davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-03-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (TX)

Fraudulent account details : XXXX number : XXXX dates of service : XX/XX/XXXX XXXX XXXX XXXX address XXXX XXXX XXXX number : XXXX Waypoint has been harassing me for over a year. I have repeatedly told them to not contact me. I finally called in and confronted them and told them to provide me with all of the available information. I am not associated with any of the above information. The fraud has hit my credit. I have issued a fraud alert with XXXX and reported the fraud. Waypoint said they would send me an affidavit and never did. Instead they sent me a bill asking me to pay for half of the debt. I've repeatedly informed them that I do not recognize this debt. Today they suddenly told me to contact XXXX, which contrasts the previous times when they told me they would mail me an affidavit. When I confronted them about the lack of an affidavit they informed me that the bill were actually account details. Thinking that the whole thing was a scam I threw the bill away since the agent promised it would be an affidavit. This is completely untrue. I never received any information regarding an account in the mail. I had to demand the above information over the phone. I had them resend the actual account details in an email and have not received it. When I called again they then said it would take XXXX business days to send the email. For an email that is a ridiculous amount of time. I have since filled out an affidavit with XXXX despite not having an account with them. The lack of communication and honesty with both of these companies has been horrendous and I am completely engaged that I must now spend the next days trying to prove something that I didn't do and over something that I don't owe.
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CT)

As of XXXX/XXXX/XXXX, I was advised by the XXXX XXXX XXXX XXXX XXXX XXXX. to submit a complaint to CFPB indicating that my second mortgage SLS ( Specialized Loan Servicing LLC ) at XXXX XXXX XXXX in XXXX, CO XXXX either release me from the debt which is charged off or written off the books, or put back on books, which is preventing me from getting assistance through the EMAP Federal Loan program under CHFA, I was approved on XXXX XXXX, XXXX and provided all my documentation needed. Then on XXXX/XXXX/XXXX because SLS would not give a settlement amount or put my loan back on the books, I was denied. I receive a statement every month but it does not show the XXXX figure going down or the amount I have paid decreasing the loan. There is a past due amount but nothing indicating what has been paid on loan especially since I have had them since XXXX, a loan that started at XXXX is now up to XXXX. Original payments of XXXX in XXXX for at least 5 years until I lost my job and payments started at XXXX, monthly. XXXX XXXX was my loan servicer before SLS so I need clarification in writing indicating the balance owed. Thank you in advance for your help.
Consumer complaint received 2017-06-21
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: MB FINANCIAL, INC. (MI)

I have multiple unauthorized credit inquiries  (   XXXX  in total ) over the past year coming from the same agency. The first  one  started on  XXXX   XXXX ,  XXXX  till the last one that happened  XXXX   XXXX ,  XXXX . This appears in   XXXX   and  XXXX  credit reports.
Consumer complaint received 2017-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation (ME)

I received a letter from Avant informing me that I was pre-approved for a loan in an amount between : {$1000.00} and {$25000.00}. I logged into the company 's website to check my rate as instructed. When I did so, I was immediately declined without reason. Moments later I received an email titled " Notice of Adverse Action '' from Avant, informing me I was denied. Additionally, I was told to contact the Application Review Manager at XXXX XXXX Avant to request a reson for the denial. Lastly, the company informed me that they obtained my credit information from XXXX, the basis on which they made their decision. Why did Avant decline my loan request after notifying me four different times in their unsolicited letter that I was pre-approved? Why was I not informed that the loan was provided by XXXX? Why did the company run my credit report, when I was told at the outset that my credit report would not be affected?
Consumer complaint received 2022-09-09
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: Opportunity Financial, LLC (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report.

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which 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 XXXXXXXX Date Opened : XX/XX/2019 Balance : {$5900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-06-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I signed up for a Bank of America checking account and was supposed to be given a {$100.00} bonus if I met the requirements. I verified with multiple customer service people that I met the requirements and have been told each time to give more time for the bonus to post, it has been past the time when they said it would post.
Consumer complaint received 2022-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please investigate these matters and look into my credit report it had been more then thirty days and these items are still on my report these items have not been validated on my account have not received proper validation as to why these items are on my account have not received any proof
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

I recently filed bankrupt and Experian is showing my XX/XX/XXXX payment with my mortgage company as being late along with several others of my creditors. Not only are these company not to report anything negative about me, they haven't. Plus I was never late on any of them. In fact, it was because of Experian 's reporting, I had to file for bankruptcy, I wasn't able to refinance. I disputed with Experian against XXXX having me owing them over {$1700.00} no change, then finally I filed a complaint with CFPB and then it was removed. They reported that I have late payments with XXXX and XXXX the two knowingly crooked companies. I didn't realize that paying by XXXX XXXX that they considered that free money and reported that I hadn't paid. Any kind of way Experian can show me in a bad light they did, whether it was true or not. I guess it has been 7 years with XXXX, because they are not showing negative. But in XXXX will be 7 years with XXXX, because they are still reporting that I made late payments from XXXX to XXXX  120 days late, " really ''. Even though the account was paid in full in XXXX and paid on time, they still report late payments at the fore front of their report. I paid all of my accounts up until I filed, because I had no other recourse. Even if I had been late, it is against the law for them to report negatively and they know this. But Experian is bold enough to report fraudulently on their behalf.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (TX)

Fake company saying I owe a debt, called the real company for which the the suposed debt was owed. The real company said i owe nothing. The fake company said i owed {$50.00}, trying to scam me out of money. Saying they would sue.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AmeriCash Holding LLC (TX)

" As per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is stated that 'There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' Under 15 USC 6801, it is Congress 's policy that financial institutions must 'respect the privacy of its customers and protect the security and confidentiality of those customers nonpublic personal information. ' The furnisher of information to credit agencies is considered a financial institution under this statute. 

According to 15 USC 1681 section 604a ( 2 ), 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' XXXX, XXXX, and the furnisher of information do not have my written consent to furnish my information. 

15 USC 6802 ( b ) ( c ) specifies that 'A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' The furnisher of information never informed me of my right to exercise my nondisclosure option. 

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my permission, which is against the law. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that '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. ' XXXX and XXXX are not maintaining reasonable procedures to avoid such violations. 

Furthermore, 12 CFR 1016.7 allows consumers to 'exercise the right to opt out at any time. ' Therefore, I am opting out of their reporting services. ''
Consumer complaint received 2017-06-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I lease a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX. I asked Bank of America for a car loan on XX/XX/XXXX which was approved by them. Last month on XX/XX/XXXX I went to the DMV to put the XXXX under my name when they gave me the news that in order to put the XXXX under my name I have to pay the use tax fee of {$3600.00}. I went to the bank and asked why the use tax fee were not pay or why they were not part of the loan. XXXX ( person who helped me approved the loan ) told me to call XXXX XXXX and asked them about the title. I called them & they told me in XXXX that Bank of America was now responsible about the title and the fees. I went again & told XXXX what XXXX XXXX XXXX XXXX told me. As I was handed the forms by XXXX to sign about the loan, I signed a form NOTICE TO PROVIDE FIRST SECURITY INTEREST without being notify by XXXX that I was going to be " responsible to pay all taxes assessed on the vehicle. '' In order to put the XXXX under my name & for me to pay the use taxes, he told me & offer me to Increase my credit on a credit card that I have from Bank of America in order to pay the taxes without paying interest until next year.
Consumer complaint received 2018-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Hi-one of our cell phone numbers has been used by the previous owner ( XXXX XXXX-who apparently owed on uncollected debts/loans ). In XX/XX/XXXX we were given the number as part of the cell phone service ( by the cell phone provider ). 

Previously-it was XXXX hXXXX XXXX XXXX who called and called and called despite being told of the above. Now it is Portfolio Recovery https : //www.portfoliorecovery.com/ We would very much like for this to stop-they now have both our cell numbers and continue to call, day after day. We are now receiving ( on a monthly basis ) between 90-100 calls ; including jpg 's, short code texts and any other form of medium they can think of to harass people. The same approach was used by XXXX. 

I just received a call this XXXX from XXXX XX/XX/XXXX XXXX XXXX. They have called from at-least 3 or 4 other numbers identified as such on the internet XXXX XXXX XXXXXXXX? XXXX We do not owe any debts to anyone nor have we been or are we currently involved ( nor have we EVER been ) involved in ANY form of debt collection. Please make them STOP calling. 

Thank you
Consumer complaint received 2022-09-09
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. (FL)

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

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... 

According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Consumer complaint received 2017-06-22
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. (AR)

Submitted request for verification and removal of several items. Credit bureau, Experian did not send proper verification and refused to remove. XXXX XXXX Bankruptcy Ref XXXX
Consumer complaint received 2017-09-13
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: EQUIFAX, INC. (AZ)

I have disputed this account multiple times with eqifax and XXXX XXXX. I asked them for to verify and send me proof this account is mine. They keep sending a bill what is not proof this account is mine. 

According to section 609 Credit agencies must verify this is my account. A screen shot is not a verifiable proof this account is mine. 

I would like for XXXX XXXX and eqifax to delete this off my credit report.
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (NC)

On XXXX, XXXX 2021 I have send the payment through the XXXX  for XXXX  XXXX XXXX Mobile app. This was the rent payment I did 5 last years. But at this time the landlord didn't receive the amount of {$1500.00} because the other person was enrolled under his cell number to XXXX. I filled the dispute to XXXX  XXXX XXXX and they declined my requests to return money. But the money was send to completely wrong person and I didn/t know about it.
Consumer complaint received 2021-09-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Evergreen Moneysource Mortgage Company (ID)

We were in the process of getting a house XXXX XXXX XXXX XXXX XXXX ID XXXX. We were a week away closing on what was suppose to be our house end of XX/XX/2021. XXXX XXXX at Evergreen home loan then called me to inform me that they made an error and put more income than they should which they knew that it should just be my husbands VA XXXX and not the GI money. He then asked me to get a cosigner which my parents tried and it didn't work out. This caused my husband I many issues. We lost money on a house we couldn't get because of him. I have tried emailing and texting and no response since my husband attempted suicide because how depressed I got from loosing a home and we sent our boys to my moms to pack for a month. We want our money for the inspection and escrow that we had to fight for which he did not care to help. Evergreen home loan Address : XXXX XXXX XXXX XXXX, XXXX, ID XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2023-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (NY)

On XX/XX/XXXX, I was sent a letter by XXXX saying that my personal information was compromised as a result of a data breach. On the same month, a debt collector MRS associates reported a XXXX account that was opened on my name in XXXX  ( never lived there ) and unpaid balance of {$840.00} that was reported in collections to the XXXX credit bureaus. I successfully disputed that account and got them to remove it from my credit report. That account was then sold to XXXX XXXX XXXX with the same thing and they too reported to the credit bureau that it was under collection. Again, without sending me a letter verifying the validity of the debt. And so, both MRS associates and XXXX XXXX  are in violation of CFPB as they never contacted me and immediately went to credit agencies. Now again in XX/XX/XXXX, XXXX XXXX is doing the same thing and the account is currently under dispute. As soon as I told XXXX that they never sent me a letter notifying the validity of the debt, they then sent me a letter. Clearly violating the practices.