davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

On XXXX XXXX, 2017 Midwest Recovery Systems placed a opened collection on my credit report for a Debt owed to XXXX XXXX XXXX XXXX. I have not been contacted by Midwest Recovery Systems regarding the collection. To my best knowledge the company they claim I owe the debt too is no longer in business per the BBB website and was a non licensed payday loan company. I have never taken out a payday loan with this or any company. My credit report shows that owe them {$860.00}. I have tried to find contact information for XXXX XXXX and have not been able to locate it. My main concern is why did Midwest Recovery Systems place this on my credit report in the first place? From a company, that in all my research, seems to be a unlicensed closed business?
Consumer complaint received 2017-11-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (CA)

I took out a short term payday loan with Speedy Cash. I authorized them to take one payment out of my account of XXXX on XX/XX/XXXX. Instead speedy cash sent an ACH withdrawal to my account that cleared and also charged my debit card. They took the additional XXXX that was not authorized causing multiple overdraft fees with my bank totaling XXXX. Also transaction checks were bounced because of speedy cash taking two payments out of my account that was not authorized. The payments I made to other merchants were charged NSF charges totaling XXXX in addition to late fees posting to my other accounts because of this error
Consumer complaint received 2017-11-01
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. (MI)

I have sent in letters to Experian XXXX, and also XXXX XXXX I have also called I have also upload my photo Id and social security card to have proper things taking off my credit report. I am not sure why they even keep letting people run my credit with out verifying that it is me. This is why I have a fraud alert on my report. I just so happen to pull my report and this is crazy how they have let just about everyone pull my credit. I recently order my credit report and noticed that there are more then a few inquires that I do n't recognize nor did I authorize. Such as : ( 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 BANK XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VIA XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX ) These are the inquiries that are unauthorized and unrecognizable. I have called over and over again and for some reason they keep telling me that there is nothing that they can do. If this is true then why would I even have a fraud alert on my report. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of Credit B. XXXX XXXX XXXX XXXX XXXX order The following credit inquiries are related to none of the aforementioned permissible. Please remove these credit inquiries immediately.I would also like and updated report when this problem is corrected. Thank you so very much in advance XXXX XXXX I would also like my correct name and address and right social security number updated along with my phone number. I am attaching copies of all the correct items.
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation (MI)

In 2016 Took out a Loan with Home Point Financial this year in the last three weeks refinancing and onto to find out can not close because lean om my home with past klender that Homepoint was responsibe to take care of with there previous titale company pai XXXX to a titale company and homepoint finacial to do XXXX. The last two days been working continuiously to try to get the Lien off with minimal help from my current lender that messed up to began with. I sent them several documentations in the last two days. Even wen to court house this morning to only look like a XXXX the county court hosue i worked at in past how embarrising I been paying home point for a whole years and they dont even hold my mortgaege. And aagin this is not my field when i apply and take out a loan i exspect the lender and the titale company and all involve under the sole responsibility of the reatining lender to take care of everthing they had no poroblem taking my money for closing cost now they asking me for documents and want me to fix the problem which is totally nonsense and they shoudl own up take responsiblity and fixe the problem. They tell me they dont even have access to my fiel which is bull yes they do I did follow up with attourney and 3 other lenders 2 are the top lender in the nation. This stress has caused me sever health problem in the last couple weeks.
Consumer complaint received 2017-11-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AK)

This debt buyer as it says on my credit report has not sent me any validation upon request. I do not have any contract with this company. They completely violated my consumer right by not only not sending any notification but refusing to validate after only finding out them from XXXX and XXXX. They again have 7 days to send me full validation including contract with my signature agreeing to do business with this company. If they fail I will turn over complaint to my state attorney general for further investigation or they must delete themselves emediatly from my credit reports within 48 hours. You claimed to have purchased this debt so if anything is owed its the few pennies you spent to buy it. Do not respond oh we need more information, blah blah blah. You obviously have enough to report it, you have enough to validate not just verify. Computer printouts are not except able validation according to the consumer rights agency. Feel free to send me proof that you sent something.
Consumer complaint received 2017-11-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THIS IS I REGARDS TO PREVIOUS COMPLAINT # XXXX CFPB CLOSED THE COMPLAINT BUT WHY? IT IS NOT COMPLETE. STILL HAVE YET TO HEAR FROM TRANSUNION ABOUT THOSE 3 STUDENT LOAN ACCOUNTS. XXXX AND XXXX REMOVED ALL 3 ACCOUNTS YET THEIR STATUS ON HERE IS STILL SAYING " OPEN '' AND THEY BOTH SENT ME AN UPDATED COPY OF MY REPORT SHOWING THEY WERE ALL REMOVED BUT TRANSUNION HAVE YET TO SEND ME ANYTHING. THEY NEED TO GET THIS DONE I HAVE DISPUTED THIS 3 TIMES SINCE XX/XX/XXXX. XX/XX/XXXX WAS THE 2ND DISPUTE. NOW TRANSUNION IS SAYING XXXX XXXX HAS UNTIL XX/XX/XXXX LIKE CMON THIS HAS TAKEN WELL OVER 60 DAYS. THE ALLOTTED TIME. THIS COMPLAINT SHOULD STILL BE OPEN OR THE ACCOUNTS NEED REMOVED. I SENT THIS COMPLAINT IN XX/XX/XXXX THEY TRIED TO SAY THEY DIDNT UNDERSTAND IT. SO I DID IT AGAIN XX/XX/XXXX ON CFPB RECORD XXXX. YET YOU HAVE IT CLOSED BUT WHY??????
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

hard inquiries on my credit that i didnt do XXXX ( XXXX XXXX  XX/XX/2024 XXXX  ( XXXX ) XX/XX/2024 XXXX ( XXXX ) XX/XX/2024 XXXX XXXX XXXX ( XXXX ) XX/XX/2024 XXXX XXXX XXXX ( XXXX ) XX/XX/2024 XXXX XXXX XXXX ( XXXX ) XXXX XXXX, 2024 XXXX XX/XX/2024 XXXX XXXX, XXXX XXXX XXXX, 2024 XXXX XXXX XXXX, 2024 XXXX XXXX A XX/XX/2024 2024
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I divorced in XXXX, and as part of the final divorce decree and property separation agreement, 1 of our homes ( XXXX ) became my ex-husband 's full responsibility. I remained responsible for our XXXX property. My ex-husband failed to maintain the mortgage on the XXXX property and I have been working with the mortgage company, Capital One, for years attempting to resolve this matter. My ex-husband 's failure to maintain the mortgage has affected my credit and has the potential to affect my security clearance. Because of the negative impact on my credit, I could not refinance the XXXX home and lost that home to another financial institution. I was completely overwhelmed with trying to work through issues with the divorce, the IRS due to my ex-husband 's failure to pay taxes ( which I have since resolved ) ; and the two mortgages ( XXXX & XXXX ). 

As it relates to XXXX and Capital One, I first tried to short-sale the property and received an offer on the property. Capital One failed to respond to the offer. I then requested a deed in lieu ( DIL ), when it became apparent that my ex-husband was not going to maintain the mortgage or work with the bank toward another resolution. By letter dated, XX/XX/XXXX, Capital One approved the DIL, but asked me to pay {$3000.00}. Capital One, however, subsequently closed the file on or about XX/XX/XXXX, because title was not clear, without giving me or my ex-husband the opportunity to clear title. I had been in contact with Capital One at least 4 times between XX/XX/XXXX and XX/XX/XXXX, and they failed to inform me that the title was not clear. I subsequently retained an attorney and cleared the title and requested that Capital One reopen the file. They did. Capital One then asked that we obtain home insurance on the property. Unbeknownst to me, my ex-husband allowed the mortgage insurance to lapse on the property. Nonetheless, we obtained the home insurance, as requested. 

I learned on Monday, XX/XX/XXXX, that Capital One is offering a loan modification, and not a DIL. Even though by court decree I am not responsible for this property, I have been trying to work with Capital One in good faith for years to resolve this matter. My divorce was hard enough and Capital One continues to make me re-live the stress of this situation. I have made no less than 40 calls to Capital One over the course of the last year, but Capital One continues to keep moving the mark and are not working with me in good faith to resolve this matter. I have retained 1 attorney to help with the title issues and paid another attorney for overall guidance on this issue. I am contacting CFPB, because my efforts have proven fruitless and Capital One is refusing to operate in good faith. Accordingly, I would appreciate assistance with bringing this issue to immediate closure.
Consumer complaint received 2017-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XXXX XXXX XXXX Coinbase closed my personal and business accounts with them. While my business account had a zero balance, my personal account had a balance of XXXX. I followed the on-screen instructions to have these funds returned to my bank account but after submitting the form their website displays the following error message : 'Subtotal ca n't be blank. Subtotal is not a number. Total ca n't be blank. Btc ca n't be blank. Payment method ca n't be blank '. I emailed the company on XXXX XXXX XXXX and received a reply on XXXX XXXX XXXX stating they would investigate. All further emails have resulted in a template reply or no response at all. Their site is still broken and I still can not retrieve my funds.
Consumer complaint received 2017-11-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent two seperate letters to XXXX XXXX TransUnion XXXX one in XXXX and over 30 days later in XXXX XXXX asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded XXXX & TransUnion to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... XXXX XXXX TransUnion act like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ...
Consumer complaint received 2017-11-02
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. (GA)

XXXX routinely allows companies to conduct credit checks to my credit profile causing my credit score to go down significantly but when trying to get to the bottom of why companies where allowed access to my credit profile. XXXX has no real answer. Moreover, they have decreased my credit score significantly and after I 've reported to them, that I did not ask companies to check my credit, they want me to ave my credit frozen. Meanwhile, they have keep my credit score very low, costing me loan approvals.
Consumer complaint received 2017-11-02
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: EQUIFAX, INC. (NC)

My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This one of them and is a fraudulent account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX auto loan XXXX opened- XXXX I 've currently submitted an identity theft report to The Federal Trade Commission as well as disputed this account with three credit bureaus.
Consumer complaint received 2017-11-02
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. (MS)

I have several inquiries on my credit report that I did not authorize. on my XXXX and Experian. 
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 2017-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

The sales associates are not demonstrating knowledge towards Walmart practices, and are verbally expressing incorrect information. A representative on the phone stated that in order to receive electronic finances, Ex. Moneygram, alternative forms of identification includes passports, credit cards, etc. I had kindly expressed what is addressed via complaint at this time with the associates. However, they did not listen. In addition, another representative previously claimed that a particular practice was per their policy. However, the manager and another associate stated that she was incorrect. It is now to a point where the associates at their location are not knowledgeable towards subjects such as these. Consequently, a complaint is now filed. Their failure to comply had resulted to interference with my own schedule.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (HI)

On XXXX XXXX, 2017 I began the purchase of a used car from XXXX XXXX XXXX in XXXX Hawaii. The purchase price was {$42000.00}. I planned to make a {$25000.00} payment leaving {$17000.00} to be financed. 
XXXX XXXX contacted XXXX XXXX among others to arrange the financing. We ultimately financed through XXXX XXXX. 
Subsequent to the purchase I received a letter ( copy attached ) from XXXX stating that they declined to finance the balance owed. They stated as a reason that a company called SageStream only gave me a FICO score of XXXX. That number is not valid. My current FICO score at XXXX is XXXX ( see attached copy of my score ). 
I do n't know who SageStream is or for that matter why anyone would try to use their service. You can only contact them by mail and they want hard copy documentation of Social Security Number, date of birth, driver 's license, address, etc. Given the way personal information is handled today, there is no way I intend to send that kind of sensitive information to some unknown entity. 
I do not believe that SageStream is providing accurate information to potential lenders and that they need to be put on notice that damaging someone 's credit or misrepresenting their credit score can have serious consequences. 
Since I was able to complete my transaction without any adverse consequences I will not be contacting my attorney. However, if this company ever again misrepresents my credit profile, I will seek legal redress. 
I think CFPB to be aware of this company. They need to be looked into.
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IN)

I received an email from Synchrony that my " XXXX XXXX XXXX '' card was good at other retailers that used XXXX XXXX. The email offered a link to follow to find other valid retailers. XXXX XXXX was listed as one of these. When I arrived at XXXX XXXX they verified that they did use XXXX XXXX so we thought it was fine to used my credit. I had a {$1000.00} credit. 
I bought new tires and had them installed. When I went to pay it would not accept my card. We called Synchrony and they said the card was n't any good there, I needed to have a XXXX XXXX  credit. I explained that the email that they sent me listed XXXX XXXX. Synchrony would not accept my valid credit. I asked to close the current account and reopen in XXXX XXXX. They closed my account and then refused/denied to open a new one. So not only did I have to endure humiliation of my credit not going through, but I lost my line of credit completely. 
The email was very clear, and XXXX XXXX was listed as a valid vendor. 
I could have lost my car ( because XXXX XXXX would have held it until it was paid ), my job ( for lack of transportation ), and everything I have- all because of false advertising. And this is a very clear case of false advertisement.
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (ME)

Citibank previously announced that it is terminating its co-branded credit card relationship with XXXX XXXX at years end. As a current cardholder of a Citibank XXXX XXXX XXXX XXXX XXXX card, Citi notified me via email on XX/XX/XXXX that my account is being transferred to XXXX XXXX on XX/XX/XXXX. Citibank via telephone that they have sold my account to XXXX XXXX and that " this was a business decision. '' Citi has sold my account information without authorization. Citi has charged an annual fee ( appox 6 months ago ) and has not, as of yet offered a pro rata refund of the annual fee.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I did n't make these inquiries it must be errors.
equifax - XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX XXXX - XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (MD)

I was shocked when I reviewed my credit report and found a late payment on the dates below : 30 Day Late - XX/XX/XXXX 30 Day Late - XX/XX/XXXX 30 Day Late - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-11-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

Since XXXX XXXX, i have had trouble trying to get my payments back on income base. I am a single parent/ single income. I have been trying to find the application on the website and it took me for a loop. I filled out an application/ got approved for income base 4 yrs ago. The application was accessible, plus customer service was available. It was set up differently when i tried to apply again in XXXX of XXXX. Now i am backed up on my payments because i can not afford the monthly payments now.