davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

I had my annual Escrow analysis with Mr. Cooper and was notified I would have a shortage in my escrow. I paid the amount of the escrow shortage and added another {$1000.00} to my escrow account. I was informed I could either pay the amount of the shortage or have my payment go up. I elected to pay the amount of the shortage. The funds I gave them for my escrow where never applied and they increased my payment starting in XXXX and notified me they would again be increasing it in XXXX due to a shortage in my escrow. How can I have a shortage when I not only paid them what they said they needed but extra also? I was also told when I called them regarding this that if I paid more into my escrow I would have my monthly payment decrease. 
I tried to speak with them about it and they just kept telling me my taxes went up. I get taxes go up and there might be a shortage but I paid that then I was told there was another analysis done on the account and because there was a surplus in the amount over {$25.00} they needed to refund my money by law. They just keep running me in circles. They refunded me $ XXXX of the {$12000.00} I sent them for the shortage. I have no idea what they did with the portion they kept and if they where going to refund me money why in the world didn't they keep the amount of my shortage. This just does not make any sense. 
Also they increased the amount they took out of my checking account for the payment without my authorization. I don't understand how they can take funds from my account like that. 
Thank you for your time
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act 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 and account without my written instructions.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I found out that Midland Credit Management added a collection account on my credit reports. I reach out to them letting them know this account was opened fraudulently & it doesnt belong to me. The representative advise I can settle with and they will than remove it from my credit report. I advise them that it was not my debt and they never sent me the proof in writing as I requested. I contacted XXXX, XXXX XXXX XXXX advising them that this account was fraudulent. They removed the account only for it to updated as verified. I reach out to the credit bureau and advise to them I never received any of the information on my request from Midland Credit Management for proof verifying this accords opened by me. Im filing this report because I dont know what to do in order to have this collection account removed from my credit profiles that is impacting my credit.
Consumer complaint received 2019-03-21
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. (MI)

On XX/XX/XXXX, I initially disputed a bankruptcy discharge which was reporting on my Transunion and XXXX credit reports. As a result both credit reporting agencies falsely claimed that they verified the account with the US Bankruptcy Court XXXX Michigan. On XX/XX/XXXX, I re-disputed the Bankruptcy account again with Tranunion and XXXX. As a result both credit reporting agencies falsely claimed that they verified the account a second time. At this point I decided to reach out to the Us Bankruptcy Court asking them to provide me with confirmation that their office verified the account with Transunion and XXXX. As a result the Bankruptcy Court sent me a letter in writing, which I have attached as proof to this complaint, stating that they do not report individual case filings to credit reporting agencies, nor do they update information directly to the credit bureaus. The month of XX/XX/XXXX, I sent a third dispute to both credit bureaus, with the letter from the Bankruptcy Court attached, informing them that I have proof that they falsely verified the account. I also requested for them to provide me with valid proof of how they verified, and if they failed to provide proof to immediately remove the bankruptcy account from my credit report. I understand that XXXX XXXX is the reporting agency that verifies bankruptcies and other public records. I placed a freeze on my XXXX XXXX profile as of XX/XX/XXXX, which would have made it impossible for Tranunion and XXXX to verify. The account still remains on both of my credit reports with transunion and XXXX, which has caused me mental and emotional stress, and I have not been able to obtain several financial goals due to this unverified account being on my profile. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the 317 FCRA, unverified accounts must be removed and if credit agencies are unable to provide me a copy of verifiable proof, the account must be removed. I ask that the CFPB demand this action to help me resolve this matter.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Wife and I had an auto loan that was paid in full on XX/XX/2019, lender XXXX XXXX XXXX. I have the title to the car signed off by XXXX XX/XX/2019. Equifax continues to show an outstanding balance of XXXX.This significantly lowers our credit score.We have filed disputes with Equifax four times and each time denied. The error remains on our report. I spoke to a supervisor today on the phone for over an hour and they can't fix it until their latest dispute process finishes, which might be several more weeks. ( Confirmation # XXXX ) We have spoken with our former car lender, XXXX XXXX XXXX and they again state the loan is paid in full since 2019. The other two credit bureaus have the correct information, it is only Equifax that has the error. Since we are on the east coast Equifax is most often the credit bureau used. Appreciate any assistance.
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (GA)

in accordance with the Fair Credit Reporting act 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 2024-11-06
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (VA)

I received a notice that I owed {$200.00} for an unpaid XXXX XXXX bill from Radius Global Solutions LLC. After hours of attempting to contact XXXX XXXX I finally was informed that not only was I fully up to date on paying their bills, but the account number that was on the collection notice did not match my account number. I called the number printed on the collection notice and they said I had to submit a complaint in the mail and wait 30 days while they reviewed my case. I informed them that the notice was in error, but they insisted that this would move forward and that I would have to take this up with XXXX XXXX. Of course I had already contacted them and they disavowed any knowledge of Radius Global Solutions LLC. I asked if my credit score would be affected and they said " we will have to wait and see. '' I feel like sending them {$200.00} just to make this go away since I have a small business that can't afford any negatives on my credit score. However, this is exactly what this scam is all about so I am reporting it to you.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CA)

I have a XXXXXXXX XXXX XXXX XXXXXXXX through Comenity Bank. For several days I have tried to access my account online and their site is down. The banner on the top of the page says they are sorry for the inconvenience and that this is a planned system update. Further, you can not in any way reach them by phone. When you call the customer service number, you are ultimately disconnected. I have looked online and hundreds, if not thousands, of Comenity customers are going through this same thing. You can not access your account online, they do not answer their phones and you can not make a payment. If you try to use your card, all charges are declined. A system update that takes over a week?? Completely unacceptable, and I fully believe there is something else going on here that is not being disclosed. Whether that is a buyout or they have been hacked, who knows.
Consumer complaint received 2022-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (MI)

Received collection notice for false admission to XXXX XXXX charged {$16000.00} with a balance owe of {$190.00}. I contacted XXXX and they had no amount that price submitted for XXXX XXXXXXXX which I had in XXXXXXXX XXXX I then contacted United Collection Bureau, XXXX XXXX XXXX. XXXX OH XXXX and ask why I wasn't sent a previous bill stating I owe money and told them, I never was admitted to this hospital in my life. The XXXX XXXX I had done was less than {$5000.00}
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act 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 2022-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2021-11-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I, XXXX XXXX XXXX , am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) //// CAPITAL ONE willfully violating the FCRA. Without my direct written consent CAPITAL ONE have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the reporting of that account on my behalf./// CAPITAL ONE based on false and misleading representation with undisclosed material facts about the original creditor, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// I'm demanding that capital one provide the name and address of the original creditor pursuant to 12 CFR 1006.38 ( c ). 
Im being denied credit CAPITAL ONE is harming my reputation, by reporting negative items on my consumer credit report with allege late payments, which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) CAPITAL ONE need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by CAPITAL ONE./// Pursuant to 15 USC 1681b ( a ) ( 2 ) CAPITAL ONE may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// CAPITAL ONE NEED TO REMOVE AND DELETE THESE NEGATIVE REPORT IMMEDIATELY from my consumer credit report
Consumer complaint received 2021-12-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (CA)

Dates and Etc are all most rough estimates. I will include the exact dates when I have them. Estimated dates will include a ~ to be exact. 

XXXX : Placed a loan application with Upgrade. 
XX/XX/2021 : I received an email asking me to update my loan application with two most recent paystubs and consecutive paystubs. I was also asked to appoint my payoffs on the loan through this. 
XXXX : I uploaded documents above that were requested. I appointed my payoffs and tried to indicate that I wanted a current Upgrade loan to be paid off but their system does not allow you to choose to get this paid off. They make you manually pay it off after the loan is dispersed which is quite alarming when they allow this for all external lenders. 
XX/XX/2021 : I called Upgrade ~5 times this particular day at XXXX - XXXX - XXXX. I received 3 to 4 different answers. I was told I needed to now upload bank statements to verify my income. I was told that my application was being received. I was told that I hadn't uploaded documents. I was told we needed to call my bank. So many different things no one was consistent. 
XXXX : I gave up and decided to be nice to myself and show myself some love. 
XX/XX/2021 : I uploaded more documentation which was 1 bank statement which is what I found out I needed. Mind you I had to call and find all this stuff out on my own this lender did nothing to even alert me a bank statement was needed. 
XX/XX/2021 : On this call I was told because my XX/XX/2021 paystub didn't reflect on the bank statement they couldn't accept my bank statements. Yet there were two payroll deposits on the bank statement from XXXX XXXX, their underwriting model is a checkbox and they are not allowed to think out of the box. I felt as though I was being accused of committing fraud. 
XX/XX/2021 : I was told that all the documentation was received and that the manager said the file would be looked at again today because I provided yet more documentation. 
XX/XX/2021 : I received an email that I needed to call within 3 days to answer a couple of questions. So I called. 
XX/XX/2021 : I called Upgrade and once again given the run around. Now all of a sudden their asking for a W2, I informed them of this CFPB complaint being filed. I was sent to verifications where they said I needed to provide a W2. Then the manager gets on the phone and gets rid of the W2 requirement but fails short when she doesn't know how to overcome the additional bank statement and implies indirectly that I am committing fraud I feel. 

Overall this experience from XX/XX/2021 to today has been horrible. I want to refinance out of a loan which as a customer of theirs shows that Upgrade has XXXX XXXX and no customer loyalty. This isn't the second loan I am taking out from them and will never use them again. This bank got an investment of $ XXXX and they do not allow their underwriters to use common sense. As a credit risk and lending professional for the past 20 years this is horrible.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MO)

There are 2 hard inquires on my credit report which i never authorized. I authorized XXXX XXXX XXXX XXXX XXXX MO to do a hard inquiry for a car loan. They did. Then they sent my information to 3 other credit agencies, SANTANDER CONSUMER USA, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. XXXX XXXX approved me, but the issue is I did not authorize them or the other two companies to preform a hard inquiry. Only XXXX XXXX. I found this on my credit report ( XXXX and XXXX ) The 3 offending credit inquiries only show on XXXX.
Consumer complaint received 2019-10-23
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. (NC)

I have tried numerous times to get the credit bureaus to remove fraudulent names and addresses on my credit report, after sending letters and disputing these fraudulent personal information reported on my credit file, XXXX, Equifax, and XXXX still hasn't removed under the fair credit reporting act. The only name that should be reported and showing on my credit reports is as follows : XXXX XXXX XXXX XXXX. The only address that should be reporting on my credit files should be as follows : XXXX XXXX XXXX. XXXX, NC XXXX. All other names and addresses are fraudulent and must be removed, the following are the fraudulent names and addresses as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX
Consumer complaint received 2022-02-11
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 — Was not notified of investigation status or results
Company: The CBE Group, Inc. (NY)

Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the credit and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX there were XXXX XXXX transfers from my Bank of America checking account to a " XXXX, XXXX '' totaling {$3500.00}. I have only used XXXX XXXX other time EVER to send a small amount of money to my granddaughter in XX/XX/XXXX and never requested nor approved these other transfers. Bank of America is saying these are legitimate but I don't see how that is possible.