davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-29
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)

XXXX XXXX is the worst business ever. 
they put negative information about my account, that i am late 30 days i wasn't aware of the information. and i did a mistake for not noticing but they failed to inform me that there will be any negative on my report, they failed to contact me, through email, phone or mail this is my rights under FCRA, SCRA, i am XXXX XXXX XXXX " XXXXonsumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. '' and " You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. " they say they try to contact me many times, which never happen and they refuse to show me any email or mail letter to confirm they reached me or even phone log, i only received one letter to tell me i have negative payment going to the report i asked to show anything to verify they reached me personally, they refuse.

my only problem, is their own collection department : -do n't care that i am SCRA -refuse to show that their information is verified -add more information without my consent on my report ( 30 days late, and note that i didn't like their investigation ) -delayed my process -never answer question -refuse to understand that sometimes accidents happen -acting like their system is 100 % error proof and no way that accident happen and i wasn't informed -refuse to work with any negotiation -refuse to minimize damage -failed to inform me with any issues so what is their job exactly?
Consumer complaint received 2018-08-29
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. (MD)

XXXX XXXX is the worst business ever. 
they put negative information about my account, that i am late 30 days i wasn't aware of the information. and i did a mistake for not noticing but they failed to inform me that there will be any negative on my report, they failed to contact me, through email, phone or mail this is my rights under FCRA, SCRA, i am XXXX XXXX XXXX " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. '' and " You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. " they say they try to contact me many times, which never happen and they refuse to show me any email or mail letter to confirm they reached me or even phone log, i only received one letter to tell me i have negative payment going to the report i asked to show anything to verify they reached me personally, they refuse. 

my only problem, is their own collection department : -do n't care that i am SCRA -refuse to show that their information is verified -add more information without my consent on my report ( 30 days late, and note that i didn't like their investigation ) -delayed my process -never answer question -refuse to understand that sometimes accidents happen -acting like their system is 100 % error proof and no way that accident happen and i wasn't informed -refuse to work with any negotiation -refuse to minimize damage -failed to inform me with any issues so what is their job exactly?
Consumer complaint received 2018-08-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hewitt-Capital (CO)

XXXX XXXX calls back to back XXXX XXXX calls back to back XX/XX/XXXX XXXX calls back to back XX/XX/XXXX called reference and told reference that I have an outstanding balance and they were lookin to serve me at my job. 
XX/XX/XXXX XXXX calls back to back When I answered the call XXXX stated I was behind and a previous payment didn't process. He never gave me a mini miranda nor did he verify if he was speaking with me. I then then asked if he knew that it's considered harassment to call my phone back to back. He goes to say, ma'am you owe an amount to XXXX XXXX XXXX if you don't want to be contacted we'll have to send the state to your job. Then he hung up the phone. I called back and he answered and said have two forms of ID when we visit place of employment and hung up.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

This company is the WORST I have ever experienced. 

They STILL after 8 months have not been able to identify the problem with logging in with my account to make it easier on my life. 

I have wasted HOURS of my time and STILL NO RESULTS. 

No one has sent me any information. No one has reached out to me. All they have done is wanted their money. 

Customer service rating ZERO out of 100.
Consumer complaint received 2022-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The Credit Bureaus never did a proper " investigation '' according to the FRCA. 

The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is accquainted or who may have knowledge concerning any items of information. 

They did not do this. 

Also. they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is in inaccurate, the date of last active is inaccurate, and date last reported is not accurate. This grounds for removal,
Consumer complaint received 2018-08-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (CA)

I had signed up for a small loan with the comapny Money Lion early XX/XX/2018. The loan was for {$600.00} to be paid in weekly installments of approximately {$24.00} at 5.99 % interest. It wasn't clearly explained that I would also be signing up for their membership with a fee of approximately $ XXXX/week as well. 

I paid the loan off and the weekly membership fees late XX/XX/2018. I request that my account be closed since the loan was paid off and I could not afford weekly fees. I was not sure what use the fees were, but I was desperate and needed the {$600.00} for rent. On XX/XX/2018 I called to close the account. The rep on the phone said she would try to run an ACH payment but it wouldn't clear and I could not close the account with pending transactions The company takes 3-5 business for ach payments and I would have to call in exactly after the transaction cleared from the prior week but before the following payment went into queue. I asked if I could pay with a debit card the next morning if that would be faster. She said if I called first thing ( XXXX pacific ) then I could pay and close the account. 

I called at XXXX on XX/XX/2018 and was told I couldn't process my debit payment because the ACH payment was already charged. She also explained that there were two more payments on my account that would have to be paid before it could be closed. I called back at XXXX to explain that I got a notification that my payment had cleared from the prior week and to see if I could process the payment and close the account. The representative said they had to escalate the issue up and said they would try to cancel the payment. No word back on the status while the payment is still pending. 

Because I was unsure of all the payments being processed I called my bank to put a stop payment earl this morning ( XX/XX/2018 ) on all fees being charge from this company. I am in process of sending a letter to the office address to state in writing that I want my automatic payments to stop and to cancel my account. 

I am a survivor of a XXXX XXXX and suffer from XXXX. I can not handle the stress of this company their lending practices. I feel victimized by their methods to never get out of paying almost {$130.00} a month for a service that offers no benefit, after then loan has been paid off.
Consumer complaint received 2019-05-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Recovery Solutions (AZ)

On XX/XX/2019 at XXXX we received an automated call from XXXX XXXX XXXX ( XXXX ) asking for XXXX XXXX and to have her call XXXX and reference case # XXXX. After pressing XXXX we were connected with an operator who refused to remove our number and threatened to " call our corporate number ''. After numerous requests to remove our number he decided to hang up
Consumer complaint received 2019-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I have a Mortgage Loan on my PRIMARY RESIDENCE. It is XXXX XXXX. It was initially serviced by XXXX  XXXX XXXX, then NationStar and now by Mr.Cooper ( Mortgage Statement Attached ). I had applied for a HAMP Loan Modification in XX/XX/XXXX. Successively, both XXXX and NationStar messed up my Loan Mod files and even missed accounting for 1 Trial Period payment. 

Be that as it may, now I am trying to refinance the Loan and pay Mr.Cooper off. I am attaching the Loan Commitment Letter for my Refinance ( as also the Pay Off Letter from the Attorneys of Mr.Cooper ) and am about to close and Pay off Mr.Cooper. I  sent the same to Mr.Cooper and their Attorneys also and am in the process of clearing some Title Issues with the new Lender. 

However, the property is scheduled to be auctioned on XX/XX/XXXX - in 8 days time. It is my Primary home and I do not want to lose it. 

To give me enough breathing time, I have requested both Mr.Cooper and their Attorneys to postpone the sale till the month end at least but both of them are very adamant and not agreeing to postpone the sale.
Consumer complaint received 2023-03-29
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. (WI)

Ive been disputing inaccurate/ wrong/ error information that is being reported on my TransUnion Credit Report. 

On XX/XX/2023, XXXX Responded to my complaint/ dispute that I submitted through CFPB portal for the same reasons. Upon completion of XXXX investigation into the matter, XXXX responded that they found that the accounts were inaccurate and or did not belong to me and had deleted several accounts and updated my personal information. 
I am asking TransUnion to do the same so that all three bureaus are reporting the same accurate and true information. 

I want TransUnion to take note of what XXXX has done upon completion of their investigation and I hope TranUnion can follow with updating my credit profile so it is reflecting true and accurate information. Currently it is WRONG. The information they are furnishing on my report is WRONG and is hurting my negatively. I have the right to have accurate and true information. I have the right to dispute inaccurate and wrong information. Again XXXX did a complete investigation and responded that they deleted the accounts I disputed and updated my personal info. Im asking TransUnion to do the same!
Consumer complaint received 2022-07-09
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: Global Lending Services LLC (OH)

In Accordance with the Fair Reporting act XXXX Account, has violated my rights. 

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
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (IL)

I paid past due account with Midland Credit Management who then promised to delete the account from my 3 credit reports. 

They have not deleted the account. 

They haven't even marked the account as paid.
Consumer complaint received 2018-08-29
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)

XXXX, XXXX and Experian are continuing to report incorrect information on my credit report. 

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. 

I sent 3 letters to the creditor. I received one response stating they are not obligated to give me any information or validate their claim. 

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived
Consumer complaint received 2018-08-29
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. (PA)

XXXX, Equifax and XXXX are continuing to report incorrect information on my credit report. 

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account.

I sent 3 letters to the creditor. I received one response stating they are not obligated to give me any information or validate their claim.

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived
Consumer complaint received 2019-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

A fraud transaction of {$450.00} by XXXX XXXX XXXX occurred on XX/XX/XXXX in my US bank checking account. I filed the first claim to US bank immediately after I found out ( early XX/XX/XXXX ). After I was notified that the claim was denied, I called the fraud department/fraud liaison center and explained why it was a fraud ( reasons being 1. I am not a XXXX XXXX XXXX member. I couldn't have shopped there. 2. The signature shown for that transaction doesn't match my signature on file ). I was told that I can file the claim again to re-open the case. So, I sent in the second claim on XX/XX/XXXX. I called back a few times to check the status and was told it's still under investigation. Eventually around end of XXXX, someone from US bank suggested filing a police report. So I filed a police report on XXXX XXXX and faxed to US bank on XXXX XXXX. 

US bank refused to refund my money back. Initially I was told the claim was denied because it's an authorized transaction. After i filed and faxed the police report, I was told it was denied because it's outside the claim window. I initiated the claim within a month, and was primarily held up by US bank liaison center personnel. I spent hours on the phone with the liaison center personnel and no one ever mentioned about claim window or anything related. In addition, no one mentioned about filing a police report until end of XXXX. 

As of now, the bank 's fraud department refused to refund anything. Only a branch manager managed to refund XXXX of the {$450.00} to my account using some local fund.
Consumer complaint received 2022-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2018-08-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (TX)

The following are a list of dates that will help outline my struggle with Selene Finance LP.

XX/XX/XXXX filed an insurance claim with my carrier XXXX. Total Claim Check amount is {$21000.00} XX/XX/XXXX - XX/XX/XXXX Completed the claims process with farmers and they send me a check made out to me my wife and XXXX XXXX XXXX who owned my mortgage at the time..

XX/XX/XXXX jumped through all the hoops required for disbursement and XXXX XXXX XXXX sells my loan to Selene Finance. Selene Finance requires me to jump through the same hoops.

XX/XX/XXXX-XX/XX/XXXX XXXX  with Selene Finance tells me they are requesting disbursement. I ask how long and they tell me it could take 10 to 14 business days to hear from corporate 5-7 business days for check processing and 5-7 more business days for the check to reach my mailbox ... ..WHAT?!

XX/XX/XXXX to XX/XX/XXXX I pay out all of my savings which isnt enough to cover the work done to my home and I still owe the contractor a lot more money.

XX/XX/XXXX-XX/XX/XXXX I give them time to get me the money ... guess this was a bad idea ....

XX/XX/XXXX They tell me ... .and I quote ... '' It looks like we have lost the check..Oh wait no we have it, but we cashed it, but we cant give the money to you. '' I asked why and they said we dont know we need to here back from corporate.

XX/XX/XXXX - XX/XX/XXXX I have gotten XXXX to provide proof of payment and Selene Finance says they have the money, but are working on figuring out what happened with an accounting error before they pay me. ( LOL it takes a month for you to figure out an error you made? WHAT?!! ) XX/XX/XXXX I call them today and demand to speak to corporate. They will not let me speak to corporate. They will not pay me. They acquired my loan on XX/XX/2018 and we are about to enter XX/XX/XXXX ... These people are crooks I need help badly..

My agent said he has never seen a Mortgage company do this to an individual. He said I should get a Lawyer or contact the attorney generals office ... I dont know what to do PLEASE HELP List of names of people who claim they are helping me from the " loss draft department '' : XXXX  ( He is the one who is following my case ) XXXX  ( answers calls ) XXXX  ( supervisor ) I know these people are " trying '', but their efforts are clearly not working..
Consumer complaint received 2018-08-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NY)

For most of this year I have received electronic correspondence from Ace Cash Express. I never was and never will be a customer of Ace or any such lender.

I have repeatedly contacted Ace Cash Express to inform them that I am not their client. I have repeatedly given them my contact information and other personal data to enable them to correct their records. 

However, I continue to receive correspondence from Ace. I am concerned with both identity theft and my credit score.

It is obvious that Ace Cash Express has limited controls over its operations.
Consumer complaint received 2019-05-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (WA)

WFS just sent me a XXXX dollar reimbursement, because they were found guilty of over charging me for XXXX XXXX XXXX. This cost was baked into my car loan, WFS gave me a derogatory payments reporting when they were charging me fees I should not have paid in the first place. This was incorrectly reported.
Consumer complaint received 2018-08-29
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. (FL)

I submitted a complaint and asked for this collection agency to provide me with validation of debt. According to Section ( 609 ) of the Fair Credit Reporting Act. I can request documents that prove that this is my debt. This gives me protection of consumers against false and erroneous reporting. This collection agency sent me an in-house letter that provided dates of service that they stated I visited XXXX XXXX. I have no records or statements from the original creditor. I am submitting this complaint due to this company not sending any documents that prove this is indeed my debt. I would like the information provided by the original furnisher to your office.