davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MA)

XX/XX/2021 I settled a debt owed to XXXX XXXX XXXX, who was claiming to represent Midland Funding. I have the confirmation documentation of the payments receipt. 

Upon negotiating and receipt of payment it was understood that XXXX XXXX XXXX, would inform their client, Midland, of the payment received and under Midland 's standard " pay for deletion agreement '' the account would be removed from my credit within 30 days. This agreement was negotiated with XXXX XXXX of XXXX XXXX. 

On XX/XX/XXXX the account remained. I contact XXXX XXXX of XXXX XXXX who informed me that the fault is on Midland. She told me to call Midland. I called Midland who claimed they had no information on the account and no record of payment and told me to call XXXX. 

I have called and emailed each company over 6 times in the past 50 days. Each company is claiming they can not speak to me about the account and that I need to call the other company. XXXX XXXX has stated that she will " Reach out to management '' however has not provided any follow up correspondence. 

As it stands now : - It appears that XXXX XXXX simply pocketed my payment and is refusing to tell their client Midland.

-Midland as a result is refusing to mark the account as paid and remove from the credit bureaus. 

These actions are preventing me from obtaining a home.
Consumer complaint received 2020-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (WA)

Account servicer University Accounting Service XXXX XXXX # XXXX XXXX reported that I had a past due loan amount. I have been paying on autopay for the past year, paying {$50.00} extra per month. There was not, and has never been, a past due amount in the amount stated. Calling the company, ( a ) I was hung up on twice, ( b ) I waited on hold for more than 30 minutes, and ( c ) when I finally reached someone, I was told to " simply disregard '' the past due amount on the most recent statement. 

My concern is that this servicer 's error has affected many more borrowers than myself. It is unethical ( and potentially illegal ) to report that borrowers are PAST DUE on their accounts. It is inconceivable that I would be past due when my payments were posted and I had been paying extra for many months, even a cursory glance at my account would have shown no past due amount. 

Similarly, the servicer reported that my last payment was {$10.00}, when in fact it was {$160.00}. To the best of my knowledge, no payment for {$10.00} was ever made. 

I am yet to receive confirmation in writing that I have no past due amount, and I would like a regulator to look into this company 's practices.
Consumer complaint received 2020-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (CA)

Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulenty obtain goods or service. On XX/XX/2020 Someone illegally obtained my information and opened a XXXX account and has a past due balance of {$4100.00}. My account was sent to collections and has destroyed my credit. The collection Agency is AMSHER COLLECTION SERICES. I have contacted AMSHER and informed them this was not done by me and no consent by me was ever done. Please help me and remove this.
Consumer complaint received 2020-11-16
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. (FL)

Experian replied in my CFPB Complaint XXXX, that the request to dispute inaccuracies on MY credit report they BELIEVE was not sent by me. Well who else would have sent it? Where is the proof that I didn't send correct information to correct my credit report? Who else benefits from me correcting bad information on MY CREDIT REPORT? 

Please provide proof that it was not me or delete the information immediately. This seems like an easy way to not comply with the law by simply stating you believe I didn't send information after providing property documentation.
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

My checking account at u.s. bank was closed on XX/XX/2021 causing a payment I made previously to bounce leaving me with a penalty for the bounced payment. In the days leading up, my checking account was blocked from making transactions without prior notice and I found out when I was at the store making a purchase with people waiting behind me and my card kept getting declined even though there was enough money in my account. When I went to a branch office I was told to submit my social security card to unblock my card and I did so and they faxed it over to another department, but my account was never unblocked causing me to not be able to make purchases or withdraw money for an extended period of time. Then my checking account was closed. 

My credit card account was also later closed on XX/XX/2021 and they are not allowing me to go pick up the secured payment I used to open the credit card account. I believe my account was closed for discriminating reasons. Ive tried contacting the bank multiple times to get a reason and they are unhelpful and rude and they transfer me to multiple departments without ever giving me an answer. U.s. bank in my experience is not a good bank and they discriminate and are XXXX towards XXXX American people.
Consumer complaint received 2019-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, Transunion and XXXX all have and account originally owned by XXXX XXXX the account was bought by XXXX XXXX XXXX. I started a complaint in XX/XX/XXXX to have this account removed first it was reaged by the company stating the account was delinquent the day they purchased it from XXXX which was in XXXX now showing XXXX on my credit report all this is incorrect the account was closed with XXXX XX/XX/XXXX and was actually paid out with my state tax in filing year XXXX but this company is pursuing a collection from me, for money that was paid Direct from my tax return to XXXX so this should be removed all together for the illegal reaging and the fact that funds were sent to XXXX for this debt. Also XXXX XXXX XXXX is another account that went delinquent in XXXX as reported by XXXX in a dispute I file with them about the collection agency that purchased the account this agency was allowed to alter the dates as well to show a more recent delinquency and collection date to hinder my credit XXXX purchased this account XXXX and was allowed to alter the dates to show that date not the XXXX date that the original creditor reported to the 3 credit bureaus the 3 credit bureaus have continued to uphold the creditors side of this issue totally ignoring FCRA standards and the illegal practices of creditors to continue to change dates on old debts monthly or yearly to make them appear as if they are newer debts so they are able to remain on your credit longer the allotted time. I was unable to dispute this with a agent because I failed XXXX XXXX  which is a questionnaire formed by information provided by creditors this information is all incorrect I failed it each time because the info they have have a job listed I havent worked at for 19 years they have credit card loans I never had and personal loans I never had. They deny me access to dispute based on information from someone who is not me who provided it to them on my behalf that is the most unprofessional practice I have ever experienced in my life you dont verify the creditor but you double triple verify the person who is going to be affected by this incorrect illegal information providing process
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX. XXXX Account number XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2. also states a consumer reporting agency in can not furnish a account without my reading instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any customer report containing any of the following items or information. Any other advisers item of information, other than the records, conviction of crimes, which indicates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumers reporting agency, if the person knows or has responsible calls to believe the information was in accurate
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

Dovenmuehle is a very unorganized establishment, Ive gotten three different payment plans during the covid reliefs program. They have all been inaccurate and nobody at the company can give me a straight answer as to when Im to resume payments. Ive asked to speak to supervisors on multiple occasions and they tell me they can not transfer someone to one. I would have to schedule a call back, Ive done that and still havent received the call back a week and a half after it was scheduled. They dont take peoples lively hood into consideration. These are serious matters with very untrained unfriendly staff. Ive never missed a payment before this and dont want this to hit my credit as a late payment and ruin the track record that Ive had. Every letter has different amounts thats to be deferred, different amount of payments being deferred & different due dates. Out of three representatives, none of them have had consistent information and talked to me as if I was the problem.
Consumer complaint received 2020-10-28
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. (NJ)

On XX/XX/2018, I discovered multiple unknown accounts on my credit report, right after I had no other reason but to believe that I was a victim of Identity Theft, so I filed a Police Report and started disputing the inaccurate information on my credit report. Some months went by and I was able to remove the accounts that were not mine. Not too long ago I started receiving collection letters regarding one of the accounts that were on my report and obviously part of XXXX, I disputed with the collection agency and they stop collecting on it, unfortunately, just a few days ago I did my regular review on my credit report and found out that a new collection came up trying to collect on the same account that I had been dealing with in the past, the new collection name is XXXX XXXX XXXX
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2019-06-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (TX)

I fell on hard times due to my mom being sick and I couldn't pay the loan. These people had a debt collecter call me on XX/XX/19 asking if I could pay XXXX of the loan when the loan is only XXXX. I told the debt collector that I could not pay XXXX and whatever solution they offered I couldn't pay today at all. The debt collector told me in a harsh tone that he could tell by the way that I was talking that I wouldn't pay at all and that I waived my rights and he hung up without even letting me speak. He also asked about my cousin and I asked him what did he want know about her for, because she has nothing to do with any of this.
Consumer complaint received 2020-08-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I dehand these accounts 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 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Health Investment Company, LLC. (AL)

On XXXX XXXX XXXX I was riding as a passenger in a vehicle in XXXX, Alabama while being struck by another vehicle on the driver side. The vehicle in question that hit us stated that the accident was his fault. At the seen of the accident was a police officer that witness the event. The driver and myself was instructed to go to the hospital to make sure we did not have any severe injuries. I went to XXXX XXXX XXXX XXXX emergency room that evening. I was treated by a nurse that took XXXX, beforehand I was ask what happened. I explained about the car accident and ask if they needed my insurance card and she said no we have you on file. I found out that I had a XXXX XXXX and they wrote me several prescriptions. I then questioned the nurse that my insurance carrier is XXXX/XXXX are you sure about my insurance..Do you need it? She stated that it was on file. About a month in half later I received a collection bill through Pasi ( Professional Account Services, Inc ). XXXX XXXX XXXX, XXXX, MI XXXX for a bill totaling {$8800.00}. I contacted my attorney and he sent them a letter instructing them to bill my XXXX/XXXX of Alabama. Since that time, my wife and I have been in the process of refinancing our mortgage but needless to say, Pasi have put a Lien on our home. I contacted Pasi and they stated that they are trying to fix this issue by now filing XXXX/XXXX. We are a few days away from trying to close although our lender ca n't do anything until this Lien is lifted.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (MN)

My student loan servicer EdFinancial is misreporting my student loan balances and continuing to charge interest during a government mandated forbearance period ; this is causing my credit score to be adversely effected as well as changing my loan balances to reflect inaccurate amounts of principal and interest. I have three student loans with the same services, and two are continually adding interest, and the servicer has been making collection calls to my home.
Consumer complaint received 2021-04-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

So back in XXXX I noticed a bunch of error on my credit report. I reached out the the comapanies to fix the issue and most of them have but their are a few that still have not fixed it. 

XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX Not mine but it is reporting Bank of America account number XXXX opened XX/XX/XXXX I have been trying to reach them about this account that was opened that i was not aware off. They refused to submit documents or even report the account number so i can challenge it. 


Errors from XXXX XXXX account number : XXXX opened XX/XX/XXXX Ive had these guys and they told me that they were going to forgive the late payments due to the hardships i was having at the time.
Consumer complaint received 2020-10-28
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. (IA)

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.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2024, I mailed a dispute letter to Experian requesting an investigation into several inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

To date, I have not received any response from Experian regarding the results of this investigation. 

According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any item in their file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Experian has violated my consumer rights by failing to conduct a reasonable investigation upon receiving my dispute, as required by the FCRA. 

I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) to ensure that Experian fulfills its legal obligations and provides the necessary investigation results promptly.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX Account XXXX - XXXX just got a copy of my credit report, I noticed that you are reporting this account incorrectly. This collection account is reporting not only as " OPEN, but also a past due balance of {$2600.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account upon completion
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (OH)

I received a debit XXXX card from usbank on XXXX XXXX. I do not have an account with them or have recently opened one. I was informed from my employer that someone filed Unemployment in my name and I have gotten all of the forms in the mail from them ... PIN number, password, amount of weekly amount. I have filed with unemployment about the fraudulent claim but Im still worried there are other issues going on with my information. The address on all of my letters had the wrong house number too ... XXXX instead of XXXX. Thank you ... XXXX XXXX
Consumer complaint received 2019-06-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Social Finance, Inc. (NJ)

I had an awful day with my So-Fi personal loan today! I've always been early with all of my payments for this loan. I made an early payment- 6 weeks in advance on XX/XX/2019 for my XX/XX/2019 obligation. I logged into my account to check the balance on XX/XX/2019 and the account was posted as delinquent! After 3 phone calls and over 3 hours on the phone total, I was told by the service manager of the loan that it was So-Fi 's policy NOT to accept early scheduled payments and even though I made the correct amount of payments he said I was still delinquent. I've NEVER heard of a company that issues  loans that does not accept early payments. He said I must pay the payment that I already made or the other option was to add the payment to the end of the loan?? Makes no sense at all. Customer service is horrible, no one understands basic concepts involving payments. Also their payment page had a " select button '' clearly stating the payment was for my XX/XX/XXXX payment. Are they allowed to do this?
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the XXXX XXXX XXXX   account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by XXXX, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification. 
Attached is documents sent by XXXX, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that. 
You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification. 
I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court. 

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!