davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

On XX/XX/XXXX I submitted a soft pull prequalification inquiry through several lenders, one of those being OneMain. When submitting the prequalification at OneMain.com, there was a disclaimer that stated " THIS WILL NOT HURT YOUR CREDIT SCORE '' next to the accept button. There was verbiage further down the screen that stated this was a soft pull as well.

After hitting the button to " GET STARTED '', I was presented with a pre-approval for {$10000.00} secured, for which I have nothing to secure the loan and do not want to entertain a secured loan anyways. I did not want to proceed. There was a button to continue that warned that a hard inquiry would be performed if I accepted. I closed the screen. I then got notification that my credit had been pulled as a hard pull. I gave no authorization to perform a hard inquiry. I am being very careful about inquiries and giving access to my full file, and I am very conscientious about only working with soft pulls until I am prequalified.

I called OneMain and asked that the inquiry be removed, giving the benefit of the doubt that this was a glitch. I was advised that it would be removed by the back office team. I was then emailed by OneMain and asked to submit a written request to remove the inquiry. I submitted that request via email, and included a screenshot of the SOFT PULL screen that was still on their website. I received a denial letter in the mail, stating that OneMain had permissible purpose. 

This behavior has already been addressed in XXXX v. XXXX XXXX, XX/XX/XXXX. It is not good business practice to advertise a soft pull, use that as a marketing tactic ( see if you qualify without hurting your credit ), perform a hard pull without authorization, and then claim to have authorization. 

Please promptly remove the inquiry from my credit file.
Consumer complaint received 2018-06-27
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NCB Management Services Inc. (NV)

A debt collection company, NCB Management Services, somehow got a hold of a relative on XX/XX/18, after I had already spoke with them on XX/XX/18. They provided my relative with information that should not have been provided to them. They told them that they were trying to contact me for a debt collection and even provided them with the amount of the collection and what it was from. This information should not be provided to anyone other than me.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

Hello, I opened a new car loan account with XXXX XXXX ( XXXX ) in XX/XX/2018. I've made two monthly payments of XXXX. I've spoken to their customer support about why I've not see this account reported on the three CRA 's. They informed me that they have reported to all three but the CRA 's still is not reporting account. Please add this account to all three agencies. I've included their customer report number for your contact.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello, I opened a new car loan account with XXXX XXXX ( XXXX ) in XX/XX/2018. I've made two monthly payments of XXXX. I've spoken to their customer support about why I've not see this account reported on the three CRA 's. They informed me that they have reported to all three but the CRA 's still is not reporting account. Please add this account to all three agencies. I've included their customer report number for your contact.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX Secured Credit Card was paid to XXXX   balance and closed XX/XX/XXXX. 
The card charged {$3.00} per month for paper statements. I had online statements which were free. After I paid in full and closed the card, I get a paper statement in the mail with a {$3.00} fee for paper statement. I call the card service center in XX/XX/XXXX and was told it was charged in error, they are aware of the issue and it will be resolved soon. I was told I did not need to pay the fee and my next statement would show XXXX balance. The next month I got another paper statement and was charged another {$3.00} paper statement fee. I call again in XX/XX/XXXX. Same story, It's an error, we will fix it ... blah blah. But they did have not fix it. I called a third time in XX/XX/XXXX. The call representative said she saw the call records and said she would escalate this issue. I told her I am now being reported as 30-59 days late on my credit report due to these erroneous charges. This error has affected my credit rating and is being improperly reported. All three credit bureaus now report that I have a unpaid balance now of {$24.00} and am 30-59 days late. Capital bank continues to tell me that it is their error, and they will fix it, but now its still not fixed and has adversely affected my credit rating. I have never been late on this card, paid it in full to XXXX balance last XX/XX/XXXX, closed the card and even got my security deposit back.They have promised to fix this Monthly {$3.00} statement charge error but they have not and now my credit has been adversely affected.
Consumer complaint received 2018-05-27
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: Fidelity National Information Services, Inc. (FNIS) (FL)

My Consumer ID number is XXXX. I recently received a consumer report of my ChexSystems file and discovered that there is an address on there that is not relating to me and never related to me and ChexSystems is refusing to help assist in the removal of this address. The address that needs to be removed is XXXX. XXXX XXXX XXXX XXXX XXXX. FL XXXX. I have mailed off my identifications to ChexSystems with supporting documents that back this address does not belong to me. I don't know which method of verification that they were using or where they got this address from but it needs to be removed. 

XXXX XXXX SSN # XXXX
Consumer complaint received 2018-05-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Hello. My name is XXXX XXXX. I filed a dispute on an account, XXXX XXXX XXXX who bought the debt from XXXX XXXX XXXX, that I paid off on my credit report for an account that is at a XXXX balance on my report on XX/XX/XXXX. On XX/XX/XXXX the account was removed and immediately reapplied to my account under derogatory remarks which dropped my score 31 points. Then on XX/XX/XXXX the account was once again removed then reapplied to my account dropping my score down another 79 points. Now the account sits in me derogatory accounts keeping my score low with a {$0.00} balance. I have called them multiple times to ask why the account has been removed and reapplied lowering my score more and more each time but they fail to give me an answer each time. I ask why it wasnt just left alone until the dispute was finished and again they fail to answer my questions and to fix the problem. They finished the dispute XX/XX/XXXX and I tried calling again after the dispute was finished to ask why it kept being removed and reapplied, or why it is still in my derogatory section and they still could not give me an answer nor were they willing to look into it and fix it. I have been trying really hard to fix my credit score but equifax has done this on multiple occasions where they remove an account and reapply it to lower my score.
Consumer complaint received 2018-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (TN)

We purchase the XX/XX/XXXX XXXX XXXX last year in XX/XX/XXXX. The vehicle did not have the warranty so we brought a extended warranty. There have been several recalls on this vehicle. I ask them can we trade the vehicle and get something else which can even out the difference. They told me that I could purchase another vehicle and they said I would get another car so they appraise it and they assure me that I would not have put anything down. Then the next day they told me that I had to come up with some money, but you told me that I did not since you had all of these rebates. I feel this is bad business practice and that they knew this XXXX XXXX had no warranty but yet it was out on the parking lot for sale. We only had this vehicle for a year and put XXXX down as they down payment and it still has had 2 recalls within the past year. Also I want to add this we purchase the vehicle at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX ten XXXX phone number is XXXX. The website is XXXX. This company is not providing the needs of the customer if the product is defective. I will have to wait several days in order for them to find out what is wrong with my vehicle but what is the vehicle breaks down ... I have to call them to find out if they have availability, yet the vehicle runs like a piece of XXXX.
Consumer complaint received 2018-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received a mailer from Bank of America with a promotion for a checking account with a {$300.00} signup bonus. The bonus would be awarded if certain requirements were met. I signed up for the account in XX/XX/XXXX and had completed all of the requirements by XX/XX/XXXX. I called Bank of America shortly after completing the requirements to confirm that the requirements had been met. The representative told me that I had met all the requirements and that I did not need to do anything else but wait for the bonus to post. The amount of time listed in the mailer seemed to indicate it would only take 90 days for the bonus to post but the representative told me it would take 90 days plus an additional 60 days. I waited until XX/XX/XXXX and then contacted the bank again. At that point they told me the promotion was denied as I had not met all the requirements. At that time, too much time had past for me to meet any additional requirements for the bonus and so I was locked out of being able to do anything further. Had the first representative told me I had not yet met the requirements, I could have performed tasks to meet them. I was given false information that prohibited me from obtaining the bonus. On XX/XX/XXXX, I contacted the bank and asked them to review the account, but they said there is no one I can speak to directly about this issue and I simply must wait another 30 days while the issue is being reviewed, all while I keep {$1500.00} minimum in the account to avoid any minimum balance fees on the checking account. I contacted the bank again on XX/XX/XXXX but they would not let me speak to someone on the promotions team directly and said the account is still being reviewed.They told me to keep waiting, but also told me that if my review was denied I would not be notified. The only way to determine if any decision was reached would be to call a phone representative who could check on the status. I believe that the bank is dragging the issue out on purpose in order to force me to keep my money in the checking account.
Consumer complaint received 2018-05-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (OH)

I got this payday loan from Advance America to pay off the payday loan from XXXX. However, the more I paid off the first loan I had to pay my everyday bills then pay Advance America and got caught up in the cycle. Other daily unexpected events just has prevented me from repaying them.
Consumer complaint received 2018-05-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation (WA)

My concern is that I was scammed and taken advantage of during the process of this mortgage loan, my concern is that XXXX XXXX the real estate agent friend XXXX XXXX the loan originator at Academy Mortgage. My concern is that XXXX was dealing with unethical people to get this home that was very toxic to me and my family and the home has/had severe black mold in the home. The FHA loan should not have been funded because the house had severe safety and health issues that the financial lender should have complete a full home inspection to make sure that the home met the safety and health concerns of an FHA loan. The assessment of the home was not properly evaluated and overly assessed at XXXX. The family and I had to move out because of the severity of the health and safety issues this home caused. The home inspection was not completed by XXXX or her financial institution.
Consumer complaint received 2018-05-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

FINAL NOTICE PRIOR TO FILING SUIT ON XX/XX/XXXX I have disputed this account with XXXX, XXXX, XXXX, and experian has been dispute several times in the last 120 days with no validation provided to me that this is my account, XXXX wont respond but with an itemized statement. 

The FCT opinion letter does not consider itemized statement to be validation, neither does the courts, it also does not consider 3 party systems as validation neither does the courts its hear say, the only documents considered as validation is a contract or agreement tha has the creditors name, the amount agreed upon and my signature. 

i have all these company 's to provide this document after there investigation if they declare its validated, then XXXX, XXXX and Experian are require by law to provide directly to me the information use to validate account, that includes the person they talk to address, phone number and document provided to them as proof in which neither of these has been done, i believe at this time they are reporting in bad faith and profiting on un-validate account at this time if its not resolve by time i file in court i will not withdraw my suit and the courts will render there decision i will aslo file for {$2500.00} against each credit report company. 
they have till XX/XX/XXXX to validate and provided me with documents for they have had plenty of time to have this proof on hand.
Consumer complaint received 2018-05-29
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. (PA)

On XX/XX/2018, I settled my debt with XXXX XXXX through its collection agent, XXXX XXXX XXXX. I have been trying to get TransUnion to fix that information since then. I have disputed the information more than once and provided them with WRITTEN PROOF of the settlement. Despite this, they keep saying that the information is being verified as accurate. I have a separate complaint filed against the original creditor and the collection agency regarding that. But how can TransUnion ignore my WRITTEN PROOF? What is the point of disputing inaccurate information if the reporting agency ignores written proof? I feel like this is a willful FCRA violation.
Consumer complaint received 2018-05-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

We have been working with OCWEN Mortgage for over a year, for a Short Sale. We have been denied modification several times. Every time we are near an approval, from OCWEN, we are put on hold. Now, at the ninth hour we find out after my conference call with my new relationship Manager whom I asked specifically if we are on the Scheduled Foreclosure list on Thursday XX/XX/XXXX when our Purchaser was anxious awaiting an approval that we were not on the list, but placed on the list the very next day and then put me off until the XX/XX/XXXX when they scheduled an appointment the following day XX/XX/XXXX. OCWEN has done nothing but delay, distort and confuse me, XXXX XXXX XXXX, during the entire process. OCWEN has always acted in Bad Faith. I believe OCWEN intentionally acted in bad faith and intentional negligence to prevent me from receiving moving expenses from my family home for over 50 years. I also believe that they sent out another false inspection friend of OCWEN on Wednesday, XX/XX/XXXX when I was scheduled for sugary and made myself available to show the property to the inspector who was a friend of OCWEN and Purchases Distressed Properties and intended to Buy this Property directly from OCWEN. Given all the above we pray that OCWEN approve the existing contract for over a year, pay my moving expenses as per contract by acting in good faith for Once. 

Please help me. 

Thanks, XXXX XXXX
Consumer complaint received 2018-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

In XX/XX/XXXX I was behind on my mortgage. I paid the almost {$1500.00} to catch up my notes. In XX/XX/XXXX Carrington Mortgage stated that I was {$2700.00} behind in payments AGAIN. I did not agree with their records but I had to get my mortgage paid. I paid the {$2700.00}. I was told by a Carrington employee that the {$2700.00} would completely catch me up and my next payment would be due the end of XX/XX/XXXX. When I received my XX/XX/XXXX statement it said I was AGAIN a month behind!! I have paid my mortgage every single month since catching it up in XX/XX/XXXX. They add late fees every month from the payment they said I was behind on from XX/XX/XXXX! I paid my mortgage on XX/XX/XXXX.  On XX/XX/XXXX I received papers left on the floor of my carport. I almost didnt see them! They are now saying I owe, AGAIN, {$2000.00}! I looked online at my statement and I had no idea that my XX/XX/XXXX payment was Rejected due to Payment Account Not Found. I Had no idea this happened or how it happened as I use the Same payment method every month. I did not receive a phone call or anything from them. Now they are charging me more and more late fees. Yet, their records still say my last payment was made on XX/XX/XXXX. Please help!
Consumer complaint received 2018-05-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have dispute XXXX XXXX and XXXX XXXX several times, and i get back validated, sometimes i dont even get that, i have sent disputes directly to the creditors and have not got any response from them either, i filed a complaint against XXXX XXXX thru XXXX to get validation for this account and they responded that Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. 
so my credit report has inaccurate and missing information to be able to validate information, So transunion is now NOTIFIED TO PROVIDED TO ME HOW THEY VALIDATE " XXXX XXXX " AND PROVIDE ME WITH WHO THEY SPOKE WITH AND THERE ADDRESS AND THE CONTACT THAT WAS PROVIDED TO THEM WITH MY SIGNATURE, TRANSUNION MY UP LOAD THIS INFORMATION ON CFPB SITE IN THERE RESPONSE ALSO UP LOAD THE CONTRACT THAT WAS PROVIDED BY XXXX XXXX, YOU HAVE CLAIMED THIS WAS VALIDATED THEREFOR YOU SHOULD HAVE THIS INFORMATION. 
AT this time i believe Transunion is reporting in bad faith and profit do hold my credit score down by not remove un-validated tradelines that they recieve money from. 
if this does not correct the problem then in left no choice but to file in XXXX XXXX court on XX/XX/XXXX and get an order to provide plus montery recovery from the courts
Consumer complaint received 2018-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MST Financial Services, L.L.C. (MT)

XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-05-27
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX we received a letter stating that our XX/XX/XXXX payment had not arrived. Upon checking with our bank, we learned that our payment HAD been sent as scheduled. When we contacted Bank of American on XX/XX/XXXX, we learned that our payment amount had increased on XX/XX/XXXX due to an updated escrow analysis. We were told that we should have received a letter in XX/XX/XXXX letting us know but we did not receive this letter. We had not received any communication from Bank of America via phone, email or mail that our payment amount had increased. 

Although our regular payment amount had been received by Bank of America for XX/XX/XXXX, Bank of America did not post this payment to our account. 

Upon learning of this payment discrepancy on XX/XX/XXXX, I immediately requested a copy of the escrow analysis and paid the difference in my original payment amount and new payment amount in good faith pending my review of the escrow analysis. Despite this posting error on Bank of America 's part, Bank of America reported my account as past due in XX/XX/XXXX and XX/XX/XXXX. I have disputed this reporting with XXXX, XXXX, and XXXX, but Bank of America continues to state that this was reported accurately. Additionally, I contacted Bank of American on XX/XX/XXXX to request that they update their reporting to the credit agencies but they have refused to do so. 

Attached is the payment history from XXXX XXXX XXXX XXXX indicating that my payments were sent on time as usual as well as the account history from Bank of America showing that they received my payment on time but failed to post the payment to my account. My Bank of America account activity also shows that the amount submitted for XX/XX/XXXX and XX/XX/XXXX were consistent with the preceding months.