davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mnet Financial Inc (TX)

A response came back from MNET through CFPB. I have reviewed the response made by the business in reference to complaint, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. 
*I didn't ask for validation in my complaint. 
*I asked that the account be deleted in light of the fact that the company failed to validate the account and kept persevering with collection activity despite it. Hence, once again in light of this company 's violation of the FDCPA Sec 809, which gives me the right to pursue this matter in court, I am demanding that the account be deleted or I will pursue this company for the violation
Consumer complaint received 2016-02-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: AmeriCash Holding LLC (IL)

XXXX site said it is normally 20-35 % interest, but when loan documents arrived in mail, it stated 365.6258 % yearly. I was given {$3300.00} and so far I have paid {$3700.00} and they are demanding wage assignment to collets {$3700.00} in additional fees. Loan was made XXXX XXXX XXXX and is scheduled to complete XXXX XXXX, XXXX.
Consumer complaint received 2018-04-24
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selene Finance LP (CT)

I made three biweekly mortgage payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to Selene Finance in XXXX. The last loan payment on XX/XX/XXXX was deducted from my bank account, but it was not deducted from the principal balance like it should have been. They will not resolve or even reply to the matter after 23 days now. 

I have attached screenshots of the current Selene Finance payment history and the payments made from my bank statement. The Principal Balance displays a {$220000.00} amount on XX/XX/XXXX. The payment reversal on XX/XX/XXXX is the problem because the funds were in fact deducted from my bank account and never returned. 

That payment reduces the principal because its the third payment of the month and Selene should never have had a " Payment Reversal ''. Therefore, the current amount in Suspense should be half the mortgage payment and the Principal Balance {$220000.00} as ofXX/XX/XXXX.

On a side note to eliminate any confusion. Due to the lack of information Selene Finance provided me, I made a manual payment onXX/XX/XXXX. Unknowingly, two payments were then deducted from my bank account. One deduction was turned back for insufficient funds, but the other payment was accepted.
Consumer complaint received 2018-04-23
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. (VA)

I contacted Transunion via telephone, and disclosed to representative that I was a victim of their inquiry issue.They were unable to resolve my issues.The following are inquiries appearing on my credit report, that I did not authorize. 

XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018
Consumer complaint received 2021-01-23
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: CITIZENS FINANCIAL GROUP, INC. (NY)

When I applied for XXXX XXXX XXXX XXXX and got approved, my credit score was XXXX. Six days prior I had looked into my credit report and found my credit score at XXXX. So, I had applied for a credit card with Citizens Bank which was denied, because of the two different conflicts of credit scores with XXXX.
Consumer complaint received 2018-04-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Exploring options to consolidate debt, I looked toward my existing mortgage holder, Wells Fargo. On the account summary page to the right side there is a planning and tools section. One link is " View your FICO credit score '' - I did and onXX/XX/XXXX it was XXXX. Knowing that is an excellent score I decided to explore their options and completed their Credit Options Guide. I then called in to explore the options presented as possible solutions in the guide. I spoke to : XXXX XXXX Inbound Sales Specialist XXXX, ext. XXXX ( She was very polite ) She took my info, understood that my goal was to consolidate my credit card debt, {$36000.00} worth by using the equity in my home. XXXX estimate that night was {$220000.00} and my mortgage balance was just over {$84000.00}. I am in insurance and financial sales as a XXXX worker I do not have a " regular paycheck '' so with the XXXX score the information provided it seemed like a good solution to reduce interest expense and allow me to pay off my debt much sooner than the current pace. 

I was eventually declined because of my total amount owed is too high and my debt payments would be too high - the woman that called me to tell me I was declined actually said after I reiterated that my goal was to pay off the CC debt, that they were concerned I would just run it up again. I get that, but isn't that true of anyone who consolidates debt? 

In the letter dated XX/XX/XXXX, they stated that my credit score is XXXX, 29 points lower than the FICO score on their website. The night I received the letter I went back and again selected the link " View your FICO credit score '' and this time it came back as XXXX, just two points lower, not 29. 

My complaint and what I would like to have happen : The " View your FICO credit score '' is  misleading - I would not have applied for a HELOC of {$40000.00} with a XXXX score. How many other people are being baited into making a financial decision that can have a negative effect on their ability to apply for credit again with another lender by being told they have a much higher score than they really have? 

I would like the Decline to be removed from my credit report so that when I do reduce my debt and apply elsewhere I am not negatively effected by the Wells Fargo decision.
Consumer complaint received 2018-04-23
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. (CT)

I filed bankruptcy chapter XXXX 10 years ago. I tried several times to dispute in writnging and with phone call to delete this on my report. I sole to new haven, CT Courthouse and they said they do not report to bureaus and yes it should be taken off all three of my reports. Equifax just updated my bankruptcy and said, it was updated and the Court never updates they told me. I would like this to be removed on my reports and I just feel your my last hope as I stressed myself out enough while trying for a long while to have this taken off my report. Any help would be appreciated. Thank yiu
Consumer complaint received 2018-04-23
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. (CA)

XXXX XXXX paid XXXX XXXX/XXXX XXXX fraud never had an account with either company. I wasn't even XXXX. I already disputed XXXX XXXX who took it off but this collection is not mine either. 
XXXX XXXX - I am an authorized user. Account does not belong to me. 
XXXX fraud never had an account with either company. I wasn't even XXXX. 
XXXX  account fraud this account does not belong to me.
Consumer complaint received 2018-04-22
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Even after I entered into a forbearance program in XX/XX/XXXX after being a victim of natural disaster ( Harvey ) in XXXX, Texas, they are are reporting a late payment for me in XX/XX/XXXX ... they had specified no late payments were going to be reported. This had ruined my credit and I need this late payment to be removed and status to be current. On top of all this they stopped reporting my payments after they reported that late pay. So as of now XX/XX/XXXX, my payment history is inaccurate and they are not willing to correct it. I have called them numerous times, and they just say they will get with me but never do. Not only did they report a late pay that they were not supposed to but also have stopped reporting my payments after that.
Consumer complaint received 2021-01-22
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: EQUIFAX, INC. (IL)

I HAVE DISPUTED THESE ITEMS WITH ALL 3 BUREAUS AND HAVE NOT RECEIVED ANY RESPONSE OR RESULTS, BY LAWS OF TH FCRA IF THE BUREUAS ARE FOLLOWING THE SAME LAWS AS YOU, THIS SHOULD NOT HAPPEN. PLEASE ASSIST IM ATTACHING, DRIVES LICSENSE UTILITY BILL SSN, AND FTC IDENTITY THEFT REPORT. 


THIS IS CAUSING MY FAMILY SO MUCH FINANCIAL STRESS **************ATTACHED IS A LETTER FOR EACH CREDIT BUREAU******XXXX
Consumer complaint received 2022-11-13
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: LEXISNEXIS (NV)

No open account associated with these inquirys and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers 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 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 FREEZE THESE 3RD PARTY REPORTS THEIR WEBSITES MAKE IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Negative Credit Reporting in error for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX due to break in service by XXXX and unfair and unjust lending service and standards. XXXX broke service failing to notify co-signor of loan amount due and status of loan, due to data base error on XXXX 's part during the time period of XX/XX/XXXX - XX/XX/XXXX. XXXX had a database error and replaced current address co-signor provided and requested she be notified at, with old XXXX address resulting in co-signor not being promptly notified regarding student loan payments not being made in full. XXXX in error replaced the co signors current address on file, with a XXXX address file from when the co-signor was a young girl with a XXXX student loan outstanding, which was paid off in full prior to co-signing the military veterans loans. XXXX sent personal loan information to an unauthorized address instead of the address provided to the lender by the co-signor and caused a negative credit rating for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, as well as, undue risk to the co-signor. Once co-signor was made aware of issue co-signor promptly took action and put loan in good standing. Loan was being paid on during period of concern by borrower. Negative credit reporting on co- signors credit for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX should be promptly reversed due to break in service error by XXXX . XXXX had good address on file for co-signor and co- signor made every effort to correspond with lender at all times. XXXX broke service with co-signor regarding the financial product during the period of XXXX XXXX XX/XX/XXXX although address was readily available listed under co-signors social security number with XXXX . Do-signor was always willing and able to pay on the loan cosigned which generates substantial income for XXXX at a 4.5 percent rate. In addition, XXXX XXXX loans cosigned were being paid on, small amounts of payments were being made by military person and his wife during the entire time period concerned. Family with XXXX children did their best to keep the loans in good standing while undergoing financial hardship. Once I was made aware of issue I immediately took action to pay on loan and put it in good standing. Co-signor has excellent credit otherwise and pays all bills at end of month, no other debt outstanding.
Consumer complaint received 2018-04-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

" I have disputed these collections multiple times, which are not mine, and the bureaus have not responded. Sect 609 of the FCRA explains my right to have the bureaus prove these collections belong to me. '' I have disputed these and have been given zero proof that this account is valid and belong to me. I have gotten no paper work on this account and this account has essentially reached it's 7 year Statue of Limitations sunset.
Consumer complaint received 2018-04-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

I received a bill for a minors XXXX that occurred around XX/XX/2017. I was the POA for the minor for follow up appointment purposes. However, her mom was SUPPOSED TO BE listed as the guarantor. Somehow I think there was a clerical error and I am now being held responsible for a bill that I don't have the resources to pay. I have been in contact with the hospital, the XXXX group, and the credit bureau system trying to fix the mistake. Yet, somehow, nobody wants to budge on the issue. For providing insight, Note that I'm in college with no financial aid, working and going to school full time and I can barely afford the bills I already have. This issue has ruined my credit and probably my chances for renewing my lease in a few months. What seemed like a little issue could now leave me homeless
Consumer complaint received 2018-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Yes I went to ATM machine on XX/XX/XXXX Friday I deposited money for me and my children bills food etc that I had withdrawn coming out of on Saturday then the ATM machine malfunctioned and did not post my money to my account I was crying and upset like anyone would me a bank teller walked bye me never stopped to help me she said the the 800 number when I called the bank on XXXX XXXX and XXXX in XXXX XXXX Nevada they told me after I was begging them and crying to please put my money back they told me I would have to wait 45 days to get my money back in the mean time my family has no food gas money for Work school and my nerves are shot all my transactions failed and I have charges not right at all this should have been put back into my account then investigate I was pusished because there ATM machine broke
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

Bank opened an account without my authorization. Did a hard inquiry into my report, which reduced my credit score a few weeks I had to apply for student loans. I never requested the credit card or to open the account.
Consumer complaint received 2018-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (CA)

I sent an credit card dispute/inquiry to the following : US Bank XXXX XXXX XXXX XXXX ND XXXX Attn : Executive Office Consumer Complaints The purpose of this memorandum is to notify US Bank that I seek a full detail since inception of all transactions for the account number XXXX Over the past several years dating back to XXXX, I have been in numerous conversations and interactions with US Bank, via phone, bank visit ; all requesting backup for questioned charges. 

US Bank has failed to provide any supporting documentation. I mentioned at that time that I was giving US Bank at least two weeks to provide verifiable proof that charges occurred on my credit card and if not that I would begin the credit dispute process via Consumer Financial Protection Board. As of XX/XX/XXXX, no proof has been provided. 

Based on the information contained and the Fair Credit Reporting regulations ( laws ), I request that all derogatory information pertaining to US Bank ; get eliminated from my account.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

On XXXX XXXX 2017 I filed despites on 4 student loan accounts and Equifax, XXXX, XXXX, Never investigated or tried to fix the situation. They did n't delete the accounts that 's past 7 years they did n't fix the amounts they just add remarks on there.satating that they contacted the company which they did n't because I contacted the company.
Consumer complaint received 2017-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

Every year, FedLoan Servicing requires loan participants to submit an employment certification form. My HR representative completed and signed the form, as she has in the past. I received an email notification from FedLoan Servicing directing me to go to their website to login to receive communication from them. When I logged in, there was a message that they could not certify my employment because I did not include an end date for my employment, The other reason was that my form was not signed. Both reasons are false. 
On the form, the HR representative put a check in the box that I am still employed. The HR representative signed and dated the form. When I called FedLoan Servicing this morning, their representative, who identified herself by a rapidly read number, not a name, told me that the reason the form was denied was that the " XXXX '' on the date was altered and that if any changes are made to information on the form, it must be initialed by the person making the change. I explained to the person that the HR representative only darkened the XXXX in 2017. I also explained that there is nothing on their website that indicates that if a person makes changes to the form that it has to be initialed by the person making the change. If the person who makes changes to a form has to initial the change, why is n't this information listed on the website so loan participants would be aware?
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX fraudulently opened a credit card in my name. After trying endlessly to get them to remove the card it still shows up in their system under my account and has been reported to the credit bureau. There are no charges on the account nor were there ever charges ; it just never should have been opened. They have assured me that it will be removed however those were just lies to get me off the phone. You are not customers to XXXX XXXX. You are cows to be milked.
Consumer complaint received 2019-11-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

I sent Midland Credit Management a certified validation of debt letter on XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX, CA XXXX that was delivered on XX/XX/2019, requesting validation of the debts with a 30 day time limit. 
( Tracking # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I did not receive a response from them until XX/XX/2019 ( dated on their end XX/XX/2019. 
This letter did contain verification of any debt, only a misstatement of my request about having an attorney representing me. I have none as yet. 

Therefore, I want to report a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently looked at my credit reports and noticed that XXXX XXXX XXXX XXXX XXXX reported negative marks 30,60.90,120 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve
Consumer complaint received 2017-11-17
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. (TN)

I have attached a document that has 8 accounts that reported late. THE ACCOUNTS WERE IN DEFERMENT AND THE INFORMATION REPORTED IS INCORRECT.