davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (AL)

Dear CFPB, I have XXXX XXXX XXXX XXXX XXXX, so I have a XXXX XXXX  and XXXX office I visit to keep on top of it and in good health ( XXXX XXXX XXXX. ) After visiting the XXXX  office multiple times with no issue, I get a bill for {$1700.00} dollars for a test I did not receive. The procedure is called a XXXX XXXX XXXX. I called the office to remedy the problem and woman staff member tells me that this happens from time to time, they will take care of it and not to worry. A month goes by and I receive another bill. I call the office again and remind them of the issue and they tell me once again that it will be taken care of. Another month goes by and I receive another bill. I had an appointment scheduled in 3 days, so I decided to speak with them face to face. I have my regular check up and on my way out I speak to the front desk staff and they tell me that they are very busy and that they can give her a message and remind her of the situation. I left the office and went to work. A few weeks later I get another bill. I make another phone call and now that the account is over 90 days delinquent they proceed to tell me that they will not see me again until the account is paid up. I tell them that this is a mistake again and what the other girls told me and she tells me they will look into it. At this point I don't believe her and am fed up, so I decide to seek a new XXXX. The bills stopped coming for a couple months and I think that the mistake has been fixed. Great right! Nope, that's just how long it took to be turned over to a collections agency ( XXXX XXXX XXXX ) and the phone calls to start rolling in. In response to all this I decide to use XXXX XXXX to dispute the inaccuracy and have multiple times, I added a consumer statement to my credit report and now I am filing a CFPB complaint. I just don't know what else to do. The mistake happened so long ago, no one remembers me on the phone and if it is investigated, because the mistake was made by the XXXX  office, it is in my file that I owe this money. I do not owe this money, I did not receive a XXXX XXXX XXXX and I am not going to pay for something I did not receive. Please help .... Respectfully, XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 2019-09-21
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: SYNCHRONY FINANCIAL (DE)

thise inquiries i didn't authorized they made it fraudulently. 

XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX. 
XXXX Syncb/XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX, PA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX   XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX, MD XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX, CO XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Nationwide Loan Consultants and Advisors, LLC (IN)

I obtained a personal loan that was to be for {$40000.00} through XXXX. Nationwide Loan Consultants searched for and presented this offer to me The agent for Nationwide, XXXX opened an email account in my name controlled by Nationwide to which I did not have access. They said this was " '' so I would not be inundated with spam in my own email ''. It appears that they represented that this was my email address to XXXX and that I was the one responding from the email address. 

I noticed that when deposited the loan was for more than discussed. Loan fees were already deducted. Soon thereafter more transactions with Nationwide occurred totaling 20 % of the loan amount. 

Since XX/XX/year>, the company has refused to answer multiple calls or emails requesting an explanation. The company has carefully avoided answering in writing per my request. 

Nationwide always indicated that all calls were recorded. If the CFPB obtains these recordings, they will have indisputable proof that Nationwide is engaging in deceptive business practices and told misleading statements about thier fees in order to get me to agree to the loan. This is why they have been evasive.
Consumer complaint received 2021-01-07
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. (MI)

On XX/XX/2020, I submitted letters for inaccurate accounts on my credit report. I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem corrected immediately, I will not wait another 50 days to receive no response from only to have to ignore my dispute. I demand that these accounts be deleted from my report immediately or I will file for litigation due to the stress and financial strain this process has caused me and my family. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives reason for immediate remove those items from my credit report promptly.
Consumer complaint received 2021-01-07
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX  to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!
Consumer complaint received 2020-12-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (WA)

Debt collection agency Hunter Warfield collected a debt on behalf of XXXX XXXX for alleged damage to a rental property. I contested the debt, but they kept collecting after 30 days. I paid in protest the full amount of {$940.00}, which was mailed on XX/XX/2020. HW assured me that I would receive a receipt and proof of payment within 20 days, which I need because I am going to small claims court to contest the debt. HW refuses to send the recept/ proof of payment even though it has been 3 months and I sent the payment registered with tracking that shows the payment was deliver XX/XX/2020 at XXXX. 
I have wasted hours of my life on hold with HW multiple times requesting a receipt, and they state that they will mail it every time, but they don't. 
Are they not required to provide a receipt? I've been waiting 3 months and my court date is coming up.
Consumer complaint received 2021-10-12
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. (TN)

I have submitted multiple disputes to Experian for XXXX XXXX ( acct # : XXXX ) and XXXX XXXX ( acct # : XXXX ). I have attached police reports with the disputes and provided plenty of supporting documents proving that these accounts are not mine. Even so, Experian has refused to remove the account stating that the companies confirmed the accounts to be valid. I asked Experian to provide me with the documentation that the companies provided to prove that they are valid even with having my police reports and they refuse to do so. They have now stated that no matter how many times I dispute unless the data furnisher removes the account they will not be removed. By having the police report and supporting documents but still allowing the accounts to stay on my credit report they violated my rights given to me under the fcra section 605B and forced me to have to pay the balances in order to move forward with getting a place to stay. I ask that you please have them remove these accounts.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number: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 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2020, I submitted letters for inaccurate accounts on my credit report. I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem corrected immediately, I will not wait another 50 days to receive no response from only to have to ignore my dispute. I demand that these accounts be deleted from my report immediately or I will file for litigation due to the stress and financial strain this process has caused me and my family. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives reason for immediate remove those items from my credit report promptly.
Consumer complaint received 2021-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Multiple dates, and times in the past beginning in XX/XX/2021 I've contacted TransUnion to dispute an incorrect, false, and as well as unverified account listed on my credit report as a Bankruptcy. TransUnion has provided little to no information in regards to this account. TransUnion is also reporting this so called bankruptcy on my credit file/report by listing little to no information at all. I've contacted TransUnion by phone and by mail inquiring about the source of this Bankruptcy they are reporting to my credit file, and TransUnion continues to provide me with false information as to where and how TransUnion verified this Bankruptcy as if their intentions are to cause extreme distress and harm to me. On XX/XX/2021 I sent a Method Of Verification Letter to TransUnion via certified mail questioning the process TransUnion used to verify this Bankruptcy, and who is furnisher of the verification of the Bankruptcy they're reporting to my credit file. The law states that TransUnion has 15 days to respond to my request, explaining all of the information requested in the Method Of Verification Letter to prove that the Bankruptcy TransUnion is reporting is in fact accurate on all points and every aspect possible. It has been well passed 15 days being that today is XX/XX/2021 and TransUnion has not responded to the Method Of Verification Letter questioning this Bankruptcy I sent via USPS certified mail on XX/XX/2021. I contacted TransUnion by phone to inquire about this issue, and I was told by a TransUnion agent that they are not required to respond to any Method Of Verification Letters per their policy. I then asked to speak with a TransUnion Supervisor, the agent placed me on hold then disconnected the call without remorse. I called TransUnion the very next day and I was told by an Transunion agent that they had no records of my calls and that I could not speak with a manager due to a shortage in staff. TransUnion has caused my family and I heartache, and an extensive amount of stress by purposely disregarding the law that protects me from this situation, as well as the law that governs TransUnion as a company. TransUnion 's inaccurate reporting of this Bankruptcy as well as their disregard to the law is causing my family to have to seek help/assistance for housing. XXXX, as well as XXXX have already deleted and removed this inaccurate Bankruptcy off of my credit file due to the account being unverifiable and false. TransUnion is the only credit reporting agency still reporting this unverifiable account. To prevent any further harm to my family I am requesting TransUnion to remove this Bankruptcy immediately.
Consumer complaint received 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NC)

In XXXX I applied for deferred payments with my lender ( Chase ) for COVID relief and was approved. So, no automatic payment occurred in XXXX. In XXXX, I determined that I did not need the relief deferrals, so I paid two months ' worth ( XXXX and XXXX ), and somehow in the process, the XXXX automatic draft was skipped. 
Chase charged me late fees of {$140.00} per month for XXXX through XXXX before I realized that I was behind on a payment. I immediately contacted them. 
I said that it didn't seem fair that I was not notified in any way of the ongoing late fees. It's true that I have signed up for electronic statements, but they're not emailed to me. It's up to me to review the website frequently in order to ensure everything is getting paid on time. I told them that some proactive notification would have been the right thing to do. 
They would only waive one of the fees, so 4 more of them remained. I paid them today to avoid any additional fees.
Consumer complaint received 2021-01-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Shellpoint Partners, LLC (CA)

For some reasons, my mortgage was transferred from XXXX XXXX to Shellpoint Mortgage Servicing on XX/XX/2020. My bank account was charged that month by both companies ( XXXX XXXX and Shellpoint Mortgage Servicing ) as they couldn't manage to properly cary over the automatic paiement settings that was in place. That created lots of confusions around the status on my paiements and Shellpoint Mortgage Servicing opened an investigation that is still pending. 
While we are all waiting on the result of that investigation, they keep reporting a debt on my account which hurt my credit very badly, affecting my family and my business reputation.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/2023, I received a phone call from an employee from XXXX XXXX XXXX, I was told I could obtain financial assistance if I did not have the funds to purchase a pet. I told this employee I did not want to have a hard pull to my credit report. This employee expressed to me this will not be a hard pull. They only do soft pull to see if I was pre-approved. I gave her my information for a soft pull. Then I was told I had to call XXXX XXXX to complete my application. I did not call XXXX XXXX or any other company to get approval. On XX/XX/XXXX. 2023 I received a letter from XXXX XXXX and a letter from XXXX XXXX XXXX  on XX/XX/2023, asking me to please call to finish processing my Petland application. I did not call anyone to complete this an application. I have done XXXX disputes with XXXX and was told that have documentations proving I gave XXXX the right to pull my credit. I have asked for these documents from XXXX and XXXX and I was told to get them from each other.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-07
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. (GA)

I Have been an a victim of Identity Theft for a few years now. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.
Consumer complaint received 2021-01-07
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: Monterey Financial Services LLC (PA)

There is a collection on my credit report from Monterey Collections from a debt owed to XXXX. I disputed the debt with the credit bureaus and it came back as verified. I contacted Montery to get this fixed, they said I owed XXXX. I told them I did not know of this company or debt. They said from a lease XXXX XXXX, I have never leased a TV and do not know of a XXXX  XXXX. I asked for a copy of the original documents and purchase but they have not produced it or removed the debt. According to the Fair Debt Collections Act they must provide information to substantiate their claim and have been unable to do so. I'd like this entry removed from all credit reports.
Consumer complaint received 2021-01-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

After Wells Fargo approved our Covid forbearance as my husband only worked 2 weeks a month, I applied for assistance and I was just informed we no longer qualify for a modification and need to foreclose or do a short sale. We have no where to go. Family of XXXX with a XXXX year old. They are giving me 14 days to decide on a short sale. I just received the letter today, XX/XX/XXXX on a letter written XXXX XXXX which leaves me 7 days to decide. I have been XXXX since XXXX  due to a work accident so it hasnt been easy for us.
Consumer complaint received 2023-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (OH)

On XX/XX/XXXX I applied for a small loan the smallest amount they offered was {$500.00}. 
The woman called me and I heard her say something about {$2300.00}. I told her I did NOT want to proceed. I was not sure what she said about the {$2300.00} and I said I would have to think about it. When I called back the woman assured me that I would NOT be paying back {$2300.00}. So I proceeded with the loan. 
As of XX/XX/XXXX payoff amount was {$870.00}. By that time I had already paid {$980.00}. My loan should have already been paid off. 
Now they're telling me the current balance on my account is {$1300.00} and the payoff is {$950.00}. I live on limited income and can NOT afford this. When I applied online I could NOT find ANY information about interest or that I would be repaying {$2300.00}. Please help me, I don't know anything else to do.