davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
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. (CA)

On several attempts I have notified Experian that XXXX XXXX XXXX XXXX, XXXX is inaccurate and unverifiable. I have included supporting documents from XXXX XXXX Federal Courts, XXXX XXXX, and XXXX. However, Experian is violating FCRA 15 U.S. Code 1681i ( 5 ). In addition, I have submitted several letter to let Experian know that the address : ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ) belongs to my mother XXXX XXXX. They continue to report this address and an abreviation of the address that in inaccurate. This is a complete intentional violation of my consumer rights under. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This is a willful violation because several attempts has been made to correct these errors but experian has totally ignored my attempts
Consumer complaint received 2020-08-11
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: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I paid off my home loan lived at XXXX XXXX XXXX XXXX Colorado XXXX not showing on my credit report. Mortgage was through Colorado Housing Finance Authority had a down payment assistance loan as well paid in full for both. XXXX plus the XXXX in down payment assistance. Address is not showing paid off in XXXX was not included in bankruptcy was paid in full. Paid off in full have the documents. Also had a XXXX XXXXXXXX XXXX  paid off in full from XXXX XXXX paid in full not showing on credit report.
Consumer complaint received 2022-10-30
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: Credit Karma (TX)

I am concerned about how Credit Karma does their reporting with credit information/score. I want yo know how Credit Karma got these scores that they are reporting on my credit report vs the XXXX XXXX credit reporting from all XXXX XXXX XXXX. Also, I have tried to dispute to some information on Credit Karma, but I am not able too, due to error message states that I can not dispute over the XXXX so therefore, I will need to call each Credit Bureau Companies to dispute information.
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

Hi CFPB, I closed my mortgage account with the Company Loan Depot. I have been reaching out to them to provide my escrow refund. As per your regulations it should only take 20 days to get a refund. I keep getting the run around and their customer service is no help. 

Please help!
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (LA)

They are crooks in Texas, I complained somebody at XXXX had compromised my account, XXXX refunded the money bach to XXXX, XXXX never complied. All Texas Banks are crooks, they work together to take advantage because they are XXXX.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL (LA)

I received a letter from Synchrony bank about my Amazon  credit card account. The letter stated that my credit limit with Amazon was decreased from {$900.00} to {$260.00}. Which my balance is about {$220.00}. I have been having this account for about 5 years. Never had a problem with Amazon  or the financial institution before. When I called Synchrony to find out what the problem was, they told me that I had to call XXXX  ( reporting agency ) to dispute the information in the letter. I informed them that I pay Synchrony Bank and not XXXX  for my Amazon  account. Synchrony had run my credit and I did not give them permission to run my credit again. Initially my credit was run and this is how I got the account. I did not give Synchrony permission to run my credit report, when I have an open account with them. I did call Synchrony, and they could not give me any answers, but that's ok because I know they were wrong in doing so. I am going to pay this account in full as of XX/XX/2020. I want this complaint to be filed against Synchrony Bank and if possible against XXXX. The information that XXXX  reported is incorrect, and I want it removed. I called XXXX  and their operator was not in the United States, and they could not even communicate with me about my problem.
Consumer complaint received 2020-06-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC (NV)

I reached out to the CFPB to file a complaint in XXXX. The complaint was with regards to Flagship Credit Acceptance not providing fair, transparent services and with regards to their refusal to assist with a deferral of the monthly payment as they claim to do, during the COVID19 pandemic. 

With the assistance of the CFPB, Flagship Credit Acceptance responded saying they will defer the payment XXXX monthly payment being ~ {$600.00} XXXX until XXXX. 

Flagship credit acceptance have now been calling, sending messages and emails attempting to collect a ~ {$1800.00} payment, saying that my account is over 40 days delinquent. Not only does this not constitute any assistance during the pandemic to a small business owner who has reached out for assistance but it establishes fraudulent communication tactics and misinformation to create fear and panic with the lenders who are doing their best to make ends meet and meet their financial obligations.
Consumer complaint received 2020-06-17
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: EQUIFAX, INC. (TN)

I would like to file a complaint against Equifax. I called them on XX/XX/XXXX to place a fraud alert on my credit file because I noticed an inquiry that was from XXXX  XXXX that I did not authorize. I followed up by sending them a letter on XX/XX/XXXX ( proof of letter sent and ate received in the attached documents ) that they received XX/XX/XXXX. The letter asked that they verify and delete this inquiry. They responded on XX/XX/XXXX online myequifax.com ( which I can no longer see the results ) stating that they verified and the inquiry belongs to me but sent no proof of verification. I sent my 2nd letter on XX/XX/XXXX asking them again to please remove XXXX XXXX, XXXX XXXX and 2 XXXX  inquiries. ( They received the letter on XX/XX/XXXX proof in attachments ) They responded on XX/XX/XXXX with the attached letter asking that I send another letter to : Equifax Information Services, LLC XXXX. XXXX   XXXX XXXX, GA XXXX and Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Which I sent out on XX/XX/XXXX. ( Attachment includes copies of letters ) Asking them to verify and please send me the name, address and phone number of the persons ' that spoke with to verify these inquires XXXX XXXX and XXXX. They received the letter on XX/XX/XXXX. On XX/XX/XXXX they sent out a letter stating " Inquiries are factual record of file access. '' With no proof of verification. These inquires have been deleted from both XXXX and XXXX  because they do not belong to me. 

XXXX XXXX XX/XX/20 and XXXX XX/XX/20 and XX/XX/20. 

I take pride in have a good credit score and keeping my credit report clean and Equifax is violating my rights as a consumer to correct information on my credit report that does not belong to me. Please have them remove it or send me actual proof that these accounts belong on my report. 

Thank you, XXXX XXXX. XXXX
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (NJ)

In XXXX XXXX my mortgage payment was {$770.00} ; an amount unchanged since XXXX XXXX. An increase resulting from an escrow analysis raised my mortgage payment in XXXX XXXX to {$850.00}. It was explained that this was due to taxes and insurance. Then in XXXX ( 3months later ), my mortgage increased to {$1000.00} with no notice or explanation. Upon inquiry, I was told that again this was due to taxes and insurance. I continue to try to get an explanation as it does not make sense. My taxes have not increased more than {$100.00} per year. My insurance has not changed since the last escrow analysis. How can my payment go up almost {$300.00} per month? How can I have two increases within 3months time? I received a tax delinquent notice in XXXX XXXX because the mortgage company did not pay taxes that were collected in my payments. There are penalties and fees associated that I should not be liable for. Are those fees being passed on to me? I pay my mortgage on time and in excess of the amount due each month. This increase is excessive and unexplained. I am willing to self-pay my taxes and insurance as I have more than 75 % equity in my home to resolve this escrow collection issue.
Consumer complaint received 2020-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Over the course of my 75 month loan that i payed off on time every single month. I made multiple attempts to update my address and the lien holder XXXX XXXX XXXX failed to update my information and routinely sent PII to an old address. The final payment for my vehicle was not auto debited from my account as the previous 74 had been. XXXX XXXX XXXX claimed that they sent me notice of this via mail, but then admitted to failing to update my address to the correct one so I had NO WAY of knowing that it would not be automatically debited from my account. When i realized I had not been charged I contacted the company. They stated that I would not have an adverse remark placed on my credit report, which I still did. I made several unsuccessful attempts to rectify this with the lien holder, and also filed an unsuccessful credit dispute with the credit bureaus. I was only able to get it removed from XXXX.
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MD)

Today ON XXXX XXXX 2020, I ATTEMPTED TO GET HELP ONCE AGAIN FROM PHH MORTGAGE. I SPOKE TO A MANAGER NAMED XXXX. I SPOKE TO HIM BECAUSE THE PERSON ASSIGNED TO ME NEVER CALLED ME BACK. 
THE PERSON WAS ASSIGNED TO ME AS A RESULT OF A COMPLAINT TO THE CFPB. 
THE MANAGER SOUNDED AND FELT AS IF HE WAS XXXX TO ME BASICALLY. HE SEEMED TO ALREADY HAVE A PARTICULAR MINDSET. I TOLD HIM MY ISSUES AND ONE OF THE ISSUES WAS THAT I WANTED THE INQUIRIES REMOVED FROM MY CREDIT REPORT. I REJECT THE FACT THAT MY CREDIT WAS PULLED 3 TIMES WITHIN TWO MONTHS.HE SAID THAT HE DOESN'T HAVE AUTHORITY. I SAID I KNOW THAT IT CAN BE DONE BECAUSE PHH REMOVED A DISPUTED ITEM FROM MY CREDIT BEFORE. HE THEN CHANGED HIS STORY AND SAID IT WAS MY CHOICE BECAUSE I REFUSED TO HAVE AN APPRAISER COME TO MY HOME AND THE INQUIRIES WERE VALID. I TOLD HIM THAT WAS ABSOLUTE XXXX AND INSTEAD OF ASKING WHY HE SAID HE WAS GOING TO TERMINATE THE CALL IF I DIDN'T CHANGE MY LANGUAGE. I REALIZED THEN HE HAD NO INTENTION OF HELPING ME.SO I BASICALLY CONTINUED TO BLESS HIM AND HUNG UP THE PHONE. ANOTHER CONTACT WITH AN INCOMPETENT PERSON. I DEMAND TO BE ABLE TO REFINANCE WITHOUGHT PREJUDICE. I ATTEMPTED TO OBTAIN A VA LOAN AND NOT ONE LOAN OFFICER EITHER KNEW HOW TO OR WAS ILL EQUIPPED. THE LAST PERSON FINALLY WANTED ME TO REFINANCE WITH A FEE I HAD TO INFORM HER I WAS EXEMPT AS A XXXX VETERAN. SHE TRIED TO QUICKLY HAVE AN APPRAISER COME TO MY HOUSE. I THOUGHT I WAS DOING A STREAMLINE REFINANCE. I NEVER DISAGREED I JUST WANTED MY OPTIONS EXTENDED. SHE HAD AN ADDITUDE AND NEVER CALLED BACK. NOW I REALIZED THAT PERSON LIED ABOUT THE APPRAISER EPISODE. I NEVER REJECTED THE ASPECT IF AN APPRAISER. I DECIDED NOT TO DO A VA LOAN AND JUST DO A FHA WITH AN APPRAISER IF I DO NOT GET ANY HELP I WILL FILE A COMPLAINT WITH THE OFFICE OF CIVIL RIGHTS.
Consumer complaint received 2022-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

I am a federally protected consumer. This is a formal Notice of Default that Midland Credit Management has violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have attached Invoice # XXXX that itemizes these violations in detail. 

Midland Credit Management as not complied with the cease and desist notice they received XX/XX/2022 via my first complaint with the CFPB. 

15 USC 1692c ( b ) states without prior consent of the CONSUMER given directly to the debt collector, a debt collector may not COMMUNICATE, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law.

15 USC 1692c ( c ) states if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further COMMUNICATION with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

Midland violated both 15 USC 1692c ( b ) and 15 USC 1692c ( c ) on XX/XX/2022 by continuing to communicate with me after they received my Cease & Desist Notice on XX/XX/2022. The communication was made by updating the status of the collection account on my XXXX, XXXX, and XXXX consumer reports without my prior consent. 15 USC 1692a ( 2 ) states the term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating to 3rd parties is prohibited, in this case, consumer reporting agencies, because the Cease & Desist Notice is effective and the communication is not permitted by law.

Midland has stated in their response to my first CFPB complaint that they will continue to furnish information to the consumer reporting agencies even though the account is marked as CEASE & DESIST, this is a direct violation 15 USC 1692c.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I pulled all three credit reports and I began disputing errors. I sent the first set of letters XX/XX/, second XX/XX/ and third XX/XX/. I also provided copies my drivers license and social security card as proof, that their reporting incorrect names, address, verification of accounts but not response to any of the letters.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

inquiries Capital one, please delete most of the capOne inquiries The was a fraudulent freeze on my XXXX, so every time I applied for a pre-approved card it was rejected until I got the freeze removed, unbeknownst to me. Thank you
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint concerning inquiries that are fraudulently placed on my credit files I did not authorize these inquiries to be made, I sent letters to the creditor notifying them of these inquiries are fraudulent. Inquiries : Experian Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX -- -- -- -- over 2 years XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX -- -- -- -- over 2 years XXXX XXXX  XX/XX/XXXX -- -- -- -- -- -over 2 years XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX -- -- -- -over 2 years XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX -- -- -over 2 years XXXX XXXX Inquiry Inquiry Date of Inquiry / XXXX 2 years XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date of Inquiry-over 2 years XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Consumer P XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-06-11
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2020-06-11
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2020-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (DE)

I noticed the collection item noted on my account from a creditor I don'y remember and not be a medical facility in the last 6 months.I tried calling at that number but did not get an response.At this time I feel this is a debt due to identity theft plus I am not not able to understand why i don't get nay response and this has ruined my credit history.
Consumer complaint received 2020-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

i used to have a credit card with XXXX XXXX XXXX, and used to pay all my owed amounts on time, never been late once. 
but suddenly i received a letter saying that i Owe them {$3600.00} to the collection company MIDLAND CREDIT MANAGEMENT, they did call me more than once and i told them that i did already reported to the bank that i lost my card and it had been used in different countries internationally which i have never been there and the bank said that it has been used card present so it is not online which proves that it is not me!! but they forward the account to this debit collector and they keep asking me to pay it or they will move forward and i did tell them the same info and they provided me with alot of letters and cases opened in the court against me!!! i have my passport that can prove that i am here in the USA and even when i travel, i didn't Travel to these countries that the card is used at, what should i do? 
all the transactions occurred in 2018 .if you can see any recorded calls with the bank, you will see that i did report them with this info since 2018 till today more than one time
Consumer complaint received 2020-06-11
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: Trident Asset Management, L.L.C. (NY)

XXXX XXXX XXXX credit card, made a fraudulent statement on my account the first is on XX/XX/XXXX {$280.00} and the other is XX/XX/XXXX XXXX where they posted as the minimum payment owed. they also stated I made an transaction I'd never made and charged me extra on payments which forced me into an over limit fees. I tried to explained to them that on XX/XX/XXXX I never made an {$100.00} atm purchase in the XXXX on XX/XX/XXXX where they intentionally altered the statement. I told them I wasn't even in the XXXX nor used the card for XX/XX/XXXX. I was on the phone for over an hour disputing my case with representatives and supervisors to adjust the error to no avail and they hung up the phone. On XXXX they showed on my credit report there's no availability for XXXX for XXXX  and XXXX  where I have the statement. My last transaction was XX/XX/XXXX and I made an payment of {$150.00} on the XX/XX/XXXX my last payment. By the XXXX they said I had {$75.00} credit available but balance was {$220.00} after paying {$150.00} on the XXXX with no further card transactions? They also stated on XXXX of XXXX an XXXX charge of XXXX was on my account for that month when I even didn't have one and the only transaction from XXXX was on XX/XX/XXXX. 
I will provide their statements, my statements and my time card punch out to contrast the time.