davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grain Technology, Inc. (TX)

Trygrain.com I have had an issue paying this company. I was in constant communication with them that their digital platform wouldn't allow me to make a payment. They kept resetting my account according to them and it just wouldn't budge. I am very tech savvy so I know the issue was not with me. This company never gave me another option to make my payment such as a payment address. I am going to attach all of the emails I had with them in regards to this matter. I am very at them because they me up for failure and now it is hurting my Credit Reports and Scores when the issue was and never has been me. I am very furious as I am writing this. I have tried to get this error corrected with them and have had no success. I tried my very best to pay this account with them but now I see that they are reporting it is a negative account on my credit reports. The audacity they have to report my account like that is what really makes me furious when I have tried to pay them. If I didn't want to pay them then I would just take the negative on my Credit Reports and not be writing you the CFPB. I am very frustrated at this matter.
Consumer complaint received 2021-04-12
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: EQUIFAX, INC. (GA)

Upon checking my credit on XX/XX/XXXX, I discovered new items on my credit report. All reported the same day on Equifax. I immediately let them know it was fraud. These caused severe damage immediately for my credit score. 

Collection Agency XXXX XXXX  Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$190.00} Amount {$190.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (IL)

A checking account that was supposed to be closed, was not closed. As a result, I was charged fees for account maintenance. The monthly fee took the account into an overdraft status. The account was charged off. 

When I later went to open an account with the same bank, I was advised that I had a delinquent account. The management reversed fees. I agreed to pay half. They agreed to remove the reporting from XXXX consumer report. It also should be noted that the account was reported twice on my XXXX as well. So not only should the account not have been reported at all, but it should not have been reported twice.
Consumer complaint received 2022-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

Nelnet reported on all 3 credit bureaus that I had a student loan taken out with them. I have never applied for a student loan, I have never received a student loan, and I have never signed a contract for a student loan. This fraudulent loan was taken out. The name on the contract is NOT my name. I have called Nelnet several times, police/detectives have called Nelnet several times and Nelnet refuses to send information or provide information over the phone. Nelnet has mailed information with 3 different names, 4 different addresses, and emails/phone numbers that have never belonged to me. This fraudulent loan has caused so many issues for me, including killing my buying power. I was unable to purchase my home because of the FRAUDULENT loan. At one point all 3 credit bureaus removed this fraudulent loan from my reports and then Nelnet provided XXXX with more false information and it is back on my credit report fraudulently. They are reporting payments being made that I never made on this fraudulent loan along with other false information that Nelnet is providing to the credit bureaus without my consent, knowledge, and without factual proof. The loan is not in my name. It has caused such hardship, I have been unable to access credit in my name because of this fraudulent loan and this has been going on since 2019. Nelnet has random names and addresses that they mail information to that is not my name and not my address.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING EQUIFAX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX # XXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to JXXXX XXXX XXXX XXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX XXXX # XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX XXXX XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX XXXX # XXXX should delete all account information they share with Equifax, XXXX, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX # XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX XXXX XXXX XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Castle and Cookie Mortgage LLC (CA)

XXXX requires use of its owned mortgage company. XXXX misleads consumers into thinking it is required to use its mortgage company. XXXX  ignored me for several weeks when I was attempting to follow up and use a different lender. Eventually, XXXX  said it is permitted to use my own lender. I asked XXXX  if they will change their policy as to other consumers and they did not respond. I conferred with State Department of Real Estate and they said it would be more appropriate to complaint herein.
Consumer complaint received 2021-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I contacted CFPB regarding Account Resolutions of XXXX XXXX XXXX, XXXX, FL XXXX as they were reporting an unvalidated alleged debt and violating HIPPA also by reporting. They were to remove the account in its ENTIRETY from my credit report because it is also a FDCPA violation. They continue to report this account in violation of HIPPA and FDCPA, but now they are reporting as PAID, which it was never PAID, and as CLOSED, but they never provided validation that the debt was ACCURATE or REAL. 

They continue to report this and it needs to be removed. They have never provided additional or verified account level documentation as requested. 

They are currently in willful noncompliance of the FDCPA and violating my rights by doing so.
Consumer complaint received 2020-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (TX)

I received a collection letter from a company called Unifin , Inc. They are a third party collection agency and say that I owe a debt to XXXX XXXX XXXX from late XXXX. 

If you look at my credit bureau you will see that I have paid all of the collections that were reporting as of XXXX of XXXX. If this was a valid debt I would have paid it. It is not. When I called unifin a few minutes ago they had dates but not where the alleged debt was incurred. 

This isn't mine.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/2021, I received my 2nd PPP loan installment. Immediately, my account was frozen. Even though it was not capital ones place to determine if I qualified for loan because I didnt get the loan through them, I still provided all requested information. However, I was informed XX/XX/XXXX that it was not sufficient to capital one and the funds would be sent back to the lender and my account would be closed. This has yet to happen. Every time I call, I am on hold for at least an hour trying to reach a person. Then, almost every time the agent disconnects the call. My monthly statements have been turned off ( not by me ) even though I still have an open account in my name. 

The lender of the loan already did their due diligence and it passed the necessary requirements to be funded. There is a 2 step verification process that I had to pass. What Capital One is doing is holding up MINORITY borrowers whom which this money was intended for. Your role is to make the funds available for use and it is a shame they are holding money from disenfranchised sole proprietors that rely on this money to keep afloat.
Consumer complaint received 2022-07-25
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. (AZ)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upgrade, Inc. (CA)

For the past three months, I have had issues with my Upgrade card falsely labeling my account as delinquent for non-payment despite the fact that I have my payments set up to be automatically deducted monthly. I have called so many times about this issue I have lost count with the most recent call being today XX/XX/2022. I am told that their system incorrectly allocates my payments and that there's nothing that can be done unless I call in every month prior to my payment being deducted to make sure someone manually allocates the payment correctly. In the meantime, if this isn't done, my account is labeled as being delinquent and all of my card transactions are declined. They also have charged me several " accrual ' fees related to this despite me never making a late payment or underpaying. They are penalizing customers because their system is flawed.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management had been sending me correspondence for a year to collect a debt. I would call the company when contacted and try to work with the company to resolve the debt. The company was disinterested in resolving the debt each time I called the company. Ultimately, the company proceeded to send a claim to court, despite my ongoing attempts to resolve the debt. I called the company on XX/XX/2021 and the debt was ultimately settled for an amount of {$950.00}. A contract was signed to resolve the matter finally, between both parties. The following Monday and next business day after the claim was settled, Midland Credit Management proceeded to report to all credit bureau agencies false information, regarding an outstanding debt to their company from me, for an amount of approximately {$1500.00}. I proceeded to call the company 's lawyers to understand why this information was reported inaccurately to all credit companies when the matter had been resolved the week before ; additionally, the debt had never been reported to credit bureau agencies, as my records will attest, until the after the claim was settled, the week of XX/XX/2021. Ultimately, I called the lawyers of the company and the company itself to receive clarification for the false representation of the claim for a debt that had been settled, but I have been redirected 3 times to various phone numbers of the company which all led me back to the company 's lawyers once again. The company 's lawyers refuse to answer my phone calls and send me directly to message and I still have obtained no clarification, as to why a claim that has been settled out of court and has been negotiated for a year, is now being reported as outstanding from this week onward, when it was resolved the week before and is thus being falsely represented to credit bureau agencies.
Consumer complaint received 2021-07-14
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: AFNI INC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-04-12
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (DE)

I was due for 2 months I paid what was owed.They canceled the payment.I called to see what The problem was, I ask 3 or 4 questions.The person on the phone was Pretending.He couldn't Answer any questions on my account.Also they sent me a break down on my accounts which I made all payments last year.but told me I didn't make certain months last year.which is not True.This company has been doing this years
Consumer complaint received 2021-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/XXXX, my mother passed away, and my wife and I are joint owners of the account. When we went in to close the account on XX/XX/XXXX after we received the death certificates, we found out that the account was overdrawn with a negative balance of more than {$1400.00} due to XXXX XXXX pulling her check out after it was deposited. I paid the $ XXXX to bring the account current and closed it. The XXXX, XXXX, informed me that any transactions that had already been submitted for processing would still go through that night. This was confirmed by the letter I got when I closed the account which stated " per your request, a maintenance transaction has been processed to close your account ending in XXXX. However, if any unidentified debits or credits are presented against this account during nightly processing, your account XXXX not close properly .... ''. 

When I woke on Thursday morning XX/XX/XXXX, I checked the account and it still had a XXXX balance, so I ( incorrectly ) assumed we were all good, since nothing had been presented. When I again checked the account on Friday XX/XX/XXXX, there was a negative {XXXX} balance from a debit that was allowed to be posted XXXX DAYS after closing the account. I, again, went in and spoke to XXXX, and he informed me that he was unable to close the account, and that I should instead simply stop the ACHs and debits. The problem is, this was my mother 's account and I don't really know everything that is scheduled to come out. Additionally, at least XXXX has told me that unless I can present paperwork stating that I am her XXXX XXXX XXXX they can't/wo n't allow me to modify her payment preferences. 

XXXX stated that he would refund the overdraft fees ( totaling {$100.00} at this point ), and that would bring the account to a positive balance, and he would submit a complaint and someone from the corporate office would be contacting me within XXXX business days. 

Upon checking the account this morning, XXXX XX/XX/XXXX, there has been another debit presented, and ANOTHER {$36.00} overdraft fee applied, bringing the account to negative {$75.00}, XXXX DAYS AFTER I CLOSED THIS ACCOUNT, and XXXX only credited the account XXXX of the now XXXX {$36.00} overdraft fees. Both XXXX XXXX local branch XXXX ) and the call center are telling me that they can't close the account, that I will just have to wait until no more transactions occur. This is unethical and, as far as I can tell, illegal. They are refusing to let me close my account, albeit using words other than " we're simply not going to let you close your account ''.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX my daughter deposited money into my bank account through XXXX. My husband had just passed away and we needed to pay for funeral arrangements because my daughter was away at college at the time she couldnt give me cash and the only thing that made sense was for her to deposit the money into my bank account from XXXX. The next day I went to the bank to withdraw the money so that we can pay for the funeral arrangements and the manager at the XXXX XXXX location  immediately flagged my account for fraud because of this I had to apply for a loan just to bury my husband which is outrageous. Fast forward to XX/XX/XXXX I went to the branch at XXXX XXXX XXXX and they told me I needed documentation I brought them documents as to where the money came from and they told me to wait on a letter I never received now were here in XXXX a year later and Im still getting told that I should talk to different people and none of the people are helpful. I feel as if they are discriminating against me because I and XXXX and they feel like if youre XXXX you cant have a certain amount of money. Which is down right insane because both of my daughters XXXX XXXX XXXX XXXX.