davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-07
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. (CA)

I notice an account from XXXX XXXX XXXX  that wasnt opened by me, affecting my credit score as the status of the account is now charged off. I want it off of my credit report because I didnt open the account myself and it is affecting my ability to apply for an FHA home loan during these tragic times.
Consumer complaint received 2022-01-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Data Mortgage Inc. (WA)

This is my second complaint to the CFPB. Yesterday I was told and assured by Essex Mortgage company my issue ( s ) were resolved, today I come to find out they were not even close to being resolved so that we could close on our refinance loan. Our XX/XX/XXXX property taxes were neglected to be paid by Essex Mortgage. Stated yesterday XX/XX/XXXX that the property taxes were paid in full including all taxes and fees in the amount of {$4900.00} to the XXXX XXXX XXXX XXXX on Friday XX/XX/XXXX. XXXX XXXX with Essex could not provide an actual receipt but provided us and our lender an email receipt so that we could close our refinance loan. This morning I received a phone call from our lender stating the county has NOT received our property tax payment and in fact the second half payment Essex attempted to pay back on XX/XX/XXXX through XXXX was not able to be applied to our account because the first half of XXXX property taxes were not paid in XXXX of XXXX. XXXX XXXX sent correspondence to Essex through XXXX and they completely disregarded it. This is maddening to me to learn that the county tried to help me and my own mortgage lend once again had complete disregard for their customer. This shows the entire situation could have been resolved BEFORE we ever began the refinance process back on XX/XX/XXXX. So here we are a day closer to the end of the month of XXXX, another day wasted in our ability to close our refinance all because Essex Mortgage has been deceptive once again and not done what theyve said they had done in paying our property taxes to current IMMEDIATELY in the amount of {$4900.00}. It seems like the only way I am able to get any return of communication with Essex is to submit a claim thru the CFPB which is pathetic a complaint has to go through the government before a company will even respond or act on an error they have created.
Consumer complaint received 2022-01-13
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. (TX)

XX/XX/2021 Certified Affidavit Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax and XXXX  on 4 separate occasions with no response or removal. This is direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.
Consumer complaint received 2016-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I just received a 'notice ' from Seterus stating, " Thank you for your recent request for assistance ..., while your request was carefully considered, your loan could not be approved ... ''. I would simply like any sort of proof that I ever asked for any sort of such assistance from Seterus. I have asked to provide information and validation and authorization that Seterus is the servicer of my loan, and those many requests are well documented but after approximately 6 months, Seterus still has not provided anything legitimate or legal but yet continues to harass me.
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I did not have money at the time, I asked the representatives for extended payment plan during XXXX XXXX 3 of my credit cards went to debt collect, and we were in a pandemic, since then we did not have any resource of income or what so ever now I have 3 credit card in debt collection wont remove from my credit report stuck, and my XXXX XXXX went down all the way from XXXX to XXXX!
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX have agreed to delete their account from my credit back in XXXX 2021. Please see the attachment OR see the results to my previous claim with the CFPB. Experian is the ONLY bureau to not have updated this information yet. Experian needs to delete XXXX from my credit reporting asap! I have attached a copy of my Experian report as proof as well.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

Dear Sir/Madam, I had two mortgages with XXXX XXXX since XX/XX/2021. I had set up the automatic payments on XXXX XXXX  online portal. The payments were always on time to pay monthly. But at the end XX/XX/2021, I found out that in my checking account there were no transactions for mortgage payments in the last few months. So I called XXXX XXXX  and was told my two mortgages had been sold to Suntrust Banks in XX/XX/2021. 
So I called Suntrust Banks and made the missed payments on the same day when I found out the mortgage sale. When I made the payments, I asked the Suntrust representative if these late payments would be reflected on my credit reports. I was told that it should not be since I have made the payments, but if anything showed up on my credit reports I could file a dispute with Suntrust and Suntrust can help me to resolve it. So I filed a dispute anyway to avoid any negative impact on my credit, but recently Suntrust denied my dispute. I felt it was so unfair to me because I had never seen any notices about the sale of my mortgages. Suntrust told me they mailed me and even called me and left a voice message about the sale of my mortgages, but I have never received such a message from Suntrust. In the past 15 years I have never been late on any credit card payments and any mortgage payments. My credit score was always excellent, but now since the several late payments were reported on my credit report, they hurt my credit very badly. Both Previous mortgage company and Suntrust banks have all of my contact information ( including my email, mobile phone ), I am questioning if they did their best diligence to inform me about the sale to avoid late payments. 
I have paid the late payment fees because I indeed was late for a few payments. I am ok with that fees, but all I asked from Suntrust is an one-time courtesy removal of my late payments from my credit reports since I was not aware of the mortgage sales until XX/XX/2021. 
I was very stressed by how the COVID-19 impacted our life and am looking for a reasonable solution to my case from CFPB or Suntrust banks XXXX 
Thank you so much!
Consumer complaint received 2022-01-25
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. (AR)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (TX)

PNC Offered and advertised a new account bonus of {$300.00} for {$5000.00} in deposits. Deposits were met and numerous customer service individuals assured bonus would be paid within 90 days. Contacted PNC now 100 days later and the bank has noted that I was previous customer so ineligible. However, I was a XXXX customer BEFORE the merger of the two companies and opened the PNC account BEFORE the merger. PNC is refusing to pay bonus in contravention of their own agreement and advertising.
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (TN)

I thought about moving mine and my husband 's cell service to XXXX XXXX XXXX. I conducted this online at XXXX. We ordered phones, and the phones came in and then we decided that this move was not saving the money that we thought it would. 

We returned the phones, without ever using them or putting the sim card in them at all. I called XXXX and told them that we wanted to return the phones and not be hooked up to their service. They emailed me the return label for the return of the phones and we mailed them back to them. They are not trying to collect the phones, but they are trying to collect for service that we never turned on or used. I talked several, several times to representatives with XXXX and they " understood our frustration '' and " yes I see in our notes that you returned the phones and didn't use our service '' and " we will take care of this '' and " yes we see that you do not owe money for our service '' and " we will escalate the situation to management ''. Hours and hours were spent holding on the phone to talk to these representatives that said they would take care of this situation.
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

My wife called ERC Monday on XXXX.17 in order to get information about a a debt reporting on my credit report. She explained that the equipment was stolen and asked for contact person and phone number directly to XXXX XXXX XXXX, so that we could call them and resolve this matter. She spoke with XXXX XXXX, he refused to give her any information to contact the creditor. He just kept trying to get us to settle. What she tried to explain to him was we should n't be paying for equipment that was stolen, she did n't think it would be such an issue to get information so that we could figure out what exactly is going on with this account. Being that equipment was stolen, I do not understand how ERC is trying to collect on stolen equipment. XXXX stated that we could pay settlement or that he would open a dispute with XXXX. However, I have no paper trail or confirmation that this is actually happening which cause grave concerns for me. She asked him how long would the dispute take with XXXX, his response was I am not sure. They can take as long as they need to respond to dispute.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (OH)

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my DL for proof of ID Please update my address to XXXX XXXX XXXX, XXXX OH XXXX
Consumer complaint received 2023-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

The Account names are in the attached documents
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management had been deliberately and with malicious attacks against me and my credit report. This is the second filing against them on the past two weeks. They still haven't stopped their first set.of offenses but now they have retaliated and committed privacy invasion and reported a new address to XXXX  that has my address in North Carolina! I live in Texas and never lived nor been in North Carolina ever. Midland Credit Management knows all too well my correct address but since my first reporting to CFPB and XXXX  they have demonstrated more havoc. I am asking that CFPB please escalate this matter on my behalf as this company has already committed acts.against me legally and federally by exposing my credit and personal information to the wrong address as well as invasion of my privacy with the privacy act laws and also harassment and discrimination as well as ADA compliance of the Americans with Disabilities Act. This company needs to be stopped now. This is getting out of hand.
Consumer complaint received 2019-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (GA)

I received a call from my insurance company on XX/XX/XXXX stating that they did not receive payment from the XXXX XXXX ( Stearns Loancare ) and my insurance was canceled. 
My funds ARE in Escrow and the XXXX has all my insurance information including policy number and payment due date. ( as seen on my account when I sign in ). 
My insurance company called and was told by multiple people that my loan was in the process of being sold and they are refusing to pay the insurance premium at this time. 
It took me several calls ( I was transferred to a supervisor who never picked up, told they didnt have my insurance info-which they did, and promised to call me back on XX/XX/XXXX which never happened ). 
The last rep I spoke with, XXXX, stated my loan was NOT being sold and that this was an error on XXXX side. She conferences in another rep in the insurance department who stated this will take at least 5 days to request payment and IF approved another 2 days to cut the check and then mail. I was looking at a minimum of 2 weeks with no insurance. 
I ended up having to pay out of pocket for 3 months of insurance so I would be covered. 
This is illegal for them to hold my money and cause the stress and financial hardship of having to come up with extra funds when they have my money!!!
Consumer complaint received 2022-09-07
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Foris DAX, Inc. (MN)

I PUT {$6500.00} USD ON A XXXX  DEBIT CARD THROUGH CRYPTO.COM. THE DEBIT CARD DIDN'T WORK SO THEY CANCELED IT AND ISSUED ME ANOTHER CARD. IN THE PROCESS THEY LOST MY {$6500.00} AFTER SEVERAL ATTEMPTS TO CONTACT THEM IN 30 DAYS, I CAN NOT GET A RESPONSE FROM THEM. I WAS GOING TO USE THIS MONEY FOR MY WEDDING AND CHILDREN. NOW I HAVE NOTHING FOR MY WEDDING AND CHILDREN AND WANT COMPENSATION PLUS MY MONEY AND STAKED REWARDS BACK. THIS COMPANY TOOK {$6500.00} USD FROM ME AND REFUSES TO FIX OR DISCUSS THE ISSUE.
Consumer complaint received 2015-04-28
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings (OR)

Rapid Cash on XXXX XXXX XXXX and XXXX in XXXX, OR is where I have taken out many payday loans. I got to the point where I could not pay and I had XXXX out for {$330.00} = {$670.00}. I called ahead of time to make payment arrangements and they refused to work with me. I was told that the transaction would have to go to my bank and once returned would then make pymt arrangements. I had stop payments put on my account beings I knew I would not have the money. The payment was stopped on XXXX but not the other beings they ran the payment as a different name.If a customer wants to make arrangements why would they want to cause all these fees for someone that wanted to pay but needed to make payments does not seem right
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

RE : Bank of America. There is no online way to close the account. I wasnt able to close the account when I wished nor had time to wait on hold. They forced me to call to cancel and by that time another month of service fees was added to my account which brought it into negative balance. The customer service rep said they could not close the account with a negative balance.
Consumer complaint received 2022-01-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (IN)

I opened a line of credit on XX/XX/XXXX. I took out a few advances, and have set up auto pay at beginning of line of credit. 
When I took advances off the line of credit, they took some money off out of the money I borrowed at beginning, and than they also charge money per each billing statement, which is twice a month, I am making payments in between pay dates, and they are not applying them to my principal, and taking almost 80 percent toward fees, and than postponing the extra payments for days, so the balance isn't decreased before the next statement date, however the money is deducted from my bank account the next day, and there computer system leaves it in pending so they can get more fees, I have also called and tried to get a manager on the phone and was refused and said I have to wait 24 to 48 hours, I also tried to make a full principal payment over the phone and my payment was denied, because they said they can't promise me the whole amount would go to principal payment, and my payment isn't due until XX/XX/XXXX, I had alresdy made a XXXX  dollar extra payment, and they took fees from that also, and my payment was set up on auto pay, for the fees, so I told them all my extra payments I want directly to principal, and they refuse to fix it. Its only XX/XX/XXXX and I already paid XXXX  dollars in fees, out of my extra payments. They are scamming people out of 100s of thousands of dollars, they try to hold off on putting payments through until after the statement for next billing cycle because the balance at billing cycle is what the fees are based on.
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (MA)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, Dept of EducationXXXX account number XXXX and XXXX, XXXX XXXXXXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXXXXXX account number XXXX and XXXX, and XXXX XXXXXXXX account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.