davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (IL)

I supposedly owe a medical debt according to the debt collector called Medicredit, they are trying to collect a debt on behalf of XXXX XXXX. I called Medicredit and was told I owed a debt in the amount of {$89.00}. I told her to send me a statement in the mail so I can see and verify it, as I have had communications with them before. she agreed to send the statement, this was in XXXX of this year. I never received a statement. I have paid debts that I owed to them in the past before, but not without having a statement and verifying whether I owe it or not. 

I have called them numerous times, 4 times in XXXX and 2 times in XXXX. They told me they wouldn't do anything for me unless ( I gave them my date of birth. ) I refused. I have never been asked for my date of birth from them before. I feel that is a personal question and it has nothing to do with sending me a statement. They already have my address and account number. All I want is my statement so I can look it over and verify information and pay if I owe. I have no documents to attach because they haven't or won't send me a statement that I am entitled too!
Consumer complaint received 2018-07-04
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: ENCORE CAPITAL GROUP INC. (FL)

Good Morning to whom it may concern I am writting regarding an Complaint that I have with XXXX and XXXX. The account in question is with the creditor XXXX XXXX amount number {$600.00}. They are trying to collect a debt from me that they purchased from XXXX XXXX XXXX, who charged off the debt and collected insurance on it. I have sent dispute letters to both bureaus, and to Midland and XXXX XXXX XXXX. The response from them came back as verified. So I sent debt validation letters requesting the " original instrument of indebtedness '' or any signatures of documents or voice recordings as proof. They were not able to furnish these request. The only thing that was sent was an account summary and amount in which they are collecting. I have attatched those 2 documents. The documents that were sent are no where near the proper ways to verify and since the 609 letters and debt validation clearly states this. To make matters even worse XXXX  has not been responding, that is a violation of my rights.They are forced to abide by the Fair Credit Reporting act and delete these adverse accounts. They are putting a strain on my credit and placing a burden on my life overall. Please delete these two accounts from my credit file
Consumer complaint received 2020-07-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

This company plays games with consumers in order to collect more money. We contacted the company prior to sending the check for the total amount on our bill. We were told that we owed the amount on the bill and were not told to request a " pay off '' amount. We sent a check for the total amount on the bill and then continued to try to contact the company because our check was not being cashed. We talked to at least XXXX different people at the company before anyone ever told us that our check would not be accepted. XXXX, an escalation XXXX, in fact told us that she had our check and that the account would be paid in full. She followed up with a call to tell us that she had applied it to our account and that it should be updated the next day. It was never updated in our account. Several days later someone else from the company called to tell us that we owed more money due to daily interest charges. Those daily interest charges should not have been applied to our account. They had the full amount due to them on time. Now they say they did not receive our check until XX/XX/XXXX ( they had it by at least XX/XX/XXXX ). None of their documentation stated that it had to be a certified check, but after not cashing our check or applying it to our account the XXXX or XXXX person that we talked to said they would never cash our check or apply it because it was not certified funds. The entire situation was just giving us the run around as they continued to add daily interest charges to our account. We wired a higher amount of money that they eventually quoted us because we did not want our credit to be hit with a late payment like they were threatening. They had the balance in full on time, and they owe us the difference XXXX {$670.00} XXXX back. This company is not honest, reputable, or trustworthy and I would never voluntarily do business with them again. They were never easy to reach, gave us voice mail numbers that were full, and had a different story every time that we talked to them. I paid them more than I owed them in order to preserve my credit, but as far as I am concerned they need to return that money to me.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Consumer complaint received 2020-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX for {$3700.00}. When I bought the vehicle I was told by the seller that it had a clean title, it passed inspection, and there were no issues. I transferred {$3500.00} to the seller on XXXX with my financial instutition, Bank of America, and the other {$250.00} I transferred through XXXX. There are two reasons why I am asking for a refund. First, when I drove the car home and got it checked out by a mechanic, I found out that the seller had taped over the Service Engine Soon light. Second, the name on the title of the car is not the same as the seller and realized he sold me a car which he did not even own, meaning I am not able to register the car at all. XXXX does not provide any support to its users for fraud or scam and I have not been able to reach Bank of America to report the scam. He committed a XXXX by title jumping ( selling a car whose title is not in his own name ) and lied to me about its current condition which I have proof of in the texts he sent me. The bill of sale he created for me was fraudulent because he forged the actual owner of the title 's signature so I am unable to provide a receipt for the purchase.
Consumer complaint received 2020-04-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Been in contact with Experian for almost 7 years to get information reported corrected they are reporting 6 accounts in error I have called, wrote letters, had companies call in and submit documentation to support claim and Experian refuse to update the following account reporting errors. XXXX, XXXX and XXXX accounts were always paid onetime never late both companies have written letters to Experian to have late payments removed and they have refused to removed late payment entries on these account ; need the following late payments removed : XXXX XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX. In addition to refusing to remove late payments they are fully aware that I am a victim of Identity Theft ; notarized police report, notarized identity theft affidavits, and letters from the companies themselves stating they did investigation and found that the accounts were not mine they copied me and sent the letters into credit bureaus as well and again Experian is the only bureau the refused to remove the following accounts in fact not only do they still report every month they update with new late payment/closed/charged off account which is making my credit score suffer a great deal. The following accounts need to be removed and blocked immediately : XXXX XXXX XXXX a total of 3 accounts ) and Timepayment. These 7 account reporting in error are making life very challenging especially with COVID-19 I can not obtain lines of credit or increases due to poor credit reporting. I am like the rest of world laid off with no income awaiting the government to send some assistance but until then I have to rely on family members and credit to survive and Experian is making it challenging due to their refusal to update/ remove the above mention account reporting.
Consumer complaint received 2022-09-14
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. (NY)

I sent a letter out on XX/XX/2022 to Experian. Here is my tracking Number : XXXX. However, the credit bureaus said they completed an investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they speak with. 

How did they complete this investigation?
Consumer complaint received 2020-07-21
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: CITIBANK, N.A. (IL)

On XX/XX/2020 there was a hard inquiry on my credit report from Cbna/bby that I do not feel is legitimate considering the circumstances surrounding the situation. 

I currently have an account with Cbna/bby, more specifically this is a credit card with Best Buy/Citibank North America. 

On XX/XX/2020 I was going over my accounts trying to see which adjustments could be made to increase my credit score. I noticed I had an option available on my Best Buy account to request an increase in my limit. With that stated, there is no mention anywhere on this page stating there will be a hard inquiry placed or if I accept a hard inquiry placed as one of the terms to request an increase. 

Since it didn't reveal that they would in fact be placing a hard inquiry, I made the increase request in hopes to raise my limit and ultimately help my score with a higher amount in my available credit limits. 

Soon thereafter I was alerted by my credit reporting accounts that Best Buy/Citibank North America did in fact make a hard inquiry to perform this request. 

Had I known this was the case, I would not have applied for an increase seeing as my balance on this card has never reached even 1/3 of my limit. 

Considering they have all of my information, approved me for a card and now see my purchase and payment activity I would have never known a hard inquiry would be made if I was never asked to accept this as a term to perform the request. 

They should have a warning on the web page if they are performing an action that is detrimental to someone's credit score.
Consumer complaint received 2020-07-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I have a 39 month lease that terminates in XX/XX/XXXX. All payments are up to date and the account is in good standing. I no longer need the car. In XXXX of XXXX, I listed the vehicle on the nationwide lease exchange known as " Swap a lease :. This site advertises for individuals to take over the lease. I have had no less that 20 offers to take over my lease. Unfortunately, Infiniti Financial Services - a division of Nissan Motor Acceptance has issued only 1 lease transfer. It took almost 6 weeks - when they finally did issues the paperwork, the buyer had moved on to another vehicle. 

Dealing with Infiniti customer service is a joke. They outright lie to you. They mis-represent and ( in my opinion ) have no intention of allowing me to transfer this lease to another individual. I keep paying every month for a car I am not using. Infiniti has no incentive to help me. I have no leverage - except to file a complaint with this CFPB.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023
Consumer complaint received 2022-09-14
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (RI)

my mortgage loan was transferred to Rushmore by XXXX XXXX mortgage loan last XX/XX/2020. I have been making payments since the transfer never missed payment and now Rushmore is sending me my monthly bill of {$4700.00} and my usually monthly is only {$1400.00}. I request Rushmore to provide me info as to how they come up with this bill. 
they have provided me it. 
This problem has been almost three ( 3 ) years now going on with XXXX XXXX but they just doing run around ... 

I have been requesting Rushmore to REFI my loan through their " STREAMLINE '' loan as suggested by RI Housing. I haven't heard from them.
Consumer complaint received 2018-07-04
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ameritech Financial (NY)

About a year ago I received a piece of mail from Ameritech financial about switching over my student loan repayments from XXXX, and that they would help lower my monthly payments based on how many people I lived with and if I made 50 payments on time they would forgive the remaining balance. They sent me a ton of forms to fill out and send back to them including forbearance, pay stubs, voided check, loan services statements, tax returns, etc. and told me they would be paying my loans going forward. The initial payment I made to them on XX/XX/17 was for XXXX. Every month following for the next 6 months I was charged XXXX. Ive paid them XXXX thus far. My student loan balance has not decreased. The interest has actually accrued from what it looks like on my statement. I had my balance down to around 30k and now its up to almost 40k. I had no idea and Im not really sure what to do about my loans now
Consumer complaint received 2018-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (PA)

I originally settled accounts several years ago with XXXX XXXX XXXX XXXX XXXX Hospital. Recently they have sold accounts to XXXX XXXX, XXXX from XXXX, Texas. They are now trying to collect on old accounts that are settled and they continually try to use false dates and continually update the dates. I have tried several times through the credit reporting bureaus to dispute this especially because no one has provided me any strict proof of this debt and none of the debt was in XXXX XXXX XXXX name and I have no obligations to them.
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation (CA)

CFPB Complaint XXXX ( which is closed ). 
The company, XXXX XXXX XXXX indicated that the matter would be resolved by them by refunding to me the money that they had charged me for the debt collection. I received an email on XX/XX/2018, stating that the money would be refunded, and a letter XX/XX/2018 stating that the money had already been refunded. 

As of XX/XX/2018 I had not received refund, and sent an email to XXXX XXXX with XXXX XXXX XXXX requesting a response by XX/XX/2018. 

XXXX XXXX replied to my email on XX/XX/2018, stating that their refund department sent the money to my account on XX/XX/2018, and to check my account.

I had XXXX on XX/XX/2018 and was unable to respond until XX/XX/2018. 

I verified no fund received in my account, and emailed my response to XXXX XXXX on XX/XX/2018. My email was immediately returned with the message " address could not be found or unable to receive mail ''. I verified email address and tried two more times. All were returned immediately with the same message. 

The telephone number given in the letter goes to the wrong company ( a sister company ), and it is impossible to get through their automated system in order to reach a live person, to get me in contact with XXXX XXXX. 

XXXX said they would refund the money, and I expect them to follow through with their statement. If they attempted to send the money to the account closed due to fraud, which they are fully aware of, then they need to correct this matter immediately. 

This behavior is unacceptable. After everything they put me through, they are now going to not refund my money. There are thousands of complaints against this company. Countless of hours lost by innocent consumers. I do not understand how they are able to remain in business, with these very obvious unethical business practices.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (MA)

Seterus Inc. is the service provider for my mortgage. I applied for a HAMP modification in XXXX and was offered a streamline modification by Seterus in XXXX. At the advice of XXXX they told me to start the streamline offer until we hear from XXXX. Apparently I have been approved. Since then, I have called to get answers on why their ( Seterus ) system has not updated my loan and they have hung up on me, put me on hold for long periods of time, and given the complete run-around when I ask direct questions. I was told by someone there, that the new modification was deleted by an unknown source and I was out of luck and if I missed payments on the streamlined offer, I would be foreclosed on. I also asked to speak with supervisors on every occasion and was rudely told that was not going to happen.
Consumer complaint received 2020-07-21
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: CITIBANK, N.A. (MI)

CITIMORTGAGE INC Failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw
Consumer complaint received 2018-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

LoanCare applied the mortgage payment for the month of XXXX and XX/XX/2018 to the wrong loan # and filed a late payment report with the credit agencies causing my credit to drop substantially. 

I contacted LoanCare and addressed the situation by providing the requested documents ( proof of payment with a bank letterhead showing the debit on the bank as well as the transaction numbers for confirmation ). 

I have contacted LoanCare multiple times ( Emailed 3 times to follow up, called 3 times ) and they have not applied the payments for XXXX and XX/XX/2018 to loan. 

During the most recent phone call, I was specifically told that my situation is being elevated to a supervisor and I would be contacted via a phone call in a couple of hours. It has officially been a week and I have yet to receive any correspondence. 

This company has made this mistake two separate times now ( promising contact for a resolution and not following up ) and have been completely unprofessional. I recommend you avoid them if possible.
Consumer complaint received 2017-08-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (MD)

I 've been trying for weeks to understand how many payments I have left to payoff my loan. No one has been able to provide a response. They 're representatives all give the same response about not being able to calculate this due to daily interest charges. It almost seems like my loan has no end date unless I pay in full all at once and I do n't have the money to do so. Also, payments made whether by debit card or bank account are n't credited to your account until days later making you accrue more interest.