davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
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. (VA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I was applying for a Mortgage Refinance with 5/3rd Bank. I gave authorization to pull a credit inquiry on XXXX XXXX XXXX and because of the banks slow process they required another Credit inquiry I authorized on XXXX XXXX XXXX. For some reason they continued to pull 2 more Unauthorized Credit checks on XXXX XXXX XXXX and again on XX/XX/XXXX. I've asked them to take steps to remove these unauthorized Credit inquires but the bank seems to be mismanaged and lacks knowledge on where to being the process of correcting their actions. I would like CFPB to assist in Removing these Hard Inquires. 

Inquiry details : 1. Fifth Third Inquiry from XX/XX/XXXX Bank Institution Information Fifth Third XXXX, OH XXXX ( XXXX ) XXXX 2. Fifth Third Inquiry from XX/XX/XXXX Bank Institution Information Fifth Third XXXX, OH XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (UT)

I went through XXXX XXXX and clicked on a loan offer from XXXX. A credit inquiry was obtained by XXXX, I received notice of an inquiry from XXXX. The issue is, an application was not opened for me and I did not get a adverse action letter either. I called XXXX for assistance and they advised me I'd have to do another application through them and have another inquiry hit my credit report. They have no record of my application or inquiry and suggested that it was completed by XXXX XXXX. Every inquiry will hurt my score and it's likely that my score would be lower after a second pull, which would result in a higher interest rate. I was told by XXXX I would need to dispute the pull by mail or fax or talk to XXXX XXXX to remedy the issue. I don't understand why XXXX would work with XXXX XXXX to bait people in but then take no responsibility if an error like this occurs. I've worked too hard on building my score to let it tumble due to their or XXXX XXXX 's negligence. Now even going through another company, my rates will not be as competitive as they were before due to this.
Consumer complaint received 2020-08-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (TX)

Per my XXXX  report it states that the loan was opened on XXXX of XXXX  ; I'm not sure how someone was able to make a copy of my driver 's license ; get a loan under my name as well as sign for a loan. I've tried calling the company in the past as well as disputing the inaccurate information on my credit report and the company done nothing to investigate it. According to the credit report the amount of the loan was {$920.00}.
Consumer complaint received 2022-03-02
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. (FL)

I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to Transunion, XXXX and XXXX back in XX/XX/2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Driver 's license and social.
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NV)

The customer service at BSI has refused to correct my account and instead continues to charge late payments. 

BSI took my payment REFUSED to apply it to a mortgage payment and instead left it in unapplied. BSI continued to charge late fee after late fee. I continued to pay more and more while the money sat in unapplied. When my complaint was filed they decided to make it a principle payment to cover the error again. I sent more money and a letter to the president of the bank to fix the problem and correct my account and bring it up to date in the beginning of XXXX. 

I DO NOT want a principle ONLY Payment I want my account brought UP TO DATE with NO LATE FEES. I have called, I have written and the bank is still stealing from my account late fees, and NOT allocating the principle only to the correct payment.
Consumer complaint received 2019-10-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NJ)

I am filing this complaint against my mortgage servicer Loan Care/ XXXX XXXX XXXX  for committing DUAL-TRACKING. Presently, Loan care has my complete loss mitigation application under review, I attached a letter dated XXXX XXXX, XXXX from Loan care confirming my loss mitigation application is complete. I just received notification that a foreclosure complaint has been filed against me with Superior court of new jersey XXXX county on XX/XX/XXXX. Per CFPB article dated XX/XX/XXXX CFPB Rules Establish Strong Protections for Homeowners Facing Foreclosure, Loan Care/ XXXX XXXX XXXX  is in direct violation by filing this mortgage complaint against me. 

Please see attached loss mitigation letter from Loan care and foreclosure complaint filed with the State of New Jersey. 

Loan care has committed DUAL-TRACKING. Presently, there is an loss mitigation application complete and under review with Loan care, no decision has been made or either an option for me to appeal the decision. Loan care has committed dual-tracking filing this complaint while loan modification/loss mitigation is pending review. I attached all documents to this complaint as proof. This is clearly a direct violation by Loan care and I want to pursue legally. 

I am filing this complaint to help stop this from happening to other people specifically dual-tracking. Please help me.
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (CA)

On or about XXXX XX/XX/2020 I moved. I transferred my internet provider account from address " A '' to address " B ''. XXXX XXXX upgraded my modem, which they mailed to me due to COVID. I mailed their old modem back using the instructions given. XXXX alleges the old modem was not received, and their attempts to contact me at my old address were unsuccessful ( unsurprisingly ) ; I had an active XXXX account at my new address during the 120 days they attempted to contact me. I received several email phone and mail correspondences with XXXX during this period ; ergo they obviously knew how to contact me. 

I received a collection action on XXXX XX/XX/2020. I attempted to rectify this situation both with the collection agency and XXXX without success. I find their business tactics deceitful, poor and overall dishonest. 

I request relief. 

Respectfully submitted.
Consumer complaint received 2021-09-30
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)

on XX/XX/XXXX I sent a dispute to your company stating that your company is reporting and has been reporting inaccurate information on my credit report. I was never notified of any investigation status starting nor do i have any results from that investigation. This is the dispute I sent : " I recently obtained a copy of my credit report from your service and have found the date of last activity is inconsistent and inaccurate across XXXX, Transunion and XXXX for the account : XXXX XXXX Account # XXXX According to 15 usc 1681s-2 of the Fair Credit Reporting Act, it is the job of the furnisher to make sure that all information reported is reporting to 100 % accuracy. How can this information be accurate if all 3 Credit reporting agencies are reporting 3 different dates of last activity for this account. Transunion is reporting a date of last activity of : XX/XX/XXXX, XXXX is reporting : XX/XX/XXXX, and XXXX  is reporting : XX/XX/XXXX. If all three bureaus are reporting different information, which bureau has the right information? This account can not be accurate which means that the furnisher has decided to disobey the FCRA and report information that they know is not accurate. This account was in fact deleted from XXXX because of its inaccurate reporting. Now Because of the explicit disobedience of the furnisher and your neglect to make sure that the information was indeed correct and verifiable, I as the consumer am demanding this account be removed and deleted because of its inaccurate reporting. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for your re-investigation of this item. '' Remove this item because you have broken federal law and have been reporting inaccurate information, in this case different date of last activity on my report than other bureaus.
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX based out of XXXX XXXX California has contacted my employer at several instances providing my personal information and stating they will be serving me with " Legal papers '' after repeatedly being asked to stop.
Consumer complaint received 2022-03-02
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. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-14
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Experian boost has been a nightmare, ive had nothing but harassment from experian boost, and recently I receive very harrasing emails claiming no payme to have been reported and they will remove accounts, this is so far from the truth, I exceptional payment history never missing a payment or late, I pay 5 or six times a month on all my accounts, last year they completely erased a valid exceptional account from my credit record I had to fight 90 days to get it put back, they have intentionally messed with my credit score taking away 19 points and giving me 17 in the same day im tired of it I have spoke to my attorney, its all documented, if it does not stop I will file a lawsuit, this is federal and taken seriously, ive enlisted one email of hundred that I have of this harassment, I have all documented, and prove of all payments 5 6 payments a month if needed.
Consumer complaint received 2023-07-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CO)

On XX/XX/2023 I made a purchase with a company called XXXX, they are a web base business that claims to be able to network unlock your phone to use on any carrier for service. I paid the XXXX the process and immediately their service came up with a message saying Error can not unlock! The company stated that the phone would have to request a code at startup and claimed mine did not have that feature and gave me 1 free unlock in the future for my use. I told them I didn't want the credit and in fact my phone did indeed request a code at startup. We never reached a resolution so I disputed the transaction with cash app. Within 5 minutes cash app denied my dispute, I requested additional documentation and they have refused to comply
Consumer complaint received 2021-09-23
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. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 I called Credit Bank OF AMERICA @ XXXX Phone : XXXX XXXX XXXX for reason STOP TRANSFER money {$150.00} into office Lawyer, in the time I called the bank Money still holding in bank OF AMERICA BUT EMPLOYMENT the Bank intention want to pay money for lawyer {$150.00} from my credit although I called the bank OF AMERICA and I gave reason lawyer cheat me But employment the Bank want transfer for lawyer, and they said with me Monday after transfer for lawyer, I called them they will get back for me, If I called back Monday, I called back I am not employment sent get back for me when lawyer cheat me, they no help my case for me, and they did not answer all my question from me They said, I should to wait 90 days, If lawyer agree refund for me, The bank OF AMERICA will refund for me, But lawyer did not want refund for me, I should to pay {$150.00} Now I petition CFPB solve for me, and to request the bank responsibility about that because their employment want to pay for lawyer, It is not from me It is seem act fraud and abused
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account Number ( xxxxxxxxxx XXXX account number not provided ), has violated my rights : 15 U.S. Code 1681Section 602 A- Violated my right to privacy. 

15 U.S. Code 1681 Section 604 A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

XXXX pulled my Experian credit report resulting in a hard inquiry on XX/XX/2022. I never filled out a credit application, or gave permission for my credit to be pulled. I have contacted Experian directly twice to dispute the inquiry and have been told the inquiry is valid and will not be removed. How can the inquiry be valid if I never filled out a credit application with any bank that used XXXX morgage to pull credit?
Consumer complaint received 2020-08-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

In XXXX, I lost my job ( and only source of income ) for the third time in eight years. I had worked as a XXXX XXXX for six years and at a XXXX  ( XXXX  ) ( XXXX  )  XXXX  for five years between XXXX of XXXX and XXXX of XXXX. I had faithfully made payments for over ten years and was denied any student loan forgiveness. In fact, they initially REFUSED to allow me to even apply for it. I tried to file for a hardship forbearance and was denied. They claimed I didn't qualify. By winter XXXX, I was unable to continue making payments and stopped paying my monthly payment. In XX/XX/XXXX, I filed for bankruptcy and included them in the notification. I contacted them again to try and reduce my payments and they again refused. I was threatened that if I failed to make my payments, they would sue me and " take everything I have ''. In XXXX, I began making payments again and caught up on the payments I had missed by XXXX or XXXX of XXXX. I continued making my regular payments until XX/XX/XXXX after the CARES Act was passed. I made the XXXX payment and the day after my account showed zero interest, no payment being due, and that it was in forbearance. In XX/XX/XXXX, I began receiving calls, emails and bills from XXXX. Both the calls and the emails were flagged as a scam by the service carrier. In late XXXX, I noticed that my account still showed no payment was due but no longer showed it was in forbearance. I called to find out what had happened and was informed that my account was in default and that they have not received payments from me since XXXX XXXX.I asked them to check again because my last payment was in XXXX and they grudgingly admitted that they had received payments. However, as a " consequence '' of filing bankruptcy, my account was listed as in default. At no point did my account reflect that it was in default. I haven't received ANY notifications by mail or on their portal about being in default OR that they had sold my account to thugs licensed as XXXX.
Consumer complaint received 2022-01-14
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. (NY)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (FL)

Approximately a month ago I received a call from Midland Credit Management Inc. I advised that I had moved an not received a validation notice. In the same call I advised that I could receive calls at work - several times I told them this. 

Today I received a call from a XXXX XXXX at XXXX XXXX. I again told him that I can not receive calls at work. He would not let me get off the phone after telling him that I had already advised them of this and that this was an FDCPA violation. He continued to become harassing. 

He also did not verify who I was. He only asked for my name and calling my work. 

He would not listen after telling him over and over I can not talk at work. He continued to attempt to collect after repeatedly telling him that he can not call me at work as it is an inconvenient place.
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

A medical bill was sent to collections while I was actively still making payments on the account. In fact, after The account was paid in total it was learned that I overplayed in which I was issued a refund for the amount over payed. Ive reached out to the company multiple times informing that I was somehow sent to collections in error and they are unable to help or provided further information.
Consumer complaint received 2021-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (NC)

On XX/XX/XXXX, I received a notice that derogatory information from Amsher Collections Services was added to my credit report and they also added a false address to my credit file on after I filed a dispute. Amsher Collection did not initially have my home address and the credit bureus verified they updated my North Carolina address and changed it to a California address I do not reside at. 2 credit bureaus immediately deleted this false collection, but XXXX  is the only bureau to say that Amsher claim the debt is valid after I filed a dispute.

I have not received copies of any contracts, bills, statements, or debt verfication or requests for payment from Amsher. They only added false collection account information to my credit report without have made any prior communications to me.