davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. In this case MIDLAND CREDIT MANAGEMENT is attempting to collect as XXXX XXXX  XXXX These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Consumer complaint received 2018-04-10
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. (MA)

I was advised by my credit reporting company to get copies of my credit reports.

I requested 3 reports. It only showed my Experian report, but not the other 2 reporting companies.

I am unable to identify information that is on my report, ( lack of company names and identifiable information ).

I was unable to get through to XXXX XXXX XXXX.

Unable to speak to a customer service rep.

Unable to resolve.

There is no place on their website to request all three to be mailed, only print, the only one was Experian, NOT XXXX XXXX or XXXX.
Consumer complaint received 2019-03-21
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. (CA)

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case.

But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$530.00} 2.XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

On XX/XX/XXXX, I had my credit pulled when applying for a Mortgage with my Employer. Upon doing so, I find your Company is reporting on my CBR with regard to my sale of my home, the account number # XXXX. I am disputing the credit reporting and your company agreed to not reporting this back in XX/XX/XXXX. Please correct these errors as soon as possible. I appreciate your attention with this matter.
Consumer complaint received 2017-09-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (AR)

I HAD A LOAN THROUGH US BANK IN 2014, THE CAR TOTALED AND THE INSURANCE COMPANY PAID OFF THE LOAN. US BANK EVEN GAVE THE INSURANCE COMPANY THE TITLE OF THE CAR. I WAS TOLD THAT I HAD TO MAKE ANOTHER PAYMENT AFTER THE TITLE COMPANY PAID OFF THE LOAN-SO I DID FOR XXXX. I THOUGHT THIS WAS VERY WEIRD, BUT I HAD MISSED ANY PAYMENTS AND DID N'T WANT TO DAMAGE MY CREDIT. EVEN THOUGH THE INSURANCE COMPANY STATED THAT THEY GOT A PAID IN FULL LETTER FROM US BANK. NOW I SEE A CHARGE OFF ACCOUNT FOR XXXX ON MY CREDIT REPORT FROM US BANK, THEY ARE STATING THAT I SHOULD HAVE WRITTEN A CHECK FOR XXXX, AFTER THE INSURANCE COMPANY PAID OFF THE LOAN. BUT I CA N'T GET ANY DOCUMENTATION FROM US BANK AND THE CHARGE OFF DEPARTMENT IS STATING THAT I OWE IT " PLAIN AND SIMPLE ''. SOMETHING IS NOT RIGHT HERE.
Consumer complaint received 2022-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Figure Technologies, Inc (CA)

On XX/XX/2022, I applied for a personal loan on Figures website ( www.figure.com ). My application was submitted with a pre-approval offer code that I received via mail. My pre-approval was for {$33000.00}. After going through the underwriting process, my final and updated offer was for a lower amount. I accepted the lower amount and completed all the steps required for funding the loan ( i.e., employment verification, signing disclosures, confirmed account for funds disbursement, etc. ). 

However, when I called back on XX/XX/2022 and spoke with an agent to see if there was anything else that I needed to complete, I was told that since the name on my California Drivers License did not match the name I provided on the application. He advised this was a compliance issue and that I could not proceed with the current application. It is incredibly frustrating that I was not told this was an issue earlier in the loan application process. 

I asked the agent what could be done to correct the issue. He placed me on hold to confirm what could be done to correct the issue and continue with the application. After coming back on the line, he advised that we could cancel the current application and that I could reapply through the same online portal and be given the same rate and terms. ( This was not correct as I was given a different rate and terms when I reapplied on XX/XX/2022. ) He advised me that I would be able to update my name on the portal. ( This was not correct as I was not able to update my name. ) After I completed this additional application and saw the updated offer ( {$19000.00} loan amount, $ XXXX  monthly payment, and a higher interest rate 26.909 % ). 

When I received the different offer, I called Figure back ( on XX/XX/2022 ) and spoke with a XXXX, a supervisor. XXXX was unable to provide me a valid response as to why I was lied to about the re-application process and was not given the same rate and terms as the agent had promised. There was confirmation that the agent would be given the proper level of coaching to ensure this issue would not occur with other potential customers. The only option he provided was to either proceed with the updated loanwith the higher rate and termsor cancel the application altogether. When I asked about the potential option for re-opening the previous loan application, he told me that was not on the table since their underwriting is automated and could not be updated. 

Clearly, I am frustrated with Figure and their ability to provide me accurate information throughout the application process. The bait and switch tactic is something that I also do no appreciate.
Consumer complaint received 2021-11-20
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. (AZ)

I am XXXX XXXX and I am submitting this complaint by myself and there is no third party involved. 
I XXXX XXXX is a consumer, natural person and the original creditor and I know my rights. As a consumer I have the right to privacy and no third party has my permissible purpose to put anything on my consumer report. This is a violation/s Pursuant to FCRA 15 USC 1681a ( 4 ) and 15 USC 1692a XXXX By reporting any payment history and transactional history without my permissible purpose Equifax is found to have violated 15 USC 1681a ( 2 ) ( a ) ( i ). As a consumer, natural person and original creditor, I will exercise my rights and pursue ANY damages incurred for willful noncompliance and negligence on behalf of Equifax. Equifax does not have my permission to report any of my PRIVATE business from my creditors on my consumer report. Below are a list of accounts and inquiries I have in fact NOT given written consent to Equifax to furnish. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (AR)

My compliant is with Synchrony Bank. I was approved for a credit card in the store in approximately XX/XX/XXXX. While at the service desk in a Sam 's Club, I was renewing my membership when I was ask if I wanted to fill out for a credit card and recieve a discount on my purchase for doing so. I did, but the young lady never told me that the card was approved. While shopping in Sam 's Club on another ocassion, the register ask if i would be applying my purchase to the credit card, I did not know I had. So I contacted Synchrony Bank and verified the card, and they informed me that one had been sent out, but they would re-issue a new card ; the second card was once again not recieved. I contacted them a third time in XXXX, and the second card was going to be cancelled, and a new card issued. ( see email below ). I provided a new address that I requested it be sent too, still the card has not been recieved. I believe this issue with Synchrony needs to be address, because this is or can become fraudulent. Someone is interfering with customers recieving their credit cards after approval. Last 4 digit to card : XXXX, card # XXXX, card # XXXX ending in XXXX. 
Recieved XX/XX/XXXX Hi XXXX, Great news! Your Sam 's Club Credit Card is on its way. Look for it in your mailbox in the next 5-7 business days.

Here are your shipment details : Shipping Carrier : USPS Expected Delivery Date : XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2019-03-21
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. (NC)

On XX/XX/XXXX, my wife and I sent a letter to XXXX, XXXX, and Trans Union. In our letter, we disputed several accounts reporting inaccurate information. It was our understanding that the credit bureaus are required to investigate the disputed accounts, and respond back to us within thirty days. Thirty days have long passed, and so far, we have only received XXXX 's responses from XXXX  and Trans Union. The other four we should have received have not arrived yet.
Consumer complaint received 2018-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX My name is XXXX XXXX XXXX for some reason Transunion has me has XXXX XXXX XXXX so I don't know if this is thevreason I can not get my fico 8 Tansunion Score i paid for my scores Transunion is showing 4 accounts 1 inquire and no score on my XXXX credit card with free transunion score 8 it says XXXX score or score not available.
Consumer complaint received 2023-03-14
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. (PA)

I have tried numerous times resolving this illegal medical debt collection ( XXXX ) from dated XX/XX/2021 of {$700.00} by XXXX XXXX XXXX. Equifax and XXXX credit bureaus have aided XXXX XXXX XXXX in breaching the law and my patient privacy rights by violating the HIPAA Act. XXXX XXXX XXXX was provided my personal private and specific medical diagnosis and OTHER medical treatments as shown in the invoice given to them by my medical provider. In addition to this unwarranted breach of HIPPA law, XXXX XXXX XXXX  was provided my drivers license number illegally. XXXX XXXX XXXX has also NO permission to report medical collections to credit bureaus using my HIPAA protected information. THE ONLY INFORMATION THAT MEDICAL FACILITIES CAN SHARE WITH COLLECTORS BY LAW IS : Name Address Social security number Date of birth Payment history Location and name of treatment facility
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (IL)

Hello, there. I am a customer with Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I wanted to make a complaint regarding the repossession of the vehicle in question on XXXX XXXX. I have tried to make a payment on XX/XX/2022 on my account with Exeter Finance. They said that due to my account status that they can not accept an online payment at this time from me. This is the first time I have been not able to make a online payment, and this is after I expressed that I don't want them harassing me 4 times in one hours as they did before when they called me repeatedly US Code 1692d ( 5 ). I am willing to pay the bill and they still repossessed my vehicle, putting me in a bad situation and limiting my ability to make income for my family. 


They said that they sent a letter of collection activity in XXXX, but I told them that I never revived it. The representative then said that it's not his problem because they did what they were supposed to do. I want to complain because this goes against my rights as a consumer according to US Code 15 1681 ( a ) ( 1 ) ( A ) and because of the non disclosed subject regarding the finance charge in US Code 15 1638 ( a ) ( 4 ) .The biggest complaint I have is that I have tried to pay the bill online and they refused to accept it, then they had a towing company repossess my car. It's illegal and the remedy I am seeking is :
Consumer complaint received 2019-03-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (NY)

This is my second complaint submitted in which my first complaint was regarding my mortgage servicer reporting my account late in XX/XX/XXXX in which I have not received written response from the servicer regarding resolution and my account is still reported late for XXXX. This current complaint is in regards to my escrow. AFR is in violation of regulatory servicing requirements as an escrow analysis can only be done once every 12 months. AFR completed an escrow analysis and mailed me a statement dated XX/XX/XXXX for analysis period of XXXX in which there was an escrow shortage of XXXX and my payment would be increasing XX/XX/XXXX {XXXX}. I now recieved another escrow analysis dated XX/XX/XXXX in which they claim I now have a shortage of {XXXX} for an analysis period of XXXX. I called them today XX/XX/XXXX and got a very rude unhelpful representative whom couldnt and wouldnt answer why another analysis was completed and questioned if I requested the XXXX statement multiple times as I told her I dont call in I just pay my payment every month I did not request anything from them. She ended my call with muttering an email address to send a request for research my escrow issues. I had a loan modification in XXXX in which ever since then my escrow has a shortage. I believe my modification was done incorrectly which is causing these escrow shortages to occur. I want a written response from the company regarding both complaints and resolution. Its unfortunate that I have to submit complaints with the bureau to attempt to get resolution.
Consumer complaint received 2022-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TN)

My forbearance ended XX/XX/2022 and I applied for assistance with my mortgage company but was only approved for a short sale or deed in lieu which I denied. I learned from the local housing fund that my mortgage company can not require me to pay my forbearance balance in one lump sum which they are requesting. I was told by a representative from the mortgage company that I could get the loan current up to 90 days and then they would offer assistance but I can not do that. I was approved for a housing fund grant to pay arrears but the mortgage company is stating my home can go into foreclosure at any time. I have not received any foreclosure documents or information for assistance.
Consumer complaint received 2019-03-21
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: Bull City Financial Solutions, Inc (NC)

Last year i was noticed a company call BULL CITY FINANCIAL SOLUTIONS was on my credit report. I wrote a letter of validation of debt and was sent Certified mail on XX/XX/XXXX and was delivered at BULL CITY FINANCIAL SOLUTIONS on XX/XX/XXXX at XXXX XXXX   Delivered, Front Desk. I will attach letter below. 30 days later the information was taking off on credit report then put back on my credit report on XXXX. I sent proof to XXXX via mail and fax but still has not been taking of my credit report it is now XX/XX/XXXX. BULL CITY FINANCIAL SOLUTIONS has not provided me with original contract and security agreement and according to Fair Debt Collection Practices Act. XXXX have not done anything to resolve this simple task because i have done all the work for them. They have cause emotional stress and time lost when i have been trying to send them the documents for them to take the items off my credit report. I again faxed information to XXXX XX/XX/XXXX we will see if they do not receive the documents again!
Consumer complaint received 2022-05-04
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: PENTAGON FEDERAL CREDIT UNION (AZ)

I have an issue with PENFED Credit Union. This issue has been going on for over a year and I am getting the run around. Initially, I was alerted through XXXX XXXX of a charge by PENFED for {$10000.00} that I did not recognize. Then on XX/XX/XXXX, I received a call from PENFED Collections. XXXX, from PENFED, said that they were wanting to collect on an account that supposedly I had co-signed for. She asked if I knew a XXXX XXXX and if I was related. I know of no such person and I never co-signed for anyone. Then she gave me their Fraud Department number of XXXX. I let XXXX know the I have reported Fraud to PENFED, XXXX and the Police Department of the city of XXXX. 

On XX/XX/XXXX, I spoke to XXXX at PENFEDs Fraud department asking for the status on the case. He was of no help. 

On XX/XX/XXXX, I spoke to XXXX at PENFEDs Fraud department. She said that she was going to relay a message to XXXX XXXX, the Fraud investigator and ask him to call me. He never did. 

On XX/XX/XXXX, spoke to XXXX in the Fraud department. All she did was give me a PENFED Fraud department address of XXXX XXXX XXXX, XXXX, NE. I mailed at their request the affidavit of FRAUD and Forgery form ( XXXX ). I also attached the XXXX Police Report Form. Per their request, a copy of my photo for identification purposes. We I have not heard from them. 

On XX/XX/XXXX, I called the Fraud Department ( XXXX ) XXXX ext. XXXX. I spoke to XXXX. He put me on hold and reached out to another Fraud Department processor. Being that the next step is to correct the issue. I never received a letter of Fraud Corrections from PENFED. All that was re-sent were the same forms of the Affidavit of Fraud and Forgery to fill out. It had already been mailed to them on XX/XX/XXXX. 

On XX/XX/XXXX, I called and spoke to XXXX. She said she will escalate this matter in the Fraud Department for her Manager to resolve. XXXX said she noted that this issue has been going on for over 1 year and should have been resolved. 

To this date I have not heard from them through mail or via phone call. It appears that PENFED has bad communications within their own work departments. I am totally being ignored due to their negligence. I dont understand how PENFED approved a loan without confirmation from the supposedly borrower. 

PENFED is not forthcoming with how the loan was created. Whether it was an on-line approval or at a credit union facility. This has affected my credit ratings negatively. I was once rated over XXXX and now I slightly above XXXX due to this issue.
Consumer complaint received 2018-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MT)

I contacted XXXX Servicing to help them track my Public Service Loan Forgiveness, and was informed was informed that I should transfer my government loans from XXXX to XXXX. The transfer was recorded on XX/XX/XXXX. I uploaded the previous document payments made to XXXX to submit them for counting towards my PSLF payments. Over the next several months I checked the website and made several calls to customer service in regards to that they were not tracking my PSLF nor taking off the 73 qualifying previous payments from XXXX. All the calls I made took over an hour with no changes in my account. The reps would tell me that I needed to wait another 30 or 60 days for them to review my files. Then I started documenting calls. 
XX/XX/XXXX Spoke with XXXX agent number XXXX and was told that I had to request for them to take off the " pay it ahead '' status. I did, and XXXX told me to call back. 
XX/XX/XXXX I called back and asked to speak with a borrower serving advocate and was connected to XXXX agent number XXXX at extension XXXX. She told me not to worry and that after reviewing my previous payments that I everything would be " fine '' and I should call her back in 45 days and my account would be updated to reflect all of my payments were eligible for PSLF. 
XX/XX/XXXX Called and spoke with XXXX again and she told me she did not know why my account and would call me back in 2 days XX/XX/XXXX called XXXX back as she did not return my call. Left her a voice mail XX/XX/XXXX XXXX left me a VM reporting that she was still working on the case and that she would call me in a few days. 
XX/XX/XXXX XXXX left me a voicemail ensuring me that she was making progress on my case and that she would call me on XX/XX/XXXX if not sooner.