davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (FL)

Is theft I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. it is the result of identity theft. 

Wells Fargo card service account # XXXX please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (OH)

I purchased a vehicle from a dealership and asked the dealership if they participated in truth in lending. the dealership salesman didnt answer. At the end of the day I had to trade and make a cash deposit on the vehicle. when taken to the loan office to finalize the paperwork for the vehicle the purchase wasnt thoroughly explained to me regarding the credit terms nor any other options except what was presented to drive the vehicle. lots of lenders mailed paperwork to my home, and i do not understand why. After review of my contract i noticed the vehicle 's purchase price which was an as is ballooned from XXXX to XXXX and the harrassing phone calls began not clearly understanding my rights as a consumer, and the agreement with the lender that the dealership had contracted me to.
Consumer complaint received 2020-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JP RECOVERY SERVICES, INC. (OH)

JP RECOVERY SERVICES XXXX needs to delete this account from my credit report and stop all contact with me. I demand to see the contract and PROOF OF CLAIM OR TRANSFER TITLE OF OWNERSHIP OF THIS DEBT BE PROVIDED. PLEASE STOP ALL CONTACT WE ME BY PHONE. PLEASE FILL OUT THE ATTACHED CREDITOR DISCLOSURE STATEMENT. 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt.I will prefer that we both avoid the pursuit of my rights, under 15 USC Section 1681n and 1681o ; which requires your compliance with the law. Please follow up with a response of accurate information within 15 days. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

XXXX XXXX XXXX has been calling and harassing me about an HSBC debt for XXXX XXXX from 2017. Which I am pretty certain I already paid years ago. I have been getting constant calls and now they have been calling my family members! I asked them to stop and they ignored my request. I dont know if this is even a legitimate company. As I said this is from 2017. I havent heard from anyone about this until now. 7 years later Im getting calls?! 7 years is a long time to not hear about a supposed debt I owe which I think I already paid. Its been quite a long time. It says in the fine print : Collectors may not tell another person other than your attorney or spouse. You have already called my parents multiple times after I specifically asked you not to. And you called my Aunt today. I am reporting this to the FTC. 



Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may not contact another person to confirm your location or enforce a judgment.

I am getting calls 10 times a day. My parents and my aunt are now getting frequent calls! I told them to stop and they are violating the rules clearly stated. 

Original Account Number : XXXX Original Creditor : Hsbc Current Creditor : XXXX XXXX XXXX XXXX ID Number : XXXX Current Balance : {$680.00}
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX is refusing to allow my FHA mortgage that is in forbearance not to have the FHA partial claim for the months of Covid-19 hardship I spoke with FHA and this is a benefit of this mortgage type. Additionally, under the Cares Act the mortgage companys were not to report negatively and XXXX XXXX has destroyed my credit with negative reporting every month during the national pandemic
Consumer complaint received 2024-03-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ADP Inc. (NC)

I am unable to reach a person at XXXX to request them to void two checks they have issues and reissue them. The checks were lost by USPS and they have been noted as lost. My issue is I can not get a hold of anyone at the company as there is no means to speak to someone about this issue. There is no transparency in how to go about solving this issue and the method to speak to real person regarding my issue has been obfuscated completely to the point that I am now filing a complaint.
Consumer complaint received 2024-03-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I saw a collections account posted to my credit report. I called the 3rd party debt collector for information. They shared a police report was required. I have not had much success at all with the property management group assisting in resolving the issues. 

The amount and account is as follows : XXXX-Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Original Balance : {$9600.00} Current Principal : {$9600.00} Interest Due : {$100.00} Total Due : {$9700.00} ORIGINAL CREDITOR : XXXX XXXX - XXXX XXXX  PLACED FOR COLLECTIONS ON : XX/XX/23 The person on the ID is absolutely not me, nor have I or will I ever live at the listed address. I have been in my current residence for 3 + years and prior to that, I lived in a condo I owned.
Consumer complaint received 2020-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation (AZ)

I have been getting calls for a XXXX XXXX for the last 4 years. This is not me and I have no idea who this person is. The last company is Premiere Credit XXXX. The last call was on XX/XX/2020.
Consumer complaint received 2017-01-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Designed Receivable Solutions, Inc. (CA)

I recently checked my credit report and discovered that DESIGNED RECEIVABLE SOLUTIONS had entered a negative trade mark on my credit profile. I have never received or heard from these people. I am requesting that they immediately remove this from my credit profile and send me validation of this account.
Consumer complaint received 2024-03-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Against National Credit Audit Co. for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against National Credit Audit Co. for multiple violations of consumer protection laws as outlined below : 1. National Credit Audit Co. has placed a collection on my consumer report without providing validation information, contravening 12 CFR 1006.34 ( b ) ( 5 ).

2. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

3. The collection agency has engaged in false, misleading, misrepresentation, and deceptive practices, infringing on my consumer rights.

4. National Credit Audit Co. has furnished accounts to consumer reporting agencies without providing mandatory disclosures as required by law, thereby violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I hereby dispute any debts and revoke all rights of National Credit Audit Co. to communicate with me through email, text, or calls. Additionally, I request debt validation, the purchase agreement between the debt collector and the original creditor, and proof of their licensing and bonding.

I urge the Consumer Financial Protection Bureau to investigate these violations and take appropriate action to ensure that National Credit Audit Co. complies with consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

I'm getting mixed messages about my insurance. I got a letter saying my flood insurance needed updating because PennyMac didn't have the new info, even though my dashboard says it's active. I sent the updates, but got an email saying it couldn't be processed. 

When I called, they said I need more flood insurance, but my dashboard says it's enough. The rep may have misunderstood, and they don't have time to check. I emailed PennyMac, and they said my insurance is fine, but then I got two letters on the same day - one saying we won't get lender placed coverage and another saying we will.. 

One PennyMac rep that I spoke with took the amount of coverage for our entire complex and simply divided it by the number of units. Since our building has more units, because there are more units in this building, there is more coverage for our particular building which is shown on the recent documentation that I uploaded. I sent this information in through the PennyMac website and I also sent a message requesting further information. They did not provide the information nor do any research, but simply instructed me to call the XXXX number which I have already done several times each time speaking to someone different who tells me something different. They quickly just look at the screen so they can quickly get me off of the phone. I just need someone to take the time to research this correctly.
Consumer complaint received 2015-06-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XX/XX/XXXX, I secured a mortgage with Bank of America ( FHA Home Loan ) as a first-time homebuyer. At the time I was offered free " debt protection '' for 1 year ; in the event I could not make a monthly payment on time, debt protection may apply. It was not clearly explained to me what this did and did not cover, but I was advised to accept it due to its free nature. In XX/XX/XXXX/XX/XX/XXXX, I realized that I had been enrolled beyond the 1-year mark and was being charged a monthly fee via my escrow account. No communication had been made to me that I was auto-enrolled beyond the free " trial '' period. I had been billed for an extended period without my knowledge. Further, I also encountered difficulty paying my monthly installment around the same period ( I was a full-time student prohibited from working and thus relying on savings and grants ). Realizing that I had " coverage '' without having known, I called customer service to request the debt protection and allow me some time to pay the installments without penalty. I was advised that debt protection did not apply to this scenario, only a select few ( that were likely not to happen ). 

As a consumer, the debt protection offering was presented in a way that favored BofA, and not me. My savings, credit, employment history were scrutinized very closely and thus it was fairly clear I was not going to need protection during the free 1-year period. Further, it is very unlikely a consumer will remember they opted for a free service, gone unused, after a full year. 

The result is that BofA made over {$1000.00} off me, without providing any benefit and knowing the likelihood of having it 's services used under its narrow parameters was marginal.
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Aspen Yo LLC (GA)

This follows the comolaint filed to the CFPB last week on XX/XX/XXXX through US Senator XXXX XXXX 's office. We ask for a postponement of the Foreclosure until this matter is investigated fully by the CFPB. FORECLOSURE SALE DATE XX/XX/XXXX. TIME IS NOT ON OUR SIDE. As stated in the complaint filed last week ; no modification has been offered by Gregory Funding LLC. Please intervene with our servicer to stop this foreclosure for Tuesday XX/XX/XXXX and give us the time needed to secure the funds or a fair offer of a Loan Modification. WE ARE DOWN TO HOURS NOW. The company 's attorneys informed me of their intent to move forward tomorrow I tried to reach the team at Gregory Funding and can not get through to Customer Service or the Loss Mitigation Department or the Foreclsure Department today. The line disconnected when it would not accept ky prompts. 

Thank you for your assistance in this matter. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX URGENT FORECLOSURE XX/XX/XXXX!
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Receivables Management Partners, LLC (OH)

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Requesting documents with my signature given the consent to share my personal information with third party non affiliate companies 15 USC 6802 ( b ) opt out ) ( 5 USC 552 ( a ) 16 CFR 313.7 16 CFR 433.2 -433.3
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (TX)

XX/XX/20 received collection letter from XXXX XXXX, for XXXX XXXX XXXX   XXXX. for the amount of XXXX. The debt owed was XXXX this debt was settled through Rausch Sturm on XX/XX/20 in the amount of XXXX. 
this account stills shows as open collection and has dropped my credit 30 points, as we are in the process of buying a house. 
I contacted XXXX  XXXX, they show it as open, yes they are not trying to collect the full amount, but what I had agreed to settle with rausch sturm. They told me to contact rausch sturm, which i did. They show it as paid!!! They do not know why it wasnt reported back to XXXX  XXXX, and said they would send it to the back office, so XXXX   XXXX  is trying to collect on a debt that has been settled 5 months ago, and damaging my credit in the process. I asked rausch sturm how is it that XXXX  XXXX  is trying to collect the amount we settled on and not the whole debt if you have had no contact with them?? This is showing up on the 3 major credit reports as and open collection and has dropped my credit score!! It is illegal to try and collect on a debt that has been settled, and settled 5 months ago!!!
Consumer complaint received 2024-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MIDFIRST BANK (NC)

around a year ago I saw on XXXX that they had a mortgage that wasn't mine on my report.I have NO mortgage at this time. The mortgage happens to be my son and his wife. the names are different by the middle name. the address is next door to mine so house number is only difference. The SS numbers are different, the spouse name is different and birthdate is different. I filed complaint they refuse to remove it and put on correct persons report.
Consumer complaint received 2020-10-14
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. (NY)

I sent 4 rounds of letters to the credit bureaus, but they are not doing what they should do. I have a inquiries I didn't authorized and errors on my credit report.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

Myself XXXX XXXX XXXX and My wife XXXX XXXX XXXX, resident of XXXX XXXX, XXXX XXXX, XXXX, PA XXXX are Senior Citizens and own investment properties and dealing with Mr. Cooper a mortgage servicing company has been a disaster and one of our loan numbers XXXX is being reported wrong to the credit companies and we have been sending letters and proofs that our payments are made on time and we have Home Owners insurances. We have all the proofs but the people at Mr. Cooper either are too XXXX  or untrained that they don't understand anything about Mortgage. We are getting all the lates on our credit report and they don't care. We need someone to look in to their practices of business. We need this fixed ASAP. We need to refinance our properties and all these lates off our credit so we can get better interest rates. We also need Credit Companies to do their job and investigate before they put these lates and XXXX us folks.
Consumer complaint received 2024-03-02
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: CITIBANK, N.A. (NY)

Dear MACYS/CBNA XX/XX/2024 Per the FCRA as a federally protected consumer and for The code for " Paid as Agreed '' on the CFPB ( Consumer Financial Protection Bureau ) is AP. 
This code is used to indicate that the consumer has made all payments as agreed upon in the loan or credit agreement, and there are no payment issues or disputes.

also 15 USC 6802, which is a section of the United States Code that relates to the Fair Credit Reporting Act. Specifically, 15 USC 6802 defines a " charge-off '' as a " certificate of indebtedness ''. meaning it should not be reported on my credit as debt
Consumer complaint received 2024-03-02
Product: Credit card — Store credit 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: CITIBANK, N.A. (CA)

Someone XXXX purchased items from Best Buy using my account sometime in XX/XX/2023 I noticed this and immediately called to cancel my card and notify best buy that this was an XXXX purchase, they knew it wasnt me who made it authorized this purchase and said they would remove it from my account and may take up to XXXX XXXX cycles for it to clear and its been XXXX of constant calling all to be told every time that its still under investigation with no resolution in sight