davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL INC (NY)

I received a collection notice from thisXXXX XXXX XXXX XXXX on XXXX XX/XX/2020 about a defaulted student loan debt, I immediately responded to them asking them to provide me information and originals documents about the loan in the original forms for the debt they're maintaining in my name and repotting the debt against my social security to the credit bureaus, they never responded and they continue to try to collect on the fraudulent debt and they continue to report collections activities to my credit report. Most recently another collection notice from coast professional When I called them to ask them to valid the debt they were unable to do so and when I requested them to delete the debt that has been causing me many financial problems they didn't delete the debt. In fact after requested to cease and decease in written in XX/XX/2020, the coast professional collection continues to contact me trying to collect the debt that I already have notified them was a fraudulent debt I never authorized anyone to take a loan on my behalf through XXXX XXXX XXXX they refused to follow the FDCP and FCRA laws, they're in violation with the FDCP and the FCRA. They claim I owe them a debt I never had through department of education, the school has been closed and they continue to reporting the debt and continue to make several attempts to collect. 
This is my final request before I take legal actions. I'm asking them to stop contacting me, stop harassing me, stop calling my number through different system computer generation phone calls, and to notify whoever they're collecting for about this final request to remove and cancel the debt from my name immediately.
Consumer complaint received 2021-08-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (TX)

1. In XX/XX/XXXX ; Discover Card gave me an option to setup a " Hardship Payment Plan '' with low interest rate on my closed account. I signed up and setup to make payment with " Auto Pay '' on the XXXX of each month ( An email confirmation is attached ). Since the account was closed and setup for Auto Pay ; I did not see a reason to monitor activities as I was XXXX outside the United States. 
Last week ; I received email from credit monitoring that my Discover account was reported " Late '' and my credit score dropped by XXXX points. I checked my account online and noticed that Discover stopped using " Auto Pay '' for payments in XX/XX/XXXX but never notified me about that. I contacted Discover but they were not able to answer my question and instead transferred me to several different departments. 
MY MORTGAGE REFINANCE APPLICATION HAS BEEN DENIED SINCE MY CREDIT SCORE DROPPED FROM XXXX TO BELOW XXXX. 

2. Again, I contacted Discover several times and they continued to provide incorrect and misleading information to me. 
I asked Discover the date when I signed up for the " Hardship payment Plan ''. Discover provided incorrect date over and over again and insisted that I signed up in XXXX and I was not setup for Auto Pay ; which is not true. I actually signed up in late ( XXXX ) XXXX with " Auto Pay '' from my bank account. 

I contacted Discover several times and they continued to provide incorrect and misleading information to me and I was not setup for Auto Pay. 


A similar complaint was filed with CFPB in XXXX of XXXX when account was in COVID-19 relief but Discover still charged Late Fees ; eventually they revered the Late Fees after receiving a copy of the complaint from CFPB.
Consumer complaint received 2021-07-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Onity Group Inc. (PA)

XXXX XXXX XXXX XXXX XXXX filed judgment XXXX against us even though we had already filed Chapter XXXX and loan was discharged XX/XX/XXXX by XXXX XXXX XXXX United States Bankruptcy Judge
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-05
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: Cottonwood Financial Ltd. (TX)

I had a Debt with The Cash Store that I paid in XX/XX/2020 through the collections company they sold it to, XXXX XXXX XXXX  ( XXXX ). I was told by XXXX XXXX XXXX that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports. 

I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. 

I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, The Cash Store.

I called The Cash Store and they told me that only XXXX could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. 

I have submitted a complaint with XXXX  and tried calling XXXX back several times but they keep telling me that they do not remove collections. 

I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through XXXX, removed. I do not understand why The Cash Store and/or XXXX will not remove this last account but I would like it either done, or explained. 

Thank you for your time.
Consumer complaint received 2021-07-29
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: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-30
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. (PA)

XXXX 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 :XX/XX/XXXX 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 2021-08-05
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: Experian Information Solutions Inc. (MD)

XX/XX/XXXX, Experian decreased my credit score from XXXX to XXXX. 

XX/XX/XXXX, I contacted Experian who told me that I have two XXXX  credit cards. One of them ( ACCN # XXXX XXXX XXXX XXXX ) opened XX/XX/XXXX, does not pay {$6.00} XXXX and XX/XX/XXXX. It made my credit score dropped. But I have only one XXXX  credit card which is opened XXXX XXXX. 
So I have disputed XXXX  credit card ( ACCN # XXXX XXXX XXXX XXXX ) opened XX/XX/XXXX to Experian XX/XX/XXXX, I contacted XXXX credit card department to check my XXXX  credit card accounts, XXXX confirmed that I have only one XXXX  credit card since XXXX and I paid on time and never skipped the due date.Also, I have not used XXXX  credit card since XXXX. XXXX confirmed that I do not have their credit card account with ACCN XXXX XXXX XXXX XXXX that is in Experian credit record. 


XX/XX/XXXX, I was also checking XXXX  and XXXX. But they do not have any issues those were from Experian. 

XX/XX/XXXX, Experian sent me dispute results those do not have any updates. I still have two XXXX credit cards. And one of them has pass payment due date. 

XX/XX/XXXX, I re-contact XXXX  credit card depart. XXXX confirmed that I have only one XXXX  credit card that does not have negative issues - late payments ...
Consumer complaint received 2021-07-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (VA)

This involves a mortgage loan that I applied to Sun West Mortgage Company for and received an initial loan estimate for on XX/XX/2021. I decided to pursue the mortgage through Sun West and did end up going through with the purchase and financing with Sun West. My issue is that, as we approached the closing date, I received a closing disclosure ( dated XX/XX/2021 ) that reflected quite a big difference in costs than the initial loan estimate. After looking into it further, it seems that pretty much all of the title costs, including lenders title insurance, were omitted from the initial loan estimate. This resulted in over {$1900.00} in title fees that werent anticipated. The initial estimate for monthly mortgage insurance premium also doubled. The total loan costs increased by 107 %. There was some creative arranging of the closing disclosure to make it look like nearly the same cash to close number, but that didnt take into account the {$3400.00} cash deposit I had already placed in escrow. 

I confronted the lender on these discrepancies and let them know that I had looked at the regulations and was aware that there were not supposed to be these kinds of increases in-between disclosures. I made a fairly big stink about it, which resulted in an updated closing disclosure ( claiming that the wrong version was sent the first time - I also didnt think those disclosures were supposed to be updated like that once they were sent ). This disclosure included another {$2400.00} in lender credits which looked like an attempt to compensate for the additional fees as compared to the original loan estimate, and miraculously got me back to my initial cash at closing amount. The doubled monthly mortgage insurance premium was not corrected, however. 
When you compare the final loan terms to the initial estimate, the interest rate was the same 3.25 %, but the monthly payment went from {$1600.00} to {$1900.00} ( a $ XXXX difference note that the monthly escrow payment was excluded from the initial monthly payment estimate but included in the final one ), and the APR increased from 3.486 % to 3.701 % ( an increase of 0.215 % ). 

When I was initially shopping for a mortgage I thought a 3.486 % APR was slightly high, but still within the range of comparables and my realtor recommended this particular lender, so I went with them. If they had shown me a 3.7 % APR I never would have pursued this mortgage ( there were some lenders advertising as low as the 3.25 % range at that time ). I ended up going through with the loan from Sun West, since it was either that or scuttle my plans to buy the house, at that point. I think their lending practices were unethical, though, and feel like I am forced to pay more than I originally agreed to.
Consumer complaint received 2023-06-25
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. (UT)

I got locked out of my account for XXXX twice in a row for a total of XXXX days, when my payment was due, and got XXXX calls from Comenity Capital Bank in that time, XXXX of which were from an Unknown Number and XXXX from a XXXX number. Got back in my this am and made a payment ( sun XX/XX/23 ) and have still received XXXX calls from them - XXXX, XXXX, XXXX. This is harassing behavior and I would like them to stop.
Consumer complaint received 2021-08-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (MA)

SNSC MORTGAGE failed to send auction notice to correct adresses to all parties Failed to process the loan modification application submitted well before the auction Provided them proof of funds to reinstate the loan .Denied to accept reinstatement went off to auction, even though provided them proof of funds for the reinstatement.

1 : Auction notices were not served or sent to us. Auction was defective 2 : Loan modification application is still pending 3 : reinstatement denied, provided them proof of funding to cover reinstatement amount.

SNSN deceit us. we believe auction processes was defective.
Consumer complaint received 2021-08-05
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. (FL)

I want you to help me because I found accounts that are not related to me. I do not know these items and I can not understand why they are in my profile. I am victim of identity theft for sure and I ask you to check and investigate the accounts. I filed a report and I want to proceed with procedures. I hope you will help me and delete them all.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MI)

I am a victim of identity theft. Upon submitting my identity theft packet and police report on XX/XX/2016 to Equifax, they have failed to block the fraudulent information and comply with the Fair Credit Reporting Act. XXXX and XXXX have both blocked the fraudulent information pursuant to the Fair Credit Reporting Act, Section 605B. Equifax is still reporting fraudulent accounts.
Consumer complaint received 2023-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC (AZ)

my original loan was for XXXX on XX/XX/2021 and I have been making payments. I have made a total of XXXX in payments to this company which is obviously over the payment amount. Now they have charged off my account even though i was making payments and have written off XXXX like I have never made any payments. this is illegal and should be investigated!
Consumer complaint received 2021-08-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (MO)

This complaint is in regard to a previous complaint # XXXX to Speedy Cash. I thought it was resolved where Speedy Cash accepted the complaint by CFpd as fraud and I was not responsible for the amount owed of {$1200.00}. However now this was reported on my XXXX  report after that report of XX/XX/2021. Speedy Cash/Curo XXXX XXXX, flagged your account as 150 days past due on XX/XX/2021. XXXX XXXX XXXX XXXX, XXXX, KS XXXX, XXXX, XXXX XXXX XXXX ( 150 days deliquent ) balance date XX/XX/2021, Balance {$1200.00} ... I hope this can be resolved and updated on my three credit reports..surprises keep showing up.. Thank you for your further assistance in the problem of fraud, opened by some unknown person.
Consumer complaint received 2021-08-05
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. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and finally some misinformation like my name, address, and employer to my credit report. It is clear that I am a victim of identity thief or fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (KY)

In XX/XX/2021 a collection account was reported on my credit report. I.C. System Inc has harassed me on several occasions in regards to collect a debt in the amount of {$680.00} which is a violation of the FDCPA 15 USC 1692d and FDCPA 15 USC 1692b ( 3 ) due to contacting me more than once. I have NEVER given I.C. System Inc DIRECT CONSENT as a consumer, in which they can not communicate with me the consumer in connection with the collection of ANY debt which is a violation of the FDCPA 15 USC 1692c ( a ). I have sent two certified dispute letters to XXXX  to validate this debt and never received the correct five documentations that constitutes I owe this debt which is a violation of the FDCPA 15 USC 1692g. I sent the first letter on XX/XX/2021 and the second letter on XX/XX/2021. The investigation came back as verified which is a violation of the FCRA 15 USC 1681a ( e ) because the proper investigation was not completed that consist of the consumers ( myself ) character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associations which they dont have my consent to communicate with third parties as stated in the FDCPA 15 USC 1692c ( b ). I.C. System Inc stated in the letter that I received that their office has reported this debt to the credit reporting agencies. This is an alleged debt that I do not owe, and by them reporting it to the credit reporting agencies it is a violation of FDCPA 15 USC 1692e2 ( A ) and has tremendously, negatively impacted my credit report. I.C. System Inc also violated FDCPA 15 USC 1692c ( a ) ( 1 ) by contacting me at an inconvenient time as I have been making funeral arrangements for the death of my uncle. Due to violations that I.C. System Inc has committed, this account needs to be deleted from the credit reporting agencies and by law in reference to the FDCPA 15 USC 1692k I need to be compensated per violation for damages.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

I HAVE KNOW KNOWLEDGE OF THIS ACCOUNT. AS I RECIVED A ALRTS ON MY XXXX XXXX THAT I HAVE AN AMOUNT IN COLLECTION SAYING I OWE XXXX. 
Overview You have 100 % left to pay on this collection. 

Balance {$910.00} Highest Balance {$910.00} Opened XXXX. XXXX, 2021 ( 4 mos ) Account status Open Type Collection Account Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX Closed No Info See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information MIDLAND CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX