davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DigniFi (MO)

THe website for dignifi clearly states a 0 % interest deferred 6 month line of credit for work on cars at XXXX dealership. Once i applied i was told i was only getting 90 day waiver for interest, and when pressed both the CSR and Manager they said that is not offered despite showing it on the application that i followed to finance auto repair.
Consumer complaint received 2023-05-01
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. (CT)

CFPB Writeup I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX, XXXX, XXXX via USPS. It has been over 30 days. These consumer reporting agencies are in violation. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CO)

We paid these two debts through XXXX XXXX. Both have been settled and paid. I have faxed proof of these settlements to Midland and they have acknowledged that to me verbally. I was told they had received the information and were working on it. 

They keep asking for the money, then they understand my frustration, then they will check it out, then nothing until another collection call. I want this cleared up and acknowledgement from them it is corrected.
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (AZ)

XXXX XXXX AND CREDIT CONTROL CORP. 
Disputed on XX/XX/XXXX. Filled out a police report on XX/XX/XXXX. I filled out an identity theft report for XXXX XXXX. Received an email from XXXX XX/XX/XXXX stating they approved and zeroed out the collections. Would be gone by 90 days off my credit report. waited the days and contacted XXXX again on XX/XX/XXXX. Was told she was going to look into it. Never heard back. I emailed XXXX again and got a response. She sent an email of the collections saying it would be off. Emailed her back on XXXX saying that it was incorrect information on the statement she sent. Never heard back. Emailed again on XXXX stating I wanted answers. We keep going in circles. I called the collections agency and told me to contact XXXX XXXX again. I called the number provided with her email and it is a nonworking number. This is getting out of hand and I want answers!
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (LA)

On XX/XX/XXXX at XXXX I used CashApp 's mobile check deposit feature to deposit a check for {$720.00}. 
CashApp has since taken the check but has NOT made the funds available to me. 
They refuse to tell me what's going on. They refuse to make the funds available to me. They refuse to cancel the deposit so I can take my check elsewhere and the account the money came from says it was cashed. 
They do NOT respond to their Chat complaints feature, which just keeps sending me a message saying I will have my funds in 4 days. That was over a week ago. 
They can not tell me when it will be available. They refuse to cancel the deposit so I can take my money elsewhere. 
And when I call CashApp, they tell me there's nothing they can do before hanging up on me, refusing to let me speak to a supervisor or manager. 
They refuse to even acknowledge my letters and emails.
Consumer complaint received 2021-06-15
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. (IL)

Equifax is reporting a Bankruptcy with all of unverified data with providing a fraudulent method of verification. I requested how they verified it 7 months ago. They claimed to have reached out to a depository that I've opted out of by law. They have lied several times and misreported unsubstantiated data.
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

on or around the end of XXXX we went through hurricane Ian in XXXX XXXX Florida. Our home owners insurance had been dropped just before the hurricane hit and we were left trying to find new home owners insurance. The hurricane hit the day before we had secured new insurance and our home was damaged on the roof and inside damage such as floors and furniture from the open roof tore away by the hurricane. Our pool cage was totally destroyed. We had many new large bills and no insurance. So to help us get some relief we applied to US banks forbearance plan, They accepted our application and that is where the harassment started by US bank. We were told we would be able to tack the payments of forbearance to the end of our loan XXXX or XXXX times. We were sent threatening mailings telling us we were late and that our credit would be affected and we would be reported to the credit bureau. Our credit did drop XXXX points during this time.We were then told toward the end of our forbearance program that we would have to pay the entire amount back in total. If it were possible to tack the additional forbearance loan they would charge us the current interest rate which they said would be much higher. I have been paying the entire amount in monthly installments allowed by the bank and they are still sending me late payment notices. After about 10 calls and arguing my case i find they have been putting my payments in the wrong place in my accounts. All i receive from my calls is sarcasm and threats Now they tell me its illegal for them to not add my forbearance and they cant charge me interest.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

Good evening, My name is XXXX XXXX. 
In the summer, my phone was stolen along with my bag and identity. 
The thieves proceeded to make multiple unauthorized transactions on my bank account. 

At the time of the alleged transactions, I wasn't even in the country. I sent Chime all supporting documents proving my innocence. A police report. A screenshot of the ticket. A receipt that proves I BOUGHT a new phone. 

Even with all of this supporting documentation, Chime still proceeds to deny my claim. 

In fact, they never show me any proof of investigation or supporting documents. Its always the runaround. 

They purposely tell clients they are eligible for temporary credit after XXXX business days and then DENY the claim on the XXXX business day on purpose WITHOUT a proper investigation. 

My money is FDIC insured and I have proven that I didn't do these transactions. Please help me.
Consumer complaint received 2021-06-15
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. (MO)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2022-07-29
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-05-25
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: EQUIFAX, INC. (FL)

THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 
Have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2021-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (FL)

Actions taken by me : In XX/XX/2021, I became aware of this collection by NCB Management on my credit report. I had received no letters, phone calls, or any other forms of communications from NCB Management pertaining to this account. 

The alleged debt 's original creditorXXXX XXXX / XXXX XXXX has never ever been on any of my credit reports as a credit account. There was never a credit inquiry for the alleged debt. 

In XX/XX/2021, I had sent a debt validation letter to NCB Management. ( see attached letter ). 

In early XX/XX/2021, I had a letter stating that they failed to validate the debt, as they had not responded to the debt validation letter. 

In late XX/XX/2021, NCB Management responded 45 days later. NCB Management responded with what appears to be an online application, loan history, and payment history. 

The information contained fraudulent information, such as a fraudulent address in Michigan, XXXX XXXX XXXX, XXXX XXXX, MI 3which I have never used nor lived at in my entire life. 

Upon receipt of response, I called and spoke with XXXX XXXX to inform him the debt was not mine and he argued with me. 

I followed up with an Identity Theft Report, once I found other fraudulent items opened in my name. The other fraudulent issues have been resolved. 

NCB Management has been taking their time on this matter. Additionally, NCB management has mail being forwarded from their XXXX, PA address to their XXXX, PA address, which is delaying mail even further. 



See attached document : Written Correspondences to NCB Management Tracking Numbers Validating Written Correspondences to NCB Management USPS Tracking Information For Letters Sent to NCB Management This debt is not mine. I have also highlighted the issue for the CFPB to see on the attached information received from NCB Management.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

they lied, and make up false claims about being late. they hurt my credit trying to refinance. shell point screwed my credit up big time. never been late, says my bank, they lied to all the credit companys. they XXXX you up to trap you. I paid my own taxes, paid home owner insurance. also paid my flood insurance. no credit given. they keep adding fees, and ignore consumers. this company needs to be shut down. The XXXX XXXX XXXX also says there not doing buss. right. p, lease help, there are hundred s of people and families suffer from shellpoint. there a very bad company, the government needs to investigate them. i really want to sue them, for lies, and ruining my credit ... .I have all the papers to prove all this ... ..harrassing my family, calling me on sat.s and sun.s
Consumer complaint received 2021-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have reached out to Transunion via mail over a month ago and havent received a response to my letter. Today Ive contacted Transunion for a representative and today my rights were violated. I spoke with the fraud representative name XXXX at XXXX XXXX. Ive asked for these things to be removed exchange for not being reported to the CFPB if these things were removed immediately. I was consistently harassed about send in a police report. Also was told TransUnion has the right to report anything. I then asked where does it state that thats whats needed in the FDCPA? And I stated TransUnion is currently in violation and stated the following violation below * 15 usc 1681 a ( e ) * 15 usc 1602 ( i ) TransUnion has no right to report false or inaccurate information. 

Im telling you to remove the following items from my credit report.
Consumer complaint received 2021-05-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TN)

I purchased a house through the VA 's foreclosure process and have a VA backed investor mortgage. The company servicing my loan is BSI Financial Services. The loan closed in XXXX. I have not been provided with a mortgage statement now since XXXX. I first called in on XX/XX/2021 to request a mortgage statement as I need one now as I'm in the process of refinancing my primary residence and the mortgage company needs a copy. I've now called BSI 7 times. I also created an online profile and there is no mortgage statement showing. I was told the first time calling to allow 24 hours for the statement to show online. It didn't. I called a second time and was told it would be sent via email in 24 hours it didn't. I've been told it would be expedited and clearly it hasn't. The call line claims another department handles it, but won't transfer me. I've asked for a supervisor, but can't get transferred to one. This has been a horrible experience and I've been lied too numerous times and there still is no resolution.

I have paid on time every billing cycle even though no one has sent me a statement. In fact, I'm even enrolled in auto-pay. I thought it was required to provide a mortgage statement. Now, this is going to cost me the opportunity to refinance my mortgage.
Consumer complaint received 2021-04-12
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: SYNCHRONY FINANCIAL (CA)

On Sunday XX/XX/2021 at approximately XXXX XXXX, I contacted a software vendor to purchase their product. They indicated that they do business through Paypal and they have a six months same as cash offer. They sent me to the Paypal. I signed up for a Paypal account which was approved with a {$4300.00} credit limit. The software cost was {$2900.00}. I attempted to purchase the product, but the transaction was denied. I attempted to contact Paypal, but it was too late their customer service center was closed. 

On Monday XX/XX/2021, I contacted Paypal and confirmed credit limit and inquired why the transaction was denied. The young women said that they have no way of knowing why - just that the Paypal software identified some type of risk. So I contacted the software vendor and they indicated that they are in good standing and have been doing business with them for many many years. I called Paypal again and spoke to another young women and then with a supervisor and they both stated the same thing - that they don't ever know why and that there is no way to challenge or dispute the risk assessment. 
They both thought that maybe it had to do with a new account and a fairly large initial transaction amount. So I attempted to purchase {$120.00} of cat food from XXXX to test their theory, and again the transaction was denied. 
So I called again and bascially received the same pat answer - they don't know why - the software says no - and that is that. Maybe if I wait for an undetermined amount of time, I might be able to use the Paypal credit, but again no way to know for certian. 
So it appears to be misleading advertising at a minimum and a violation of the fair lending laws from my point of view. If they had just denied the credit offer to begin with and sent me a fair lending disclosure I would have had no complaint - but they didn't and the fact that there is no recourse is very frustrating.
Consumer complaint received 2023-04-28
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. (CA)

To whom it may concern : Experian XXXX XXXX  XXXX XXXX, TX XXXX I am formally challenging you to review your data on file for me! I insist that you comply with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards in order to ensure the accuracy of the information reported about me. I also request that you remove any and all false accounts from our records immediately! Only factually accurate, verified, and compliant data should be documented and included on my credit report from now on. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2021 Inquiries XXXX XXXX NA XX/XX/2021 Experian .It looks like somebody made an inquiry on my credit file that I don't know about. This shouldn't be possible unless I approved it ahead of time, which I didn't. I need this inquiry to be removed from my credit file or I need documentation that you had a permissible purpose for doing this. 
Regards, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2021-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lansing Professional Business Bureau,Inc (MI)

I was hospitalized from XX/XX/XXXX - XXXX at XXXX XXXX XXXX XXXX in XXXX Michigan. I was actually in XXXX XXXX XXXX. However, the bill for {$1200.00} was sent to me by XXXX XXXX. 

I filed a grievance with the hospital based on the unsafe care I received. I contacted the hospital billing department to let them know what I was doing. I spoke with XXXX XXXX in Accounts and she said to wait until a decision was reached regarding the grievance. 

When I received the decision, I contacted XXXX and let her know I was appealing the decision. She talked with XXXX XXXX, Patient Experience Specialist, and it was agreed that I could wait before making payment til after the appeal decision was made. 

XXXX XXXX said she would reach out to me in early XX/XX/2021. I got the decision on my appeal and waited for a bill. When the bill didn't come, quite honestly I forgot about it. I never received a call from XXXX. 

I received a bill from Lansing Professional Business Bureau on XX/XX/2021 and misplaced it. Apparently the letter was requested by XXXX XXXX on XX/XX/2021 for nonpayment. c .I found this information out from XXXX at the Lansing Profesioinal Business Bureau . 
Apparently, on XX/XX/XXXX, according to the collection company - they called me and left a message to contact them regarding this. I don't remember getting the call and normally I don't answer unknown numbers. 

On XX/XX/2021 I came across the XX/XX/2021 bill and paid it immediately. 

I would like you to investigate : XXXX. Whether XXXX complied with its obligation to contact me before sending my bill to collections? 

2. What can be done to fix my credit score? I have taken great pride in how high it is and have been proactive for many years to keep it that way. 

My credit score has always been above XXXX and is has fallen to XXXX because of this letter from collections. I would like you to investigate what XXXX XXXX did with my bill - if I had heard from them, I would have responded immediately and paid the bill. 

The bill was paid off on XX/XX/2021.