davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

Lendumo, an online payday loan lending service, approved a small {$1200.00} loan for a family emergency I experienced on XXXX/XXXX/2022. I was told that they could not determine the interest rate until I selected the " sign and continue agreement '' in the app. Once I selected the option they went ahead and approved the {$1200.00}. Fearing that they had my bank account information, pressured me to accept the loan, and fear they would debit my account regardless, they did deposit the money in my account. The problem was the interest rate was like 794 %, now I owe them over {$7000.00}. interest on a measly XXXX with a biweekly payment of {$390.00}. The payments are also being deducted on an alternate week other than agreed upon and have caused several overdrafts to my account. I also do not believe the interest rate that I am being charged is legal in my state. I've paid {$2300.00} so far and seek relief from this predatory loan experience. How is this legal?
Consumer complaint received 2022-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

My home has appreciated in value, both due to improvements I've made and the market. I want to remove PMI, and CMG Financial is ignoring my request. I believe it to be a stall tactic- it is in their benefit if the real estate market goes down, negatively effecting my XXXX ratio. 

I sent in the request XX/XX/XXXX. They asked for 30 days to review the request. I've followed up twice after the 30 days passed to no avail.
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

My device was hacked and the cash app card was saved in the XXXX  wallet. My debit card was also in my wallet. The perpetrator erased my phone but not before XXXX from me through cash app. I believe the people that hacked me contacted me and pretended to be XXXX.
Consumer complaint received 2023-02-07
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 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 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 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 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 2022-09-10
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)

There seems to be information on my consumer report that is result of identity theft. I have tried to have this persons name removed my consumer report. 

This the second request to have this name removed. 
I don't know who this person is. 
This name belongs to someone else.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (DE)

I initiated a payment dispute on XX/XX/XXXX through US Bank for a {$260.00} pre-payment made on XX/XX/XXXX to a merchant that I have not received services for. The services were never delivered and was supposed to be deliver in XX/XX/XXXX. US Bank reviewed my and dismissed my case claiming I need to contact them within 60 days after the error. While the payment date was XX/XX/XXXX the service was supposed to occur in XX/XX/XXXX which mean I am within 60 days. US Bank cardmember services team did not do their job properly and failed to understand chargeback management to the detriment of their cardholders. US Bank did not act in the best interest of their customer and prohibit cardholder from initiate payment dispute. US Bank should side and protect their customer from incorrect transactions and let the payment dispute run through the card network for resolution.
Consumer complaint received 2020-08-19
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: Experian Information Solutions Inc. (FL)

I filed a dispute on XX/XX/2020 due to inaccurate information being reported on my credit profiles. The profiles have numerous inaccuracies that need to be resolved immediately. I have sent multiple letters to try and resolve this matter and have yet to have them acknowledged. I would like for actions to be taken as it has been well over 30 days since my initial dispute. These companies have not been complaint with the Fair Credit Reporting Act, and must be held accountable for there actions.
Consumer complaint received 2021-09-13
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. (CA)

THIS PROBLEM I HAVE IS WITH THE CREDIT AGENCIES NOT FOLLOWING THE FCRA THIS HAS BEING GOING ON FOR YEARS. 
I SENT A LETTER TO THE COURT ASKING THEM DO THEY REPORT TO THE CREDIT BUREAUS AND THEY RESPONDED THAT " WE DO NOT REPORT TO THT CREDIT BUREAUS! WHICH I SENT THIS LETTER MULTIPLE TIMES AND ASK THEM TO VERFIY WHICH THEY JUST IGNORED ME. 
THEY COULDN'T VERIFY IT BUT THEY REFUSED TO DELETE IT. 
WHY HAVE LAWS IF THEY ONLY APPLY TO CONSUMERS AND NOT COMPANIES. PLEASE HELP.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute on XX/XX/2020 due to inaccurate information being reported on my credit profiles. The profiles have numerous inaccuracies that need to be resolved immediately. I have sent multiple letters to try and resolve this matter and have yet to have them acknowledged. I would like for actions to be taken as it has been well over 30 days since my initial dispute. These companies have not been complaint with the Fair Credit Reporting Act, and must be held accountable for there actions.
Consumer complaint received 2023-02-07
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. (CA)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2023, to update the erroneous information. I think the XXXX Credit Bureaus have not validated these accounts. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : $ {$40000.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$49000.00}
Consumer complaint received 2020-11-13
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. (TX)

Several years ago I took out a loan from XXXX XXXX XXXX. They sold that debt to XXXX whom, I pay regularly. For some reason they reported that my payment was XXXX days delinquent to the credit reporting agencies, and has refused to correct it.
Consumer complaint received 2020-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cawley & Bergmann, LLP (NJ)

This company Cawley & Bergmann , LLC cantact me in different ocacion, try to collect a amount of a XXXX XXXX. This company have all my personal information with out my concent and are haresting me and making me feel very intimidate with their phone calls.
Consumer complaint received 2021-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TX)

An erroneous collection claim showed up on my credit report. I have no knowledge of this company nor the company they represent. I never received any bill or anything of the sort and have never done business with either company. I suspect fraud and already have a fraud alert placed with the credit bureaus.This false claim lowered my credit score by 100 points and directly affects my ability to refinance debt and save money for family expenses during the recent weather disaster in my area. 

PROFESSIONAL BUREAU OF C XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEVER DONE BUSINESS WITH THIS COMPANY : XXXX XXXX XXXX
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

On XX/XX/XXXX, I received a text message from Discover Card, asking if I had recently made a {$1.00} charge at a XXXX station. Since I mad no such charge, I immediately called Discovers Fraud Department to inform them that no such charge was made by me. During the conversation, eight fraudulent charges totaling {$400.00} were identified. The representative stated that my card would be canceled to prevent further fraudulent charges and a new card would issued. Additionally, the representative stated that I would not be liable for the fraudulent charges and they would be removed from my account.

During my online review of current activity for my account, I noticed that Discover had reposted these fraudulent transactions to my account. On XX/XX/XXXX, I called Discovers Customer Service Department, asking why the fraudulent charges were transferred to the new account. The representative stated that the error would be corrected and the fraudulent charges would be removed within the next few business days. On XX/XX/XXXX, I received two emails from Discover Customer Service, stating that the dispute had been resolved in my favor. On XX/XX/XXXX, I received an additional five emails, stating that the dispute had been resolved in my favor. On XX/XX/XXXX, I once again checked online to see if the fraudulent charges had been removed. Once again, the fraudulent charges were still on my account! I sent a secured email through Discovers website, asking why these fraudulent charges had not been removed from my account. On XX/XX/XXXX,  all I received from Discover was a canned response thanking me for my letter and asking me to call a security specialist at another number for assistance. 

Given that Ive already received the runaround from Discover THREE times, I have no intention of going through this nonsense for a fourth time and am now contacting the CFPB for assistance and resolution since Discover has proven their incompetence in properly resolving this matter.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 
- XXXX XXXX XXXX XXXX, 2015
Consumer complaint received 2022-04-01
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-08-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account.
Consumer complaint received 2018-06-16
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc. (MD)

Beginning in mid-XX/XX/2018, I attempted to secure a student loan refinance from SoFi for approximately 58,000 dollars. I submitted all required paperwork, as did my cosigner ( my spouse who is on a XXXX XXXX through marriage ). After two weeks of hearing nothing from XXXX, I contacted them multiple times at the end of XXXX -- both on the phone and through their live chat -- to discuss what the hold up was. It was uncovered that they were having an issue contacting my future employer to verify my offer letter. On XX/XX/XXXX, I called them in person after spending a few hours of my own time to find additional contact information for my new company 's HR. I was told then that the application was complete and would finish processing in shortly. The next day, I got hit with an address verification request for documentation because we had just moved. XXXX stated that they would only accept a bank statement, but I had not received one with the new address because we had just moved a few days prior. Once I told them this, they decided that they were willing to a screenshot of my bank 's website showing the updated address. That same day, I logged in and noticed that XXXX had unilaterally updated my requested loan amount from ~58,000 to over 80,000, which I at no point requested them to do. It took two phone calls and three web-based live chats to get this problem solved. Then, this morning, XX/XX/XXXX, they requested an XXXX for my spouse, who was acting as my co-signer so that we could get a better interest rate. We have only been married for two years and have not yet been required by the USCIS to file the XXXX, as my spouse 's initial XXXX XXXX still has validity. Had SoFi told us in their application materials that we would need an XXXX, we would never have filed the application. Their omission of this during the initial stages of the application has led to considerable wasted time on my end and has dinged both of our credit reports with hard inquiries. Today, XX/XX/XXXX, I called into XXXX and spoke to a supervisor for the third time in two days about my application. They told me that if I could not furnish an XXXX they could not move forward with my application. At no point prior to this, not even in my various phone calls and web chats with them about this application did they mention this possibility or that they would need this document. Today, I talked to XXXX, one of XXXX 's supervisors. When it became clear that they were not willing to work with me on this issue, I notified her that I expected XXXX to immediately remove the hard inquiries from both mine and my co-signer 's credit reports and that I would be filing a CFPB complaint.
Consumer complaint received 2018-06-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a bank account at Bank of America in XXXX. I did bounce a check or possibly 2 and the bank repeatedly attempted to put these checks through, resulting in hundreds of dollars of fees owed to the bank. When the account was negative $ 300+ dollars or so due to these fees, I told them to close the account and that they're nuts to think they can get away with attempting to repeatedly charge ridiculous overdraft fees, keeping my account in the negative and keeping all of my money. Now it is 12 years later and Bank of America has been contacting me, and threatening to sue me for over {$1000.00} plus lawyer fees and all legal court fees, totaling over {$3000.00}. They called Monday, XX/XX/XXXX from a restricted number saying a process server would be out to my address for a court issue and to call a different out-of-state phone number if I had any questions. I called and a man named " XXXX '' bullied me, telling me I had signed a contract, that Bank of America was well within their rights to collect this debt, because I had signed a written contract, this was money fairly owed to them and that they were sure to win in court. At first they caught me off guard ; I got upset, was crying and explained that I'm on a limited income, a working class single mother. They offered to let me off the hook for {$540.00} by today, XX/XX/XXXX. However, after doing some research, I discovered that the statute of limitations is 6 years on debt collections in NY state and 6 years on written contracts. I then dug further into some legal websites and discovered that Bank of America has been trying to use a loophole in the law, claiming that people who live and opened accounts in other states have never officially " timed out '' on the statute of limitations, since they don't live in the state Bank of America is based out of. I believe they are targeting people who may fall for this nonsense, and either pay some ridiculous amount of money by a certain date or not be able to make it to court, or fully understand the law. If the defendant doesn't show up, or is easily bullied or doesn't understand the law and their legal rights, they will win their suit for an amount way over what was ever actually owed. In doing research online, its also interesting to note that Bank of America had several of their large accounts ( that they lent a lot of money to ) go bankrupt in XXXX, and may be be trying to recoup what they can by taking advantage of the working class. I notified " XXXX '' of " XXXX XXXX XXXX, '' ( the man who I spoke to Monday and today ) of the statute of limitations, he didn't seem to know or understand the laws at all and repeatedly attempted to make me doubt what I know to be true, making me question whether or not he actually even works for any law firm at all, since he has zero knowledge of the law. He went as far as to make me repeat my statement several times and seemed to find it humorous that I know the law.
Consumer complaint received 2022-01-06
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. (GA)

On XX/XX/2022, I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 
I contacted the Big 3 Bureaus who placed the inquiry and asked them to remove their credit inquiry from my credit profile, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Consumer complaint received 2020-08-19
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. (IL)

XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX/XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my credit Acct # XXXX.
Consumer complaint received 2024-01-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: United Shore Financial Services, LLC (FL)

The area was hit by a hurricane and declared a natural disaster area XXXX. A disaster loan modification was requested and servicer refused to process requests. After being denied that request to have modification under VA waterfall was requested and that was denied. I asked servicer why I wasn't being considered for the applicable modification and did not receive a response. The servicer stated they need a complete modification application which was not required under the VA waterfall and even after submitting all required documents the package continues to be denied without a clear reason and conflicting information. Once staff said over XXXX documents have already been submitted which were specifically submitted and gone over with mitigation staff but remains incomplete per underwriting. A letter was received that the package was complete and the same day the status was removed. This servicer has various lawsuits for this practice and continues to business as such.