davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (TX)

My home is in foreclosure I have tried to sell the home but was unable even on a short sale. So I have decided to keep the home and rent it out. Found a renter he is in the home and has been since XX/XX/XXXX well actually XX/XX/XXXX because he had some issues with turning on the electric in his name. 
I have filled out the application for assistance to help me keep my home. I have sent in all info the application my 2 mos of paycheck stubs the rental agreement and also the receipt showing he paid the rent. 
But I am being told that Midland Mortgage is asking for two mos of bank statements. I don't receive bank statements number 1 and number 2. The person has only been in the house maybe 3weeks. How would I have two bank statements and # 3 why am I sending in the bank statement. That is my main question. I asked why and they said the receipt is not acceptable because it is handwritten and I have a month to month lease. The reason the lease is month to month is because the house is in foreclosure. I have also requested this info in writing. But I can not get that info in writing. I have sent this receipt in twice to Midland Mortgage and they have not told me in writing why my receipt is not acceptable. I had to call and say I have sent this receipt in twice what is the problem. 
To protect myself and my renter I can not by law say he can live in the house for a year knowing the house is in foreclosure..this is my first house first foreclosure. I want to do right by my renter and disclose all info. 
I just want to stop the foreclosure pay the mortgage and be forced to be a landlord.
Consumer complaint received 2021-05-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  and TransUnion are reporting 22 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent ( # of dispute sent ) dispute letters to XXXX  and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC (NC)

I received a check for {$20000.00} from my bank ( XXXX XXXX XXXX XXXX ) and sent it to the lienholder on my ( American Credit Acceptance aka ACA ) via XXXX ( tracking number XXXX ). ACA received the payment on XX/XX/XXXX @ XXXX am. It was signed for by XXXX XXXX. I sent it to the address given to me by customer service, which is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. I called to follow up several times and get the same run around. Now they want the check number, which is XXXX. They are still giving me the run around as I am on the phone with them right now and have been everyday for two weeks trying to reconcile this. 

On XX/XX/XXXX, they sent a letter saying I was in default of the loan. I received that letter the day after I made a payment because I didn't want the account to go 30 days past due. 

I do not know what to do! I have had 30+ automobiles and this is the first time I have ever experienced this. I have exceeded the 10 day payoff period quoted to me and passed to my new financial institution and am now paying more interest on the ACA loan because they are claiming they do not have the check. 

What do I do? It seems that they are just running me around. Please help.
Consumer complaint received 2023-06-30
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-03-09
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. (VA)

Here is a summary of what happened Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Education Responsibility Signer with other person Date opened XX/XX/XXXX Status Open. {$50.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$50.00} Original balance {$5500.00} Highest balance {$0.00} Terms 180 Months This account was originally opened with XXXX XXXX I have no recollection of XXXX XXXX or how to get into contact with them to put my loan back into forbearance I am a XXXX XXXX I can afford to pay but I have not received any formal information in how to proceed with payments.
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

In XXXX I paid off my balance. A couple months later ( in XXXX ) I recieved a letter in the mail stating I now how a late fee. I called and they told me I was charged for paying off the card. They waived everything and I closed my account and canceled my card. My credit report shows my account is closed but a week ago ( end of XXXX ) I recieved a letter stating I owed over XXXX dollars. They said I had been charged XXXX dollars in interest and missed XXXX payments so that is my balance. They said the best they could do was take XXXX dollars off the balance and I would pay the XXXX that remained. I told them I would not be doing that and ended the call.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (UT)

Convergent Outsourcing is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Convergent Outsourcing is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (TX)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint against BECU for Unjust CPI Charge Dear Sir/Madam, I am writing to file a complaint against BECU regarding their unfair imposition of a CPI charge on my Auto Loan XXXX. I believe that their actions are not only unjust but also highlight a lack of due diligence and responsibility towards their customers. 

Firstly, BECU failed to update my address correctly, leading to me not being informed about the additional insurance requirement. As a result, a CPI charge was added to my account. BECU denies responsibility for this oversight and has added {$10000.00} to my auto loan principal balance without proper notification. 

In a recorded conversation with BECU representative, XXXX, she admitted that BECU did not verify the required documentation before issuing my auto loan. This negligence has resulted in a 40 % increase in my monthly auto loan payments, causing significant financial strain. BECU has demonstrated an unwillingness to work with customers and address these issues. 

Even after providing proof of insurance to BECU, they have refused to refund the unwarranted CPI charge. I believe their actions are not in accordance with fair banking practices and require immediate attention from the Consumer Financial Protection Bureau. 

I request your assistance in investigating this matter and ensuring that BECU takes appropriate steps to rectify the situation, remove the unjust CPI charge, and adjust my auto loan balance accordingly. I appreciate your prompt attention to this matter and look forward to a fair resolution.
Consumer complaint received 2021-04-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I paid off my account that was on the collection and I send them the letter that was paid off and they are not updating this information and are holding me to buy a house and get more credit cards.
Consumer complaint received 2022-11-30
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 — Investigation took more than 30 days
Company: Early Warning Services, LLC (TX)

After several attempts to communication with the company. The company has failed to produce documents to validate the information that is being distributed to banking companies upon request. This agency is reporting to companies and should housed this data per law, however in any case when the information can not be validated it should be deleted from the consumer profile.
Consumer complaint received 2023-03-21
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. (PA)

In accordance with the Fair Credit Reporting act. The Listed account as fellowed has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-04-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Prosper Marketplace, Inc. (MD)

I was told to receive money for verification and I was to send it back. I sent the money to them via XXXX Then I was told that the money would be in my account next day and it never showed. I tried to cancel the loan and they told me the first time that I only have to send XXXX XXXX dollars to them and it would be clear. Once I sent the money to them. They told me that I had to send XXXX dollars. Once I refuse to send them the money, they threatened to send me to jail if I did not send the money to them and told me that I would have a negative balance of XXXX in my checking account. I thought by giving them my account information, that I would be able for them to put my loan money into my account and that was the end of the matter. Now Im in the negative XXXX dollars and I am making a complaint.
Consumer complaint received 2018-11-16
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: SYNCHRONY FINANCIAL (GA)

XXXX has been non-compliant with removing the unverified account SYNCB/CARECR XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that SYNCB/CARECR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-10-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc. (OK)

I believe that MoneyLion targeted our military family, my wife is currently XXXX XXXX XXXX XXXX and XXXX to XXXX XXXX XXXX and I am her husband and dependent. This company extracted fees from our account at the wrong times and for different amounts than agreed upon. They caused us to incur 31 separate overdraft fees at {$36.00} each time. I attempted to cancel and my efforts were ignored. They almost caused my wife and I to divorce, honestly I still feel like we may. They have made it so difficult to cancel monthly subscriptions. I literally had to open a new checking account because of this. My previous account is still open with a negative balance of {$430.00}. I cant pay it! I dont know what else to do! 

They are still attempting to take money every month for a loan that I never received a dime from. It was a {$1000.00} loan, I paid them almost {$500.00} and havent received a XXXX of the loan. I honestly feel they have violated the Consumer Financial Protection Act and the Military Lending Act which states that, XXXX XXXX servicemembers and their dependents, including by limiting the annual percentage rate applicable to credit extended to servicemembers and their dependents to 36 %. I believe our family has surpassed this percentage rate. Through charging us more than we were told through membership fees combined with loan-interest-rate charges, this amount has exceeded the XXXX XXXX Acts 36 % cap.
Consumer complaint received 2021-08-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I was laid off in XXXX and was having issues making payments exactly on the due date to my Navy Federal Credit card. After being about 15 days late, Navy Federal took money from my checking account to satisfy the credit card. That caused all my other bills to bounce and required me to pay an enormous amount in insufficient fees. Ultimately, Navy Federal froze my account. I still have a Line of Credit balance attached to the checking account. Navy Federal makes it extremely difficult to make the payment to that line of credit. If I pay online or automated by phone, it appears that the payment is set up and then a few days later the ACH is rejected. If I speak to a customer service representative, they set up the payment and it is rejected. It is certain customer service representatives that have experience with this situation that know how to get the payment to actually take. Recently, I was 25 days late and on XX/XX/XXXX ( the day I got paid ) I called and made a payment. I asked the representative if he knew how to get the payment to my Line of Credit and he assured me that he did. Today on XX/XX/XXXX, I got an auto-generated email stating that the ACH was canceled. The account is now 31 days past due and will be reported to my credit. It is not my fault that that Navy Federal representative doesn't know the process and lead me to believe that my payment went through. I had to call back 2 times today to get to someone who can understand my situation.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

Back in XXXX of XXXX I was trying to make a payment towards my best buy credit card, during the process of payment the person that was processing my payment got very XXXX with me and cancel my credit card, witch it was in good standing since 2013. I try to contact the company in many occasions to request for my credit card to be reactivated and I got no where and in XXXX of XXXX I submitted a complained to the cfpb and it looks like nothing is getting done with the account. I need to resolved this issue as soon as possible Im requesting that my account be reestablished in full and to remove any late payment and feeds added to the account. Thank you
Consumer complaint received 2020-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2024-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (FL)

Continental Finance ( Account sold to XXXX ) states on my credit report that this account has been charged off. I never received a 1099-C. Being that the they already filed my account as a charge off on their taxes, and I have never received a 1099-C, this company is committing fraud. I kindly request that the CFPB investigate Continental Finance and take appropriate action to address this matter.