davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: DFC Global Corp. (FL)

I asked for a payday loan on XX/XX/XXXX, I WAS NOT INFORMED THAT THEY WOULD RUN A CREDIT CHECK, I have A HARD inquire on my credit file. 
The monet was deposited to my checking account on XX/XX/XXXXAND THE WITHDREW XXXX onXX/XX/XXXX the loan was paid in full! 

But to date, the account XXXX shows as having an outstanding loan, I have a copy of a chat, on XX/XX/XXXX an email sent onXX/XX/XXXXanother chat XXXX ... and went to the local store ... nothing but the run around .... 

I am asking that they CORRECT, their database ... I paid the loan IN FULL XX/XX/XXXX 

Thank YOU
Consumer complaint received 2017-11-04
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. (NY)

I just received the results of a dispute I had put in withXX/XX/XXXX credit reporting agency. The most recent report number is XXXX. XXXX XXXX XXXX XXXX. XX/XX/XXXX ... ..XX/XX/XXXX ..and XX/XX/XXXX do not belong on my credit report. I have uploaded proof that equifax had done there investigation and it was confirmed to remove these accounts off my credit report. However XX/XX/XXXXI feel is not doing a proper investigation because they would have received the same information to remove these account that do not belong on there off my XX/XX/XXXX credit report. Having this wrong information reporting on my experian credit report is causing me a hardship. I have been disputing these accounts for over 6 months now and XX/XX/XXXXwill not remove them. I am submitting this complaint about XX/XX/XXXXbecause they are not correcting and deleting these accounts off my credit report. I also tried to re-dispute these accounts again online and XX/XX/XXXXwill not allow me to do so. This is my right to have correct information reporting on my credit report.
Consumer complaint received 2024-09-06
Product: Credit reporting 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. (OH)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (NC)

I am writing to formally dispute and address the erroneous reporting of a debt by Apple Card/GS Bank USA on my credit report. Despite numerous attempts to resolve this matter, I, XXXX XXXX, have never owned an account with Apple Card/GS Bank USA XXXX I have provided Apple Card/GS Bank USA with ample opportunities to rectify this mistake, yet I am continually being harassed by their reporting of a debt that has not been legally verified. This baseless reporting has led to unfair damage to my credit, and I am now left with no choice but to escalate this matter. Apple Card/GS Bank USA has failed to provide any legitimate evidence. Instead, I have received frivolous documents pertaining to an alleged online application, which do not satisfy the legal requirements for verification. I have a comprehensive record of all correspondence, requests, and responses ( or lack thereof ) from Apple Card/GS Bank USA and the credit reporting agencies. Despite my repeated efforts to resolve this matter, I am being ignored, and no meaningful action has been taken by Apple Card/GS Bank USA or the credit bureaus to address this issue. This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested that Apple Card/GS Bank USA immediately provide verifiable proof of this debt, including the original consumer contract bearing my wet signature, a copy of my valid drivers license, and a full and clear explanation of how this debt was verified. But received nothing still just computerized billing statements.
Consumer complaint received 2023-02-09
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: ERC (IL)

I previously disputed these items and havent gotten a response its been over 30 days. I have an XXXXXXXX XXXX collection that I didnt approve of, I've taken every action I could think of.
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (IL)

In 2021 I applied for a forbearance due to XXXX with XXXX XXXXXXXX XXXX ( my servicer at that time ). When I was ready to resume my payments, my loan was transferred to Selene Finance. I called Selene several times. They would tell me that they didn't have my loan information yet to call back in a couple of weeks, I would call again and again, this would go on for two months before they had my loan information. Then they told me that I needed to send the application for a loan modification. I sent the application and paperwork at least three times before I was approved for trial payments. I made my trial payments on time and received the final agreement, I signed and returned but Selene lost my agreement. I faxed emailed and mailed but later they said the documents were not scanned in on time and that I would have to re-apply for a loan modification again.

I have applied for a fourth time. I think that this is very unfair. All I wanted was a couple months break and be able to resume my mortgage payments like the covid protections advertised.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I have requested multiple times to have a personal statement that I added to my Equifax credit report removed. 

I have tried numerous times via Equifax 's website and I have sent ( 2 ) certified letters to have the statement, that I added, removed. 

This has been going on for nearly two years. Please remove the personal statement. 

What I am attaching is the " proof '' from the second certified letter I sent them. The first letter was sent in XX/XX/2018.
Consumer complaint received 2018-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

Debt was paid in full through XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) in XX/XX/2018. {$540.00}. Payments were submitted by me to XXXX then directly to XXXX XXXX XXXX ( MCM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. MCM Account # XXXX. Original Account was Ultamate Rewards XXXX Bank Account XXXX. MCM refuses to remove account from credit report and report account as paid in full. Attempted several communications with MCM through XXXX to no avail. Disputed with XXXX  credit company MCM refuses to acknowledge debt paid in full despite XXXX providing proof of payments.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MI)

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Shop Your Way XXXX regarding their recent actions that I believe to be unjust and potentially unlawful. 

Approximately XXXX to 4 months ago, I received a letter from Shop Your Way XXXX stating that they were raising the interest rate on my credit card to 34 %. To my surprise, I was also informed that my account was being closed without prior notice. Confused by this decision, I contacted customer service, where I was informed that this action was based on information obtained from a credit bureau, which I did not authorize. 

I have held this XXXX for about XXXX years and have consistently maintained an excellent credit history. I did not give consent for Shop Your Way XXXX to access my personal credit history, and I believe this unauthorized inquiry is a violation of my rights as a consumer. 

Furthermore, I have attempted to contact customer service multiple times to address this issue, but the automated system fails to recognize my account number, resulting in disconnections. This has made it extremely difficult for me to resolve my concerns. 

Given my long-standing positive account history, I request that my credit card be reinstated immediately. I also urge the Consumer Financial Protection Bureau to investigate Shop Your Way Mastercards practices regarding unauthorized credit checks and account closures without proper notification. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I just received the results of a dispute I had put in with experian credit reporting agency. The most recent report number is XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX ... ..XXXX ... ..and tXXXX XXXX XXXX XXXX do not belong on my credit report. I have uploaded proof that XXXX had done there investigation and it was confirmed to remove these accounts off my credit report. However experian I feel is not doing a proper investigation because they would have received the same information to remove these account that do not belong on there off my experian credit report. Having this wrong information reporting on my experian credit report is causing me a hardship. I have been disputing these accounts for over 6 months now and experian will not remove them. I am submitting this complaint about experian because they are not correcting and deleting these accounts off my credit report. I also tried to re-dispute these accounts again online and experian will not allow me to do so. This is my right to have correct information reporting on my credit report.
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NJ)

I am NOT late on my mortgage, and always make my payments within the grace period, yet Seterus calls repeatedly to " collect a debt '', telling me my mortgage is " in jeopardy ''. I have told them in the past, that unless and until my payment is late, these calls to " collect a debt '' are harassment and I will file a complaint. Today is the XXXX of the month ( XXXX/XXXX/XXXX ). I have received two phone calls today ( interrupting a business meeting! ). The first call ( XXXX ) I could not answer and it went to voice mail ( they did not leave a message ). The second call came two hours later ( XXXX ). When I asked who it was, the representative said " this is an attempt to collect a debt '' and needs to speak to me about " my mortgage balance ''. She said my mortgage is " in jeopardy ''. I explained to her that my payment is n't late, it is n't due until the XXXX. She said " the system automatically makes calls after the XXXX of the month ''. I told her unless and until my payment is late, do not call me to " collect the balance '' or tell me that my " mortgage is in jeopardy ''. There is absolutely no reason to " collect the balance '', nor is there any justification to state and/or imply that an account is " in jeopardy '' on a mortgage that is paid timely.
Consumer complaint received 2023-02-02
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. (NC)

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. 


XXXX XXXX XXXX XXXXXXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX - {$0.00} -HAS VIOLATED MY RIGHTS UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX, personal XX/XX/XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXXXX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS EXPERIAN XXXX XXXX XXXXXX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS EXPERIAN XXXXXXXX XXXX XX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waterfall Revenue Group (DE)

I received an alert from all three credit bureaus which are XXXX, XXXX  & XXXX  stating that i owe a debt to them which is false information. I have no knowledge of this debt and tried to contact this company by sending certified letter to Waterfall Revenue Grou XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, NJ. And have not received any response from them. It's my right to protect my credit from people like this. I would like them to prove that i owe this debt and if they can't i need it to be removed from my credit immediately. I pride myself on paying my bills on time this is hurting my credit. They are also listed on my credit as ; WATERFALL REVENUE GROUP & A-1 Collection Service.
Consumer complaint received 2021-03-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax, XXXX, and XXXX hasnt responded to disputes, and it has been well over 30 days, have not corrected errors on my credit report. I have filed a complaint with CFPB, and response has nothing to do with complaint issue.
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (WA)

I previously complained and was informed the case was closed : Case XXXX with the CFPB. I was told my phone number was on the " do not call '' list BY Comenity Bank. 
At XXXX, XXXX XXXX, XXXX, I received another call for the woman noted in the previous complaint : a woman I do not know, have never known, and who has never, to my knowledge, had my phone number. I 've told the bank this on several occasions, yet they continue to call. The woman who called this morning said " no one informed us of that. '' I would appreciate your re-opening this case and insisting that this bank stop calling me. 

Thanks so much.
Consumer complaint received 2017-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC (IL)

My auto loan was originally with XXXX then Flagship Credit took over my loan ( Not my request ). During the transition there were fees added to my account in the sum of XXXX in addition to my regular loan. When I called and spoke to Flagship in regards to it they said " it was repossession fee. '' I said " How can it be a repossession fee when my car was never repossessed? '' then they said they had to look into it. then they advised me it was miscellaneous fees charge by XXXX. I then asked what they were for they again said " repossession '' I then advised again how is it possible when there is no repossession on my car? they again said that they would look into it and wait again they then advised that it had to do with an incident that occurred in XXXX. My car was stolen and the police recovered the car I was awaiting to go to court to prove that I was n't the driver and I had the police report. between the time frame of recovery and the admin court hearing XXXX went the holding yard and paid for my car to be released to them they were going to sell my car in auction and charge me with a repo. At the court hearing presented my police report and judge said you can go ahead an get you car no charge then advised me at that time the financing company picked up the car. On the date I did contact XXXX they said ok send us the paperwork. I did send it to them that day then confirmed that it was received ( I have the original paper work for that day ). XXXX said they would remove all fee and charges and remove the " repossession '' from the credit report cease the sell of the vehicle. I though this incident was take care of it was presented by the lender as such not " fees '' on the monthly statement. Lender advised me not to worry about it they will handle the paper work to be reimbursed. The mistake was removed from the credit report. I thought everything was fine until these " fees '' appeared when Flagship took over the account. I have sent the original paperwork twice now talk to several people and there is " nothing they can do '' or they do n't return calls when requested. They only time I hear from them is if I am late on payment, then they we throw you on dialer system and leave you 2 to 3 voicemails everyday until you pay and call you 7 to 8 times a day.
Consumer complaint received 2023-02-09
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. (NC)

XXXX XXXX has sent a medical bill to Trans Union before 6 months by the old law but definitely not following the new law passed XXXX XXXX, which states you have 365-days from when the collection agency ( XXXX ) has received the original debt ( UNC Southern ). XXXX received this debt on XXXX XXXX, the medical treatment was on XXXX. If that is my bill cause I didn't receive an itemized bill from them. XXXX turned that medical debt into all three credit companies, Trans Union, XXXX and XXXX, on XX/XX/2022 that is XXXX months after they received the original debt. TransUnion and XXXX are the only ones reporting this. I've received out but getting no where. This is really affecting me cause I'm in the process of buying a home. I just want my time that by law I'm entitled to. Thanks
Consumer complaint received 2024-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc. (NY)

The company charge me for a subscription service to their anywhere platform without my knowledge then attempted to take money for a payment that I owed them and it bounced because they took money beforehand that was not designated to them or I did not sign up for for their anywhere platform. They are going to report my bounce payment to the credit agencies after they took money that did not belong to them when there was enough money in my bank account for the regular payment. The subscription service was never something I wanted or signed up for.
Consumer complaint received 2021-05-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (IN)

A fraudulent account was opened in my name online. I contacted their fraud department and they instructed me to file a police report. I contacted the police and they told me they needed more than just a copy of the original loan agreement to prove it's fraud. I asked the company for a copy of the original application, an explanation of how they verified identity before approving the application, and a transaction history of the account created in my name. It's been several weeks and I haven't gotten the information they requested. They claimed payments were made to the account so it can't be fraudulent. I explained that the only reason payments were made were because whomever opened the account in the first place also had my actual checking account information and they setup automatic payments. That's how I discovered the existence of this account in the first place. After emailing customer service, they told me to call the main phone number for customer service and speak to a representative from the fraud department. When I called, they told me the fraud department only communicates to consumers through email. They then said they would create a ticket and reach out to me with further information. It's been several weeks and I still have not gotten anywhere.