davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
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. (DE)

Hello, Im having discrepancies with Equifax and the creditor XXXX XXXX and I reached out to XXXX  by mail due to the fact that there the only credit bureau agency that doesnt have live representative that consumers can speak with, I havent heard any feedback from XXXX  about my credit report ever since XX/XX/XXXX. I spoke with multiple of live agents multiple times at Equifax all Im being told is lies majorly of the representatives from Equifax doesnt even want to give consumers there name. Equifax went into my credit score constantly changing my score to high to low, over a company called XXXX XXXX that was paid off, I was told by one of there customer service representative that it would be removed from my credit report, XXXX XXXX is reporting it to the credit bureaus as a paid charge off. XXXX XXXX owed XXXX XXXX, I had both of them at the same time before going to a horrible divorce loosing everything, my children I was XXXX  sleeping inside of the car, I had a few hardships the past couple of years, I paid off XXXX XXXX and I fell a little behind in my XXXX XXXX and got delinquent. Im out of work for getting injured on my job, and still find a way to pay them off, and XXXX XXXX still want remove this account off my credit after being told they would very Val people to there cord, its people out here in this world wouldnt care at all and not come back two years to pay there account off, I could of waited to it dropped off my account in XXXX. I need Equifax to stop taking points off my credit score for a creditor I paid off, I have evidence that Im sending over
Consumer complaint received 2022-03-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

My loan matured onXX/XX/XXXX and I was not informed by the company, PHH of this issue. I received no phone calls and no other correspondence from them, and they continued to take my payments for 4 more months until they said they could not and I needed to pay {$55000.00} immediately. I have been working with them to get a loan modification, but that process has been rife with incompetence and straight up lies. 

The customer representative, XXXX, sent me a letter on XX/XX/XXXX saying my application was complete and good to go. On XX/XX/XXXX I was told the application was not complete and I needed to provide more documents. On XX/XX/XXXX I was told of a new set of requirements, and again on XX/XX/XXXX. Finally on XX/XX/XXXX after talking to XXXX, a supervisor I was told of another new requirement which she says they knew about since XX/XX/XXXX, but never told me. 

I have been told my account is a top priority, but that is not true. I was told my account would be expedited, but again, not true. PHH has delayed my loan and pushed my credit further down making it impossible for me to get a loan from another lender, forcing me to deal with them. I can only imagine the interest rate I may get, if I ever get through this process. 

All I want to do is to pay the now balloon portion of the loan and to fix my credit, but PHH keeps changing the requirements I need for the application. Their actions scream of being predatory at the least, a scam at the most and incompetent throughout. When asked if this has ever happened before I was told no, so I feel this is a case of discrimination against me as a person.
Consumer complaint received 2022-03-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2018-08-03
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX my card was charged 5 times totaling around {$450.00} from multiple gas stations. There were two charges of {$100.00}, one charge {$98.00}, one charge {$98.00}, and a final charge of about $ 45-50 ( I forgot exact amount and dont have access to the statement at the moment ). I filed a dispute with the company which was denied before I was even able to send in the paper work. Because of this I was told that I have to send an appeal explaining that my case was denied before it was even opened which I completed and faxed to them on XX/XX/2018 and the company confirms the appealed was filed on XX/XX/2018. I was told the process would take 45-90 business days and to call on a weekly basis for updates. Each week I called and spoke to a different agent who said there were no updates and to keep calling weekly. Now in the beginning of XXXX, close to 120 days later an agent is telling me there is no update or information on my case and I should send in my appeal with the dispute letter if I still have it which I do not. I have been given a lot of misinformation about from various agents. Ive been told that they have no way to contact the dispute dept over phone only through email while another agent told me that if I call back during business hours they can call the dispute dept directly to get an update. Everyone I speak to gives me different information and no one is helpful in me resolving my case.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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 : DEPTEDXXXX  Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX 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 2023-01-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Credit Management/XXXX XXXX XXXX filed 3 lawsuits against me on accounts that have not been verified to be mine. They started in XX/XX/XXXX, second one XX/XX/XXXX and third XX/XX/XXXX. I've not had anything like this happen before, so I wasn't familiar with going to court. It all happened so fast because they were sending one right after another and they got default judgements. Which in turn they sent to my employer and my checks have been garnished for the past 6 months. They keep sending letters to my employer and have sent information on the details of the debt which is a violation of the FDCPA directly to my employer via email and regular mail. They keep sending letters to my employer over and over. To the point my employer is tired of dealing with it and I could be in jeopardy of losing my job of almost 10 years. This has been a completely humiliating for me being harassed on a debt that I don't even know that I owe. Not to mention ALL the charges and fees that added to it. Something needs to be done about this company ASAP. They're violating numerous laws daily! Misrepresentation of being an attorney but they're really a collection agency, they have and still are called harassing my family and my employer, and misrepresentation about the debt and how much is owed and verification that I even owe the debt.
Consumer complaint received 2018-08-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Coastal Credit, LLC (FL)

Me and my husband purchased a vehicle with a dealership that used Coastal Credit as our lenders. My husband got out of the military and we unfortunately had to leave the state and move back home which put in in a lot of financial strain. We attempted to have the car picked up in New Jersey as that is where we were located. The car was never picked up and we were continuously harassed about making payments. Fast forward to recently having to go through an ordeal with courts where we live now as they are attempting to garnish my wages for an amount that hasn't been specifically explained and documentation has not be furnished to show why that specific amount is being asked for. They were asked to come get the car and they did not do so. Instead it got impounded and then auctioned off. I am the only one working in my household right now and have dependents that depend on my checks. I cant afford for 25 % of my check to be taken. This debt is from XX/XX/XXXX and we are in XX/XX/XXXX. That is almost 7 years ago that this happened. They haven't attempted to contact and process anything until right now.
Consumer complaint received 2019-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX RCVL PER   MNG  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RCVL PER MNG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (CA)

A Fraudulent XXXX account was opened under my name and social security number, on XX/XX/XXXX in a state I have never been to or lived in. Upon contacting XXXX, they stated I do not have any outstanding accounts, for that reason I do not have an account number to provide. The account I can not get any information about was turned over to XXXX Attorney group by XXXX XXXX XXXX number # XXXX. They also agreed this was Identity theft. I filled a police report with XXXX Police XXXX. in XXXX, CA where I live, # XXXX and provided that to all parties. I thought this issue was resolved after contacting all parties involved and providing all of the necessary documents and proof that this account was not opened by me and is indeed identity theft, only to discover XXXX placed me back into collections on XX/XX/XXXX. I am now having to redo the entire process again to clear my name and credit. The victim has to jump through a XXXX hoops to clear their name, when they perpetrator had no issues using my information to open a fraudulent account. XXXX recommended I file a complaint through this sight. I was not contacted by any company regarding this collection. I only discovered it when I reviewed my credit report. When I provide the companies information in the following questions it's for your reference only, not because I receive any type of communication from them about this collection. I had to research and contact them.
Consumer complaint received 2019-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (NH)

I get repeated calls from about 7 different area code XXXX phone numbers. The company is CBE Group which internet says is a debt collection agency. I just ran my credit report and the 3 services show no outstanding debts. I have asked them to stop. They won't tell me why they are calling me repeatedly, all hours day and night. 

Here are their phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
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. (MD)

I have OLD accounts that has been closed for more than 7 years on all 3 of my credit reports XXXX, XXXX and Experian. There are still accounts open that suppose to be closed. I have reached out to all 3 credit reporting agencies filing disputes. I dont understand why after 7 years these accounts are still on my reports. I dont understand why accounts the closed isnt closed! According to the Fair Credit Reporting Act, old accounts that are more than 7years should be removed from a consumer credit report. I have closed accounts on my credit reposts that is 7-11years old, why??
Consumer complaint received 2022-03-08
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)

Since XXXX AND NOW XXXX Experian and XXXX have not disputed False information from my credit report. It claims it comes back as verified but thats inaccurate and they just got sued a few years ago for it. Experian isnt taking my dispute request serious and I have already started a class action lawsuit with the credit bureaus
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (TX)

Conns Home Plus Contacts Me Numerous Times A Day, Everyday, From Several Different Phone Numbers. I Was Late On A Payment, And They Have Been Harassing Me Non-Stop. Ive Spoken With The Customer Service Department And Asked That They Only Contact Me Via Email Or Mail ; And They Continue To Call Me Repeatedly Everyday, Several Times A Day.
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My TRANS UNION credit report is missing a credit card account. The credit card account is from XXXX XXXX XXXX  XXXX and was opened on XX/XX/XXXX. It is an active, open, current account in good standing, and I have never been late with payments to this account. I am the authorized user on this account and have been using this XXXX XXXX credit card throughout XX/XX/XXXX. It has a credit limit of {$7500.00}. The primary card holder is my girlfriend XXXX XXXX XXXX. I have notified TRANS  UNION in writing the full description of this account, and requested them to contact XXXX  XXXX XXXX XXXX so that they can verify that it is a valid account and therefore, it should be listed on my TRANS UNION credit report. I have also contacted XXXX XXXX XXXX XXXX to have them call TRANS UNION and tell TRANS UNION to start reporting this account on my credit report. Neither TRANS UNION, nor XXXX XXXX XXXX XXXX, have done anything to rectify this omission on my TRANS UNION credit report.
Consumer complaint received 2016-09-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (KS)

I am trying to remove midland funding from all XXXX credit reporting agencies because they have lack of debt validation proving this debt was mine. I hired a law firm to contact them and they still could not provide proper proof but refused to remove from credit.
Consumer complaint received 2022-03-08
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. (AZ)

As outlined further in the letter sent to XXXX XXXX Mortgage, a fault in the autopayment system of the company caused a reported delinquency in a mortgage payment for my primary residence. Upon explaining the background of the issue, contacting the credit bueraus, and attempting to work with XXXX to remedy the issue ( the account is always paid on time and is not delinquent to this day ), the company has refused to remedy the issue. XXXX is nonresponsive to any further requests or appeals and reiterates solely the a " payment was late '' while failing to recognize the cause of the late payment or the failure of XXXX to properly notify me as the consumer of the issue and how to remedy it. Regarldless of my continued logging in, at no point did the online portal show a delinquency and at all times displayed autopay as being active. I will need to continue the appeal process and move forward with litigation against the company in the event the continue to fail to respond. I would highly recommend against getting a mortgage with this provider.
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I closed my account back in XX/XX/2019 because Capital One was letting all these charges come thru on my account even tho I told them it was fraud. In XX/XX/2019 I receive a letter stating they applied the charges back on to my account and then let 3 additional charges come through on ny CLOSED account. I was on the phone with Capital one for 30 min and the lady ( XXXX ) tried to tell me they had proof from the company that I reported fraud on that I used the account. I told her I want this proof because I never approved these charges which is why I reported fraud in the first time. I also told her that if my account was closed in XXXX how did I get the same fraud charges again in XXXX? I asked for a manager and I was on hold for 30 minutes and nobody ever came to the phone. Im at my wits end! I did not do these charges and Capital one will not help me
Consumer complaint received 2018-08-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (WA)

On XX/XX/2018 I filed a dispute with Netspend in the amount of XXXX. I accidentally paid XXXX more than what I wanted to pay. Called merchant they didnt do anything. Called Netspend talked to them. Was told to file a dispute so I did. They emailed something to fill out. I told them I have no printer or any way printing anything out. They never sent me anything in the mail. They will not credit my account. Told me I have to wait until they update me on the XX/XX/XXXX.
Consumer complaint received 2018-08-03
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: On-Site Manager, Inc. (IN)

Applied for several rental properties on XX/XX/2018 and I was not made aware that a hard inquiry would be place on my credit report for applying. 

This particular company Leasingdesk not only placed a hard inquiry on my credit but initially gave me a bad rental history that I was denied and had to get additional information to prove it. 

Since they have sent emails to advised that their reporting was indeed in error. 

I applied for several rental properties and none gave me a hard inquiry or provided this inaccurate information.