davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-01-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE CENTER, LC (MI)

On XX/XX/XXXX we applied for a 30 year fixed mortgage with XXXX XXXX XXXX, XXXX, Michigan. XXXX XXXX XXXX took the loan application and stated that he would be our contact person. We explained to XXXX XXXX that we needed to refinance our existing mortgage with XXXX XXXX, XXXX, for a lower interest and also pay off a 7 % Signature Loan with XXXX XXXX XXXX XXXX, {$27000.00}. XXXX XXXX stated the Signature loan pay off would depend on the appraisal of our home. We paid a {$450.00} appraisal fee at that time. We were then notified by a XXXX XXXX XXXX, Senior Processor, on approx XX/XX/XXXX. XXXX XXXX then stated that our home appraised for {$200000.00}. I then ask XXXX XXXX if the entire balance of the Signature Loan would be paid off, due to the high appraisal of our home. During that phone call XXXX XXXX checked the figures and told me that there would be no problem. XXXX XXXX also stated that Mortgage Center would also get the payoff of both loans. We closed on our refinance loan with Mortgage Center on XX/XX/XXXX. Mortgage Center disbursed the money on XX/XX/XXXX. On, XX/XX/XXXX we became aware that our Signature Loan, at XXXX XXXX XXXX XXXX, had not been paid. Also our {$540.00} payment was due on the Signature Loan. XX/XX/XXXX my XXXXyear old grandson informed us that Mortgage Center had made an error and paid off his pickup truck. In a panic, XX/XX/XXXX I called Mortgage Center and talked to XXXX XXXX. XXXX XXXX said he would check into the issue and call me back. When XXXX XXXX called back he stated that the refinanced loan was closed and really didnt think there was anything Mortgage Center could do. He recommended that my grandson make his original truck payment to us. Then we could put my grandsons payment to our 7 % Signature Loan. I still today cant imagine being offered that solution.
Consumer complaint received 2022-09-09
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (LA)

Navient has been repeatedly calling my personal cell phone several times a day, and occasionally late at night. In addition to repeatedly calling, on Tuesday XX/XX/2022 they deceptively contacted me through a third party, using a local phone number that was unfamiliar to me and that Navient has never used before ( The number used was XXXX ). When I answered the phone I was told by a woman that someone, on a different line wanted to talk to me about business between us. No name of the person or company or nature of the business was disclosed prior to being transferred to the other line. When I was connected, a person identified themselves and that they were with Navient trying to collect a debt. 

These practices by Navient are abusive and deceptive, but this seems to be par for the course with them. Also in light of recent lawsuits against them, I am beginning to think that my first complaint against them was valid and that they are illegally trying to collect a debt that was discharged in bankruptcy, as they have done with other people as well. Navient was not present for the bankruptcy hearing to object to my debt being XXXX and nothing was mentioned by the court that they would object.
Consumer complaint received 2015-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (HI)

I have informed credit reporting agencies about my issue and waiting for the answer from them, Mean while I heard about CFPB and thought To file an complaint. I used in XXXX 2013 a company call freight center in XXXX to ship household items to XXXX, there was XXXX pallets, as per my knowledge weight was under XXXXlb on each pallet and paid in advance some of {$2800.00} to freight center, they over charged me as per the quote so I called them and they gave me credit for an amount {$85.00} same day. After 4 weeks from delivery of my house hold goods they are coming back with additional {$1000.00} for additional cost which I did not get it, there fore I refuse to pay them an hidden cost and know I see they have hired collection company called XXXX, is showing on my credit report, I am going to attached a proof of documents to prove the payment was maid thru credit card. There fore I request CFPB to investigate and help me to remove this negative item from my credit report, which is affecting me on my business and raised up my family. I am also attaching my credit report to show CFPB I have very good payment history, Thank you. 
SincerelyXXXX XXXX XXXX
Consumer complaint received 2016-05-12
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO)

I friend XXXX dad sent me a friend request on XXXX last night and I accepted. He started off by telling me if I had heard from the XXXX and I said said no what is that? He said he had seen my name on the list and to text them at XXXX. I did because I know and trust him. He stated t he had received money and that since he seen my name on the list I need to contact them. I was connected to a XXXX XXXX and he asked me some questions and said I indeed was eligible. I had XXXX XXXX 's dad telling me me what to do through XXXX. I did what he asked and I sent XXXX through Money Gram this morning. Come to find out XXXX 's XXXX account had been hacked and I was not speaking with him at all. I did not know this at the time. I have made copies of all messages between both men. I was deceived and scammed by these men! I am on Social Security XXXX and can not afford to lose XXXX. I was up until XXXX researching this and did not feel right, but thinking XXXX was XXXX I trusted him. I am now out of XXXX.
Consumer complaint received 2020-10-09
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)

XXXX XXXX XXXX XXXX accounts # XXXX AND XXXX. 

Settled in Full with XXXX XXXX XXXX on XX/XX/2020 account representative is XXXX XXXX. I did receive letters settled in full for both accounts. 

I spoke with three different people at XXXX XXXX XXXX XXXX on XX/XX/2020. One advised they no longer own this debt they sold it to XXXX XXXX XXXX. I called back to ask for a letter stating that and was informed they do not have a letter to indicate that and was transferred to member services. I was then advised there was no update that payment has been fulfilled. I called three times to XXXX XXXX XXXX to find out when will it be reported back to XXXX XXXX XXXX XXXX as it has been over a month.
Consumer complaint received 2022-08-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

I have a hard inquiry on my experian credit report from a financing company where I didn't get any finance from. It's bringing a hard impact on my credit. It's from XXXX XXXX XXXX. 

In accordance with the fair credit reporting act convergent Account # XXXX, 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 2020-11-25
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: TD BANK US HOLDING COMPANY (FL)

On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit report per XX/XX/XXXX. 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiries on my credit reporte per XX/XX/XXXXand XX/XX/XXXX.
Consumer complaint received 2018-06-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After giving the credit agencies time to fix this problem they still failed in doing so. The following account has previously been disputed many times all with no prevail. The FCRA assures the consumer that disputed accounts, without physical verification shall be removed. This following account I have no knowledge of and if the credit agencies continue to update it then by the laws of the FCRA they should provide physical documentation before taking the senseless and easy way out by updating an frivolous account. The following account in dispute is XXXX XXXX / XXXX XXXX ( XX/XX/2012 )
Consumer complaint received 2018-05-29
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. (WI)

**UPDATE XX/XX/XXXX*** I CALLED CFPB TO FIND THAT IT HAD BEEN TURNED OVER TO FTC. I CALLED FTC AND THEY SAID COMPLAINT NEEDS TO BE RE-SUBMITTED BACK TO CFPB. ANOTHER CALL TO CFPB AND REP SAYS IT SHOULD NOT HAVE BEEN SENT TO FTC IN THE FIRST PLACE. 
PLEASE ADDRESS THE COMPLAINT AS STATED BELOW - My problem is that each reporting credit bureau is not doing what they should be doing to remove an error in reporting from XXXX XXXX XXXX. XXXX XXXX XXXX is erroneously reporting a collection balance to their collection agency, XXXX XXXX. Both have conceded the error and both state that credit bureaus have been notified, yet negative report is not being removed. This has been going on FOR OVER SIX MONTHS NOW! 

Very, very frustrated with all three reporting bureaus and with XXXX XXXX XXXX, a company that does not operate with ethics, integrity, unscrupulous billing practices and/or at a minimum, such incompetency that the right hand is not with the left hand. Even the collections company has admitted that they often are chasing collections that are not accurate and frivolous. You can see that everyone and everything is screwed up in this whole mess including that CFPB kicked this out to even begin with. VERY FRUSTRATED! 

The bill is from XXXX XXXX for {$220.00} dating back to XXXX - XX/XX/XXXX. 
In XX/XX/XXXX, I noticed that I have been turned over to collections and is now showing a hit on all three major reporting credit bureaus for this {$220.00}. We have, for over eight months now received collections calls, made calls in response to bills we were receiving and been told numerous times that it is an error and that it will be taken care of. A different call might be a different answer ( that we also have had many times ) that might be from a collector stating that we owe the money. On XXXX, we finally reached a supervisor at XXXX XXXX  that sees the error, will kick it back to XXXX with her notes stating the valid dispute but can not guarantee the results in our favor. Thus, this complaint and with certainty that this will not be disposed of UNTIL we file this complaint. 
The absurdity to this is in relation to a HOT SPOT device we tried out from XXXX in XX/XX/XXXX that had a 30 day return. We returned it back in 3 days since it did not work in the remote area we live in. The return at that time was confirmed that the device was received back from XXXX and that was the end of it ... .UNTIL several months later when all of this nonsense started. TO THIS DATE, XXXX XXXX XXXX AND THE COLLECTION AGENCY HAVE ACKNOWLEDGED THE ERROR BUT NOW THE CREDIT BUREAUS ARE NOT REMOVING THIS ERROR.
Consumer complaint received 2018-01-29
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: EQUIFAX, INC. (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and yahoo data breach. State issued ID have been compromised and my social security has been compromised. 
I have filed a report with the FTC in regards to this negative misleading fraudulent information that needs to be removed immediately off my credit report. 
I am not responsible for any charges made to this account. 
I would like to request copies of any documentation, such as application and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.
Consumer complaint received 2018-01-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (TX)

In mid XX/XX/2017 I went to XXXX XXXX XXXX to look at puppies. The lady at the counter told me I could finance the puppy. I applied at XXXX XXXX XXXX and XXXX XXXX. When I applied for XXXX XXXX XXXX I was told I could take the dog same day. I paid a {$300.00} deposit over three weeks and was told the purchase price of the puppy was {$3000.00}. I have since lost my paperwork when my home flooded due to Hurricane Harvey. I  applied online to finance the dog and was approved. I was told my payment would be due in XXXX. It was my understanding that I was getting a loan for the purchase price of the puppy. I would have never agreed to pay {$6500.00} for a dog. The amount of {$6500.00} never presented itself with anything I signed, viewed or agreed to when purchasing this animal. In addition, the dog has had to have XXXX, and has fell ill twice ; once within the first week of getting the puppy. Had I known someone expected me to pay {$6500.00} for this puppy, I would have never left the store with the puppy and/or I would have returned it immediately.
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I received a XXXX for XXXX on a purchase money 2nd a HELOC. The loan was originally originated with Washington Mutual. Chase improperly foreclosed on the loan and was sued by state and and federal law enforcement officials. It was a class action lawsuit from the XXXX XXXX settlement fund. Chase plead guilty and settled and I received compensation. See attached documents that validate. 
I should have NOT received this XXXX form. I need Chase to retract this form and send me documentation to show that they removed or are in the process of correcting with IRS.This is causing me financial harm as a taxable event.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

ATTACHED IS A LETTER EXPLAINING WHY I WAS LATE FOR THE TWO MONTHS REPORTED. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT ON MY BEHALF FOR I HAVE BEEN AN EXCEPTIONAL CUSTOMER.
Consumer complaint received 2020-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Originally filed a complaint in XX/XX/XXXX regarding same issue. 

Just contacted by XXXX XXXX XXXX XXXX XXXX that my payment is past due ( XX/XX/XXXX ). The check # XXXX for {$50.00} has not cleared. I have been assessed a late fee of {$25.00}. 

To date I have incurred {$120.00} in late fees ( XXXX XXXX  and XXXX XXXX ) due to 53rd Bank 's Bill Pay Vendor using paper checks and not electronic. Also, received cancellation notice from XXXX XXXX XXXX for non payment ( paper check ). Due date was XX/XX/XXXX, paper check dated XX/XX/XXXX, XX/XX/XXXX no payment to XXXX XXXX XXXX so cancellation notice sent to us and lien holder. 

53rd Bank Bill Pay Vendor is late again in processing my bill payments. The vendor continues to submit paper checks in lieu of electronic payments. 

My bill payments are schedule more than 5 days in advance of due date but yet still the paper checks are not clearing by due date thus I am incurring late fees and additional risks of my credit history being jeopardized. 

Recently, 2 of my bill payments via paper check took 10 days to clear.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion is showing a collection that is two years and it is invalid. I disputed the charge and the company removed it from XXXX. Further, they are artificially lowering my credit score due to inquiries and percentage of outstanding credit used, even though the amount is miniscule compared to my income. This has damaged me by causing a higher interest rate on the loans I am attempting to get.
Consumer complaint received 2024-03-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (IN)

Subject : Formal Complaint Against Upgrade.com - Request for Investigation To Whom It May Concern, I am writing to file a formal complaint against Upgrade.com with the Consumer Financial Protection Bureau ( CFPB ) regarding their business practices during my recent credit application process. 

My application with Upgrade.com began on XX/XX/year>, with the expectation of a swift response. However, what transpired was a frustrating and protracted experience that spanned over a month. 

Approximately XXXX days after submitting my application, Upgrade.com notified me of the need to contact the IRS regarding my self-reported income. This request caught me off guard, as I was never informed during the application process that such verification would be necessary for self-reported income. Despite promptly complying with this unexpected request and providing extensive bank statements over several weeks, the verification process with the IRS had not even commenced after 12 days. 

This delay compelled me to make interest-only payments totaling {$1100.00} to keep my accounts current during XXXX, thereby adding unnecessary financial strain. Moreover, there were conflicting requests for additional documentation, including personal bank statements from a different account. Despite having accessed this account through the provided portal, I was inexplicably informed by a representative that more statements were needed. Only after multiple attempts and modifications to the portal was the issue resolved, underscoring a severe lack of internal coordination. 

Throughout this process, I received numerous emails requesting the same information, despite the portal consistently showing no outstanding requirements. This inconsistency and inefficiency in communication compounded my frustration and wasted time. 

In an effort to expedite the process, I contacted a supervisor named XXXX at the XXXX office. Surprisingly, it was only after my conversation with XXXX that I received the necessary IRS form for completion. This lack of proactive communication from the representatives prior to my interaction with XXXX is deeply concerning. 

Despite my initial doubts, I eventually secured the loan. However, the exorbitant origination charges imposed by Upgrade.com, coupled with the high-interest rates, are unjustified given the circumstances. 

In light of the significant inconvenience, wasted time, and financial burden caused by Upgrade.com 's incompetence, I am requesting compensation for the time wasted and the interest payments incurred during the application process. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and ensure a fair resolution is reached. Thank you for your attention to this issue, and I eagerly await your prompt response.