davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NH)

I made mention that i have never owned a XXXX  XXXX credit card nor have ever shopped in one. I dont know when this account was opened and who has been using this. I have sent emails to XXXX  XXXX, XXXX and also to XXXX XXXX  XXXX  with no luck. I have no idea who could have done this under my name.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 

XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/2020 XXXX XXXX XXXX Inquiry : XX/XX/2020 As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to 15 USC 1681n, also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission. 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2019-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (WA)

I sent {$500.00} to my niece and the cash app said it was not going to be available instantly like it usually is. So we tried to get it refunded so I could send it using another method. We reached out and support told us that they would help us so they called. They told me that in order to get a refund I had to push a green button for the dummy account to refund it. I was questioning and asking many questions but he convinced me so when he sent it I pushed the button. Well, it ended up stealing {$1400.00} dollars from my account. He sent two more transactions and tried to pressure me further. I hung up and realized it was a scam. I immediately called my bank to try to stop it but they said it was too late. I filed a complaint with them and they did not help because they said it was the cash app fault. I also recontacted customer support and they said they would investigate and it would take 45 days. However, after a few more emails I didnt get any resolution. I have proof as the two additional attempts from this scammer in my account. I am so upset. They do not even have a phone number to contact. This all took place on XX/XX/2019. I have had {$1400.00} stolen by a fraudulent scammer
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian credit agency ; I have and old phone number set-up on the account when trying to login the system wants to send a authentication code but I don't have that phone number anymore I called on Saturday the XX/XX/XXXX to have the phone number updated I was told 24 hours wait time for system to update. Now here it is Monday XXXX of XXXX and the number has not been updated. 

I called Experian to speak with technical support, when telling the rep my situation she hung up the phone. I tried calling back but my number was put on a special block list where you can no longer get passed the automated system I CAN'T GET TO A REP I'M XXXX, Please fix CFPB, I just called the XXXX & XXXX fix my issues within 5 minutes, Experian is purposely blocking access via phone. 

Plus in the process of trying to get passed the proms I locked my report so there are a host of issues they are not addressing CFPB FIX IT
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2021-08-02
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. (AL)

9 collection accounts were added work of XXXX, doing my credit score, which was already inaccurate, then ( 8 ) were removed in XXXX of XXXX, score never change back up, the, ( 9th ) was removed XXXX this year and it dropped ( 5 ) more points, some have changed the balance and the last payment dates ( XXXX  XXXX XXXX XXXX ), regions closed my secured card of {$800.00}, {$200.00} had been spent of it in XX/XX/XXXX, I was it phone with fraud department, as it was being breached while they were working on it, at that point I asked for a freeze on the card, next thing I know it was in collections for {$480.00}, I had my own {$800.00}, they won't take it out of collections and return my money, no reason given, bunch of run around. XXXX XXXX XXXX has had a lot of funny business going on with my account and credit cards, extra high balances and payments for the card limit to be only {$600.00}, I asked in branch and can get no staying where even after didn't them on my credit report through Experian, broke down details. XXXX XXXX XXXX, had me in collections for {$650.00}, I disputes it knowing I owed nothing, they removed {$600.00}, but let {$58.00} in, no reason given. XXXX  REPORT ARE INACCURATE, Phone numbers keep getting changed on personal data, making it hard to be identified with XXXX XXXX  XXXX companies, but showing a lot of negative on report along with inaccurate data. XXXX has a medical bill that shouldn't be there. XXXX  with WOW, XXXX, I have had these services, don't owe anything, not showing on XXXX, but it is on the other 2, Please help, thanks.
Consumer complaint received 2024-09-17
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BMO Bank, N.A. (WI)

XXXX job, been off work for XXXX  months.. been trying to get help from the bank for my financial situation with my mortgage because I am behind .. due to loss of income.
Consumer complaint received 2021-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (HI)

In trying to pay my mortgage off as early as possible, I paid extra payments over several years. When I paid these I checked a box called " make a payment '' What i did not realized is that I should have checked " principal '' When I asked Wells Fargo to convert theses payments to principal, they refused. So in essence, they are wrongly keeping about {$16000.00} of my funds and taking it as interest revenue while this was not earned by them. This should be illegal and they should be forced to record my payments on a first in basis applying them to interest only when interest is due.
Consumer complaint received 2021-07-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Schrier, Tolin and Wagman, LLC (MD)

Greetings, My name is XXXX, I have Stipulation of settlement with TOLIN & WAGMAN which I agreed to pay {$380.00} per month, beginning XXXX XXXX until the sum of XXXX will pay in full. On XX/XX/XXXX Due to the loss of my father- in-law with XXXX and I had reduced of income. I have called Schrier Tolin & Wagman and I talked to XXXX and asked her if I can pay lesser amount than {$380.00}. She told me I can pay {$200.00} every month due to COVID-19 everybody is having problems paying their debt. Since XX/XX/XXXX I have been paying {$200.00} a month. Sometimes I pay 2 months together $ XXXX {$500.00} because they do not accept less than {$400.00} on credit cards payment. The last payment was XX/XX/XXXX for {$400.00} for XXXX and XXXX. On XX/XX/XXXX I have called Tolin & Wagman, I spook with XXXX who confirmed to me on the phone and by email, I am okay on paying {$200.00} a month. On XX/XX/XXXX the office of Schrier Tolin & Wagman confirmed to me in writing that I can pay {$200.00} on the XXXX of every month until the settlement is paid in full. I do not understand why I am paying as agreed {$200.00} a month since XX/XX/XXXX and XXXX XXXX Tolin enter judgment against me. Since XX/XX/XXXX every time I call the office, they tell me I am fine on paying {$200.00} a month. I am doing my best to pay my settlement in full by the end of the year. As of today, the balance is {$2500.00}. XXXX XXXX Tolin is doing his best to collect the full amount before the settlement, he does not want to work with me to pay my settlement. I have called and sent emails the TOLIN & WAGMAN office they keep hanging up on me. They do not want to find solution. They are making it difficult for me to pay my settlement, so they can enter judgment against me. Their XXXX is to collect the full amount before the settlement. They tricked me. I have been paying for 2 years, now I am almost done paying my settlement they want me to pay more. I have seen several customers complaint online about this company scamming them of their money. They need an immediate investigation. 

Please check the XXXX XXXX : Schrier, Tolin & Wagman, LLC Reviews and Ratings | XXXX Schrier Tolin And Wagman XXXX XXXX, MD XXXX | XXXX Schrier & Tolin , LLC | Reviews | XXXX XXXX XXXX Profile ( XXXX  ) Thank you so much for your time on this matter. 

Best Regards, XXXX XXXX
Consumer complaint received 2021-08-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: MARINER FINANCE, LLC (CA)

In early XXXX i got a loan through mariner finance and they put a lien on a car that I am paying off. In XX/XX/2021 I lost my job and could not longer afford my car payments, so I was gifted a car and wanted to switch my lien to the gifted car so I could sell the one I was paying off ( to lessen my debt to income ratio ). 

Mariner finance will not allow me to switch my lien to the other car ( with a free and clear title ). They want me to apply for an entirely new loan or pay off the existing loan. I attempted to apply for a NEW loan and was denied because my debt to income is too high ( because I already have a loan through them and have a car I cant afford ) and they wont let my mom co-sign because she lives in a different state. This is frustrating because i already have an approved loan through mariner finance that I have been paying on and my debt to income ratio is high because of them. I just need the lien to be transferred so I can sell the car I cant afford. 

This seems illegal as they are telling me the only way I can get this taken care of is taking out another loan to pay off their loan so I Can sell my car. I am already in a bad financial situation as I have been paying two car insurances and a car payment I cant afford and they want me to take another loan out to pay them.
Consumer complaint received 2019-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (IN)

On XX/XX/2019 my sister sent me XXXX on cash app and I cant get the money because I no longer have access to the number that I used for the account so I tried to contact cashapp and they gave me directions as to what to do to solve the problem but it still didnt work and I reached back out to them to let them know they directions didnt work and I havent heard back from them
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I need the consumer protection to contact the 3 credit report bureaus to restore the score to the point it was before I interacted with the office in XXXX. You have documents of before and after score which is not possible. You can even ask the companies. 

On XX/XX/2021 I applied for a mortgage at a company in XXXX called XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I told the lady my basic information and she said I will have no issue being pre approved. She then about a week or two later said I can not be approved for the convention loan, she was rushing to get off the phone with me. I then emailed her and said I wanted the FHA loan, she never responded to me. I then called another mortgage broker based out of RI within the 30 day silo or shop around period, he pulled my credit and now the median score was 21 points lower. I then called another cross country mortgage in PA and they said they would have given me the FHA loan. I tried to call cross country mortgage in XXXX from a different phone number I got an answer and the lady said it could be possible to transfer my file to a different office.This office in XXXX is discriminating against me. This does also not explain why my score dropped so much, when it should not have because I was in the 30 day period to shop around for a loan.
Consumer complaint received 2021-08-01
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: EQUIFAX, INC. (CA)

I have unauthorized credit inquiries. I am a victim of stalking and doxxing. Please investigate and remove the inquiries. 

XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (MA)

I originally had a {$160000.00} loan with XXXX XXXX in XX/XX/XXXX. The loan went to DiTech XXXX, and then ended up with NewRez. I paid the balance of the loan on XX/XX/XXXX, it was {$74000.00}. I have spoken to numerous representatives over at NewRez and they all state that there is a XXXX Balance. 

However, when I went to sell the property, the title examiner is saying that there is no discharge or lien release of that original {$160000.00}. So they are holding back my money until I can get this resolved.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OK)

I have been trying to get my credit reports since XX/XX/XXXX. I filed a Chapter BK in XXXX of XXXX and it was discharged in XXXX. 

Equifax has removed 90 % of my history. I had to send a 10 page fax proving my identity. I still can not access my report. 

XXXX  also has identity issues but I can get to a partial report online. 

XXXX also has me blocked from obtaining my report even after uploading on my phone to the representative who said I would be able to access. 

I have had a 160 point drop in my score. I have been denied PPP, FEMA and SBA assistance and nobody will disclose why. 

I had no issues with my Covid tax stimulus or IRS Tax return but in XXXX when my score dropped, and Equifax removed most all of my history I can not access ID.me for the IRS, SSA, and I have not gotten my unemployment credit not advanced child tax credit payments. 

I have a medical collection bill that was paid in full by XXXX XXXX XXXX XXXXXXXX XXXX XXXX that was sold to collections for {$250.00} and never got a bill. I have been working with two debit collectors, the insurance and medicaid. Every month its worse.

Multiple debt collectors discharged in BK in XXXX are reporting discharged debt and selling to new collectors. 



I need help.
Consumer complaint received 2021-07-31
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. (FL)

Yesterday my Credit score was XXXX. Today out of retaliation for me filing a complaint against them Equifax dropped it by 38 points. Nothing has changed on my credit report since yesterday. In fact my credit score had went up XXXX to XXXX. The only reason my credit score dropped is because Equifax is retaliating against me for filing complaints against them. If this is not so then why did my score drop 38 points when nothing changed from yesterday. Nothing and I mean nothing changed from yesterday yet my score dropped 38 points. this is retaliation and its unethical and just wrong. If Equifax would do their job like they are supposed to I would not file complaints against them. This is more evidence to add to my complaint against them that I filed with the Georgia Attorney Generals office.
Consumer complaint received 2021-08-02
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: Early Warning Services, LLC (MD)

On XXXX XXXX I requested information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Early Warning Systems via certified mail. There was no response, so on XX/XX/2021, I requested that the account for XXXX be removed from my credit report, which they received on XX/XX/2021. To date I still have not received any information regarding this account.
Consumer complaint received 2021-08-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ENOVA INTERNATIONAL, INC. (TN)

On XX/XX/2021 I submitted an application to get a quad loan. Instead Cash Net USA came up and the stated they will handle my loan. I called the young lady that told me about the quad loan, she told me that none should be involved and quad is a app that you download to get a small loan for small purchases. Cash Net had approved me for a loan in the amount of {$1400.00}. I'm a senior citizen on a fixed income, I only get money once a month and I can't afford to pay the type of money back. Also their system read that the name wasn't matching the information I provided. I used my maiden name and XXXX contacted me, because they have my married name on file. I explained this to the representative and I was told to spell my name using upper or lower case. I immediately tried to contact their company to cancel that transaction. I never received a response that the transaction was cancelled.
Consumer complaint received 2021-08-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

I had over {$20000.00} in damage done to my house by a hail storm on XXXX XXXX. My insurance company has been sending me checks to cover the damage and I have to endorse them an sent them to my mortgage company ( Home Point Financial Corporation-loan # XXXX ). I have received 5 checks from the insurance company so far and I will be receiving 1 more in the next few days. I received a check issued on XX/XX/2021 for {$13000.00} and I signed it and sent it and I received it back from home point about 20 days later. I received a check dated XX/XX/2021 for {$770.00} and a check for {$120.00} dated XX/XX/2021 in the same envelope and signed them and sent them to homepoint in the same envelope. They sent the check for {$120.00} back to me but not the one for {$770.00}. I received a check for {$2300.00} dated XX/XX/2021 and sent it to home point the day I received it. When I call home point they tell me it takes about 10 days to process and send the checks back. Whenever I call them, they say the checks are in processing. I will be XXXX XXXX XXXX this week and I can't take the stress home point is putting on me, Why home point is continuing to hold the checks I don't know. All the work has been done and the contractor wants his money and I don't have it to pay him because home point has not sent the checks back so I can pay him. The last check they did send me back, I had a hard time cashing it because it was over 30 days old.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

Bankruptcy was disputed early XXXX of 2021 with XXXX XXXX. 
Disputed Bankruptcy with XXXX XXXX as the wrong and old information is being reported to credit bureaus. In early XXXX received information from XXXX XXXX that an investigation had been completed and the information researched was invalid and would not be reported any longer. 
Completed dispute with all 3 credit bureaus, in which they never changed the bankruptcy from being removed although the reporting agency has stopped reporting. 

I am writing this complaint as I am being intentionally targeted by the credit bureaus continuing to report false and inaccurate information. 

I respectfully send you this complaint coming with faith that it will be heard, rectified and resolved.