davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ACIMA CREDIT, LLC (MO)

I have asked the company ACIMA to stop calling me because I do not work at this time and dont have any income coming in. They keep calling everyday after I asked numerous times to please stop. It is becoming very frustrating.
Consumer complaint received 2020-09-24
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: Bread Financial Holdings, Inc. (CT)

On XX/XX/2020 I received a bill from Comenity Capital BankXXXX XXXX  credit card. Showing an opened credit card for credit limit of {$1500.00} and balance owed of {$1300.00}. I never opened this account nor did I purchase or receive any merchandise from XXXX stores. 
XX/XX/2020 Case # XXXX. I submitted a dispute through my XXXX credit report. I do not know how anyone can open an account with my name. I tried to find a contact number to reach the bank but none was found. I do not even have the complete card number to even talk with the bank. Therefore they want me to provide my social security number and I refused to give it out since this account is fraudulent. 
On XXXX/XXXX/3020 XXXX credit reported that my dispute was closed and complete. They stated that the information was accurate. 
Im unemployed and my husband is a retired XXXX and receiveds XXXX  XXXX  XXXX  income. We live on a fixed income. I do not know how this account was opened and I certainly never purchased {$1300.00} worth of merchandise. I can not afford to pay this bill since it is not mine. I do not know what else to do. I do not want my excellent credit rating to be effected by this fraudulent account.
Consumer complaint received 2019-01-07
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

On XX/XX/2018 I reported a case with COMPLAINT id # : XXXX-XXXX and XXXX-XXXX. 

I have already made payment of {$270.00} to XXXX XXXX , XXXX XXXX on XX/XX/2018 on behalf of XXXX XXXX Hospital in XXXX Texas and XXXX XXXX Hospital is aware of it. 

Though the payment I made was not refunded back to me but immediately after that payment I started receiving another mail from XXXX ( XXXX XXXX XXXX ) XXXX. XXXX  XXXX, XXXX, OH XXXX asking me to pay {$240.00} for same purpose ( for visiting XXXX XXXX Hospital in XXXX Texas ). 

I called XXXX XXXX Hospital in XXXX Texas today and they told me my account is {$0.00} balance because I settle last 2 months. I later call the XXXX XXXX XXXX and they insisted I must pay the {$240.00} and when I tried to explain to her, she will only say your case will be reported to credit bureau. 

The Reference number they gave me in the mail is : XXXX and pin : XXXX and amount is {$240.00}. I am not owing XXXX XXXX Hospital in XXXX and XXXX XXXX XXXX need to delete my  information from their database. Thanks for your usual support.
Consumer complaint received 2019-03-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Integrity Funding Ohio, LLC (CA)

Received a call on my phone on XX/XX/XXXX, saying that I owed money from a loan that was granted to me XXXX, XXXX. The caller XXXX XXXX stayed her records showed that I received a loan from first financiaXXXX. I told her I have no recollection of this. And requested her to give me the the name of the company and it information. She gave me an address, I lived at 9 years ago. Then stated I gave my Banking information for electronic draft and there was insufficient funds. I asked for a copy of the transactions but was told that it was passed the collection period and in the hands of the Attorney and if I didnt pay {$1500.00} dollars I will be reported to the state for check fraud. After I told her I can not recalled this and wanted to get verification that someone didnt use my personal information. She gave me my full social security and the last 4 number of the checking account, I allegedly gave. But still was not able to tell me what company issued the loan. I went to my bank they informed me that checking account was closed in XXXX. According to the caller I obtained this loan in XXXX and they couldnt collect the money due to insufficient funds. They also gave me my husband name and said I used him as a reference. I told her I can not remember any such transaction, but I owed money that wasnt collected I would pay after clarifying the information. She said she will give me one more day to come up with the money. This person had all my personal and banking information. I believe this is a scam because she went from XXXX to XXXX. She was calling from XXXX and she stated she works for XXXX XXXX XXXX in XXXX XXXX and the firm was representing their client first Financial.
Consumer complaint received 2019-01-05
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. (CA)

Dear CFPB, I just reviewed my credit report on XXXX XXXX and found that there is an unknown hard inquiry made on XX/XX/2018 which I did not authorize. 

Please resolve this issue. 

Thank you for your help in advance.
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2022-08-27
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. (GA)

I'm not sure how it's confusing to you what has been requested. I have sent numerous letters to you reg mail and certified. I have filed multiple CFPB complaints you continue to close STILL violating the law. You have failed to validate the accounts you are falsely reporting. On every request I have asked for validation as well as how the accounts were verified who you spoke with and the method the accounts were verified. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit applications.Transunion has done nothing only stall. For your review the complaints sent to Transunion are XXXX, XXXX XXXX. There are attachments submitted with each complaint. To be clear the accounts I have continued to contact Transunion about are XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law.his account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I requested the deletion of the bogus accounts listed. Due to your lack of validation and false reporting, you have failed to follow FCRA regulations and my request for verification. You have failed to provide valid verification on which the other 2 bureaus have found to be inaccurate.Please note I intend to seek damages if this isn't resolved in a timely manner. I have contacted Transunion for months and they have continued to violate the law, my rights, my ability to lease a home, interest rates, costing me time, money and frustration. Transunion 's reporting is falsely representing me as a person.I have filed a complaint with the BBB and my state 's attorney general. This has negatively impacted me long enough I do not want my information sold or be seen as a $ XXXX I am requesting that the CFPB IMMEDIATELY REMOVE THESE INACCURATE ACCOUNTS.
Consumer complaint received 2019-01-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (GA)

Borrowed {$300.00} from XXXX. Set up payments for {$56.00} bi weekly. First payment started XX/XX/XXXX ans last payment is scheduled for XX/XX/XXXX. I am a resident in Georgia which I thought was a state that prohibited payday loans. So I should not have been distributed this loan or the interest should be capped at a certain amount. I dont feel like I should be responsible for this balance. I never received a copy of terms of loans besides the payment schedule
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (OH)

I had trouble getting this company to understand my hardship. I was in XXXX  for a period of time for a crime  that I did not commit. I attempted to negotiate before the account closed due to my absence, but they would not work with me and eventually it closed with negative debt. When I did get my legal situation sorted out, I was let go. Now, I have been working to get my vital credit accounts back in great standing to keep my credit alive and well. They have told me on several attempts that its their decision to close accounts for any reason. All I ask is that American Express work with me and open my account again while I pay the debt down to XXXX over a period of 5 months. Thats definitely negotiable in my eyes considering I have stable income.
Consumer complaint received 2022-08-27
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)

This is XXXX XXXX submitting yet another CFPB complaint to you today to request the complete removal of the unauthorized inquiries from my Credit Report. I previously sent a letter addressed to the Credit Bureaus on XX/XX/XXXX. I appreciate the removal of some of the disputed inquiries from my Credit File but I see here that there are still unauthorized inquiries reported on my Credit File. Once again, I am a victim of identity theft and the disputed inquiries were the result of such crime. Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the remaining unauthorized inquiries completely from my Credit Report : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (IL)

On XX/XX/2018 I became aware that my Identity was being used to open and attain credit card accounts through the " XXXX '' service. 
On XX/XX/2018 I went to a post office explaining that I was a victim of identity theft and I needed to change my address. With I.D . in hand I handed over the appropriate address change card. 
A result of my change of address was the suspect was notified by procedure via the mail that I was changing my address. XXXX XXXX XXXX then changed my address when the USPS sent notification to the address, she is residing in. Potentially receiving mail sent to me on disputes. 
XX/XX/2018 Filed an Identity Theft with the FTC and have report # XXXX On XX/XX/2018 I was told of the fraudulent address change by the USPS that occurred XX/XX/2018, and that is where my mail has been going. 
On XX/XX/2018 I was in contact with the Postal Inspection Service, received my first case number from them, I have multiple case numbers now, XXXX, XXXX, and Reference # XXXX. 
XX/XX/2018 My USPS agent requested additional monies from me ( {$10.00} ) for a package that had an address on XXXX XXXX XXXX. that had been forwarded from the XXXX XXXX XXXX. He also had a letter that was addressed to me at a XXXX XXXX in XXXX that had been forwarded in the same manner. 
The package and the letter were from XXXX XXXX, something I had no knowledge of prior. Inside the package was a customer Order Summary which said {$660.00} was being billed to me, the order date was XX/XX/2018, I had completed a Credit Freeze and Fraud Alert on XX/XX/2018 with XXXX, XXXX and XXXX. 
XX/XX/2018 I called XXXX XXXX at XXXX, spoke to XXXX ( XXXX ) in Loss Prevention. XXXX said there was not a credit freeze when the order was taken, and six of the products had been delivered in two boxes, with XXXX  dropping them off at the XXXX XXXX XXXX, and the mail carrier had delivered them to XXXX XXXX XXXX. 
During that call I informed them that my identity had been stolen, and the account is a fraud. I did not apply for the card/account, they have a fraudulent application in my name. I gave my name and personnel information, notified of my actual address and a phone number so that I could be reached in the future. 
That call was at XXXX for 40 Minutes.
Consumer complaint received 2022-04-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (KY)

I submitted my lease buyout on XX/XX/2022 and confirmed this been completed successfully over the phone on XX/XX/2022. I waited the five business days as instructed for my title to be released. When I called in today on XX/XX/2022, six business days after pay off, I was told the process for the title being released had not been started yet. They stated they would start this process and now it would take XXXX business days for the title to be released. 

I have paid {$12000.00} to buy out my vehicle and Im unable to demonstrate ownership of this expensive possession due to the inability for the leasing company to provide my title in a timely manner. I am just a regular consumer who is has had to float {$12000.00} of my personal money.
Consumer complaint received 2020-09-24
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. (GA)

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. Equifax is reporting an incorrect spelling of my last name XXXX is incorrect. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX, XXXX  and Equifax are reporting late payments XXXX through XX/XX/2019, XXXX is reporting my payment status as " Late 30 days '' but does not specify when the alleged late payments were made, XXXX XXXX is reporting my payment status " Late 120 days '' for XXXX  and Equifax and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made, USDOE/XXXX  is reporting my payment status " Late 120 days '' for XXXX  and Equifax and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX, I filed a complaint with the CFPB case # XXXX concerning fraudulent charges to my XXXX XXXX XXXX card When I pulled a copy of my XXXX and XXXX  Credit reports on XX/XX/XXXX, My best buy balance reported as {$1900.00}, with DATE REPORTED : XX/XX/XXXX But then incredibly and in response to my XX/XX/XXXX complaint of fraudulent charges, XXXX deliberately updated my balance MID-CYCLE to {$6800.00} on XX/XX/XXXX to reflect all the disputed fraud charges. There are only two ways to interpret this. Either XXXX recklessly posted the balance in error or XXXX retaliated to harm me and my family by deliberately posting inaccurate information. My credit score dropped another 16 pts as a result of XXXX actions, my closing for the {$600000.00} mortgage had to be cancelled. With a deadline of XX/XX/XXXX to close or lose my deposit, unless XXXX, XXXX and Equifax update this account to reflect the correct balance of {$1900.00}. I will be suffering more financial harm. 

Facts to support my claim : In a letter dated XX/XX/XXXX, XXXX admits they have not completed their investigation. Proving XXXX deliberately furnished inaccurate information in violation on every dispute regulated policy of the FCRA and State of Michigan laws. ( see attached letter dated XX/XX/XXXX ) this letter is also included in XXXX response to my CFPB case # XXXX ***I am requesting XXXX, Equifax and XXXX  to trigger the EXPEDITED DISPUTE RESOLUTION PROCESS and immediately update the balance of this account back to {$1900.00}. 
With the letter from XXXX admitting the current balance attached and also posted with the CFPB case # XXXX. If this doesnt qualify for an EXPEDITED DISPUTE RESOLUTION, what does? 

Attached : -Unredacted letter from XXXX dated XX/XX/XXXX -Copy of letter from XXXX dated XX/XX/XXXX w/highlights - XX/XX/XXXX Copy of XXXX  report for XXXX account # XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter - XX/XX/XXXX Copy of XXXX report for XXXX account # XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter Balance reported {$1700.00} - XX/XX/XXXX Copy of XXXX report for XXXX account # XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; balance reported {$1900.00} - XX/XX/XXXX Copy of XXXX   report for XXXX account # XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; Balance reported {$6800.00}
Consumer complaint received 2019-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (CA)

I applied for a wells fargo credit card on XX/XX/XXXX in the branch and I was immediatly approved for a business card. I planned on making two very large purchases this week for XXXX and XXXX respectively on the card so that I could get their sign up offer of XXXX $ rebate afyer spending XXXX. 

Wells fargo shipped the credit card to my old address on file rather than the address I gave them during my application. They actually sent my debit card to the correct address they just mailed all of the credit card stuff to the wrong address. 

What makes this even more frustrating is that they also activated the card for me somehow without it being in my posession. So the 90 day clock to spend XXXX has already started ticking since the card has been activated without me even putting my hands on it. 

This is negligent. I only gave them one address when I applied for the card, and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. They sent the debit card to this address, then sent everything else tl XXXX  XXXX.
Consumer complaint received 2020-09-24
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. (MA)

The account credit balance of my XXXX XXXX account was not being reported correctly in my credit report after I paid the balance down sigificantly. The payment should have had a positive effect on my credit score. I submitted a dispute with Transunion. but my credit score went down 19 points from a good to an average score. My XXXX  score also went down whereas my XXXX  score went up as was expected. Upon completion of the dispute investigation the balance information was corrected The credit bureau has not provided any explanation in my report for the negative change. This activity has had an adverse impact on my financial condition.I have submitted another dispute but I am now unable to add a consumer statement to my file while the dispute is in progress.Not sure why this is.
Consumer complaint received 2020-09-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hello, This is a follow-up to the previous complaint as I have asked the lender multiple times to address the breakdown of line item charges as they do not seem to be accurate and the property has been sold already yet this lender is still working on a response for these line item charges listed on the Payoff statement. This just does not make sense as the Customer Service is incompetent and can not tell where these numbers were derived from which are obvious overages for fees/charges in spite of the fact that I have requested this information numerous times in the past still no resolution to it.. 

This lender has ignored requests to reply in time and has basically gotten free money from the Payoff of the loan. 

Does CFPB even do anything as the lender can just make up numbers when it comes time to Payoff as unfortunately, the house sale did not need to be delayed yet this lender has bogus charges on the Payoff statement that Escrow will not question? 

There needs to be some type of investigation as I do not believe these line item charges to be accurate.