davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NJ)

I had a loan with moneylion bank and there was an outstanding balance on the off {$130.00} I have communicated with moneylion through email and phone that if I pay off my outstanding loan in full that the loan account information will be deleted from all 3 credit bureaus and delete any information connected to that loan. I spoke to customer service and by email they assured me that they will do that by email and phone conversation. The person that I spoke to over the phone her name is XXXX and she assured me that she will put a note in the system for the account to be deleted when paid off. Ever since the loan have been paid off on XX/XX/2020. The account have not been deleted off my credit report and I tried numerous times by email complaining about the loan account never got deleted and its hurting my credit score. First they say it will take 30days to delete the information, then after 30days to 60 days and more, the account still report negatively. The status of the account change from paid/ok to charge off ( CO ). Then moneylion change their story and said they will not delete the account. I have dispute this account will all 3 credit bureaus and moneylion bank refused to hold up their agreement to delete the account off my credit report.
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ARVEST BANK GROUP, INC. (AR)

Please see the full details of my complaint in the attached email. 

I have listed all the details of my complaint, concerns, and issues, that I would like for you to review and help me in resolving. 
I appreciate you so. 
Thank you. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-01-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of america has declined my claims. I had my debit card lost/stolen out of the country and i disputed these non authorized transactions. Supervisor told me they could not help me because they couldnt reach the merchant out of the country. The bank credit my account and now they are removing the funds from my account which caused my account to be negative a XXXX dollars plus overdraft fees on more than 13 transactions, it is absolutely absurd. They are not willing to help me on this case. I have XXXX balance on my account and they are taking money from my account and leaving it negative more than a thousand dollars.
Consumer complaint received 2022-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

I received a letter from Bull City Financial services around XX/XX/XXXX stating their attempt to collect a debt from XXXX XXXX. I contacted Bull CIty Financial along with XXXX XXXX asking for a statement to substantiate the debt that was owed. According to my records, all amounts owed to XXXX XXXX were paid. XXXX XXXX as well as Bull City stated they would send me the supporting statement. 

I submitted a dispute notice to Bull City along with a request to cease and desist any further action while this debt is being researched, this was confirmed by Bull City it was received on XXXX. 

In XXXX I received a call from a supervisor at XXXX XXXX who advised she would research further and contact me back. I never received a call or a statement. On XX/XX/XXXX I received a letter from Bull City ( see attached ) that did not provide sufficient itemized information to answer my question of what this debt represents. Almost two years had passed and this was my first notification of an outstanding amount. 

On XX/XX/XXXX I contacted Bull City Financial to confirm the cease and desist was received and to again, ask for more detailed information on the nature of this balance before it is paid. I was met with opposition and spoke with a collector by the name of XXXX who advised the " proof of debt '' I received was all I had to be provided. I requested to speak with a supervisor and was ignored and transferred/rerouted for over an hour. 

At this time I sent a second cease and desist letter via certified mail to reiterate there has yet to be a statement provided for this debt., therefore I am still disputing because according to my records all debts were paid. This has since been reported to my credit report and has impacted my credit score.

I have spent hours on the phone with XXXX XXXX as well as Bull CIty, at one point I was advised by XXXX that they changed systems and was unsure of how to obtain the statement in question, yet, they reported me to a debt collector. Who has proven to be uncooperative and mentally abusive with giving me the runaround or mocking my request for more information.
Consumer complaint received 2021-05-11
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. (GA)

XXXX XXXX has two accounts showing two different amounts on my credit report. I wrote to XXXX, Equifax, and XXXX to have these accounts removed. I wrote to XXXX XXXX and they are not showing I have any accounts with their company. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting. 
I started my dispute process with all three credit bureaus on XX/XX/XXXX, XXXX, XX/XX/XXXX. When reviewing the information the date of the last activity was on XX/XX/XXXX. My last contact date with XXXX XXXX was in XX/XX/XXXX. This would make the account more than 10 years old.

All three credit bureaus are not reporting the same information. Therefore, the information is not accurate and up to date.
Consumer complaint received 2022-01-24
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: EQUIFAX, INC. (SC)

This comapany Equifax knew it was accounts reporting that I did not consent or aurthorize and they still reported them even knowing I was infected by their data breach. I tried to fix the problem but everytime I got in contact they hung up on me. This comapany is now in violation of my consumer rights.
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 1. Account Name : XXXX XXXX Account number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX 3.Account Name : XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 5. Account Name : XXXX XXXX Account XXXX : XXXX 6. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX 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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (PA)

XXXX XXXX XXXX Bill got sent to collections agency for {$590.00}. I do not not have I ever had an account with XXXX XXXX XXXX. This is the second time this has happened.
Consumer complaint received 2018-07-10
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. (GA)

Dear CFPB, These two mortgage companies reported false information on my credit reports. XXXXXXXX XXXX and XXXX XXXX XXXX. 
I have NEVER done business with them. 
I NEVER applied for a mortgage with them. 
I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed XXXX XXXX   from my report but not XXXX XXXX XXXX. At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (SC)

My mortgage payment is sky high due to my real estate taxes being overcharged by {$8000.00}. My mortgage was {$2500.00}. Now its {$3200.00}. It went up due to taxes being overcharged and the tax dept has sent them the refund. 

I am going to be XXXX in 2 weeks and I can not set up auto draft with that high payment. This will cause me to go into foreclosure. And the company refuses to do my escrow analysis immediately so that my payment will go down. I have been dealing with this issue for 3 months. This is in violation of RESPA as well.
Consumer complaint received 2022-01-24
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 — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (MN)

Incorrectly reporting late payment ( XXXX, XX/XX/XXXX ) as late on my second mortgage with Specialized Loan Servicing. I have talked to Specialized Loan Servicing who has verbally validated that no late payments have been made. They have also indicated that they have not reported any late payment to the bureaus. I've disputed this information over 4 times to both XXXX and XXXX with little results. They have both come back saying that the lates were correctly reported by the loan servicing company. I've included the XXXX documentation as well as the mortgage servicers statements they have sent me showing that there hasn't been any late payments made. Disputes were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX.This has negatively impacted my credit scores and I would like this corrected to show never late.
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

In XX/XX/2017, I had cancelled the service with XXXX and tried to port three numbers to the new cell phone company. Two of the three numbers were able to port, but my major cell phone number XXXX was unable port. I believed the XXXX played the dirty game. 

Finally I had to get a new cell phone number instead. 

After three months, the XXXX send me the bill for {$75.00}. I denied and disputed for that bill.

One of the phone number, my wife opened for her XXXX. But never been used for so long, because of her XXXX  was no longer in working condition. 

I called the XXXX asking for the proof of data using. No one ever response, but the XXXX send it to the collection agency. 

This is the latest collection company : IC System XXXX Reference #  XXXX Account # XXXX Balance due : {$100.00}
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2022-01-24
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (TX)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : XXXX XXXX Bankruptcy XXXX Remove this Bankruptcy from my Public record XXXX  XXXX Bankruptcy XXXX Remove this Bankruptcy from my Public record XXXX XXXXXXXX Bankruptcy XXXX Remove this Bankruptcy from my Public record XXXX  XXXX Bankruptcy XXXX Remove this Bankruptcy from my Public record
Consumer complaint received 2018-08-28
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. (IL)

I paid my XXXX 'XXXX account in full, however, XXXX 'XXXX   reported that I paid in settlement. I contacted to XXXX 'XXXX who then sent me a paid in full letter. Yet, the 3 credit reporting agencies will not update this information on my account. I have included both paid in full letters to this complaint.
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

I am writing presently in wish to receive your help. At the present time I am working on reviewing my credit, paying down my balances, and pursuing better credit worthiness. You play a significant role in this procedure. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2017 and I am writing this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (FL)

Hello Ive sent in a dispute on XX/XX/2021 and still no repsonse this is past the timeframe. Listed are the account I placed for dispute. Right now the credit agancies are in violation of response. 




XXXX XXXX ( XXXX )
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC. (TX)

I have been having problems obtaining my corrected and updated audit request from XX/XX/XXXX. Steps taken were requesting an in person meeting, appearing to the in person meeting and following up on my request in XXXX. 
I was told that my audit was completed and mailed XX/XX/XXXX. It is now XX/XX/XXXX and I have yet to receive. 

I would like to know all history disbursements and their paid dates, assessments, fees, monthly payment amounts for all audit years, payoff date and payoff balance.
Consumer complaint received 2022-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MD)

Hey, looking at my credit report on XX/XX/2022 there Is an inaccurate derogatory remark in my collections. I don't know this company. This is fraud. I have no knowledge of any of this or signed any documents with this company.
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

This morning XX/XX/22 I got an email from XXXX or XXXX XXXX XXXX XXXX ) saying I sent {$480.00} to XXXX for a cannon printer XXXX transaction id : XXXX delivery date XX/XX/22 I dont have a PayPal account. When I called the number XXXX XXXX they hung up on me after I asked why they needed my name. This doesnt seem like it is really PayPal . They sound like they're from a foreign country and have accents.
Consumer complaint received 2022-01-24
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. (VA)

Experian credit services was notified in writing that I had 2 unauthorized inquries on my credit report. XXXX XXXX Bank unauthorized XX/XX/XXXX and XXXX Bank XX/XX/XXXX. I wrote them 4 to 6 times. They refuse to remove. I called XXXX and XXXX Bank. XXXX sent them a letter to remove and XXXX Bank had no record of any inquiry from me XX/XX/XXXX -Val XXXX 

The letters of dispute sent by regular mail and certified resulted in nothing. I tried to upload and receive an error message, I attemoted to fax to XXXX no answer. If you call customer service the vm demand ss # and routes you to prerecorded messages. I called last week and 4 times today. No contact means, blocked by computer and it violates my rights. 

My name is XXXX XXXX XXXX XXXX They have it listed 3 ways XXXX XXXX XXXX XXXX I requested they remove the incorrect AKAs and provided copies of my drivers liscense. They do not correct
Consumer complaint received 2016-09-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

I am continually having issues with my loan servicer, Rushmore Loan Mgmt Svs, but this issue is especially hard to swallow because it could have been prevented by them. They refuse to accept they made a mistake. I recd. a XXXX loan in XXXX of XXXX to pay the arrears balance and bring me current. When in the Mediation mtg., it was brought to Rushmore 's attention that I would most likely be approved for this loan and once I was notified, I would need an accurate figure to bring my acct. current. Once I was approved, XXXX notified Rushmore and Rushmore then quoted them the figure of just over {$27000.00}. The money was received as promised and to me like a XXXX mortgage. Not payable for 30 years or if I sold my home and " 0 % '' interest. The money arrived and credited to my acct. XX/XX/XXXX. My first payment being current was due XXXX XXXX, XXXX and every month thereafter. Not 2 weeks later I recd. a letter in the mail from Rushmore saying my escrow acct. was approx. {$2000.00} short and that my monthly mortgage payment would increase on XXXX XXXX, XXXX by approx. {$150.00} a month for a year or something. I have the exact figures but to tell you the truth, I was so angry that I pretty much just stopped breathing. I do n't remember much else that day. If I had a shortage in my escrow, why was n't that shortage or projected shortage included in the reinstatement figure they quoted XXXX. I had up to {$30000.00} I qualified for but I used the figure Rushmore quoted them and got the loan for just over {$27000.00}. They claim they do n't do escrow analysis 's on delinquent loans so as soon as I got current, they did the analysis and determined that would be the shortage. I know for a fact that my insurance and property taxes did not go up more than {$30.00} for the next year so where they came up with that {$2000.00} figure is beyond me and regardless, any shortage could and should have been included in the reinstatement figure, If I make a mortgage payment that includes escrow, they should have included that into their calculations. They refused to do another analysis after leading me on for 3 months and when XX/XX/XXXX came, I could not make the new mortgage payment with the increase. I pretty much lost it. I got a forensic review of my loan and found out its been securitized and I 've tried to talk to them about this but they refuse to do anything about it and continue to claim I 'm delinquent and wont reverse the additional monies they want each month. I ca n't even get into my acct. on line because they lock out all delinquent accts. I recently receive3d a letter of default at my house so now I 'm facing foreclosure and if I 'm forced out, that XXXX loan will become due and I have no way to pay that {$27000.00} off now. It 's just wrong that they can do this to people. I 'm sick of it and it needs to stop. How many complaints do you need to get on a company before they are shut down. I want to stay in my home and I want them to make this right.