davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-04
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: ALLY FINANCIAL INC. (TX)

Ally has intentionally reported an inaccurate charge off on my credit report even after I 've provided them with proof my car payments were deferred. On XXXX XXXX, XXXX, my car was declared a total loss due to the flooding in XXXX, TX which was declared a natural disaster. I 've even continued to make my monthly payment until I noticed the online portal displayed my next payment was n't due until XXXX XXXX took it a step further and decided to contact Ally to confirm this was correct. The rep reassured me that this was correct and not to worry about payments until XXXX. This is because my insurance company paid off XXXX but I was left with a remaining balance of about $ XXXX since I did n't have GAP coverage. I take full accountability for the amount owed! 
Months later, in XXXX XXXX, I started receiving calls that I needed to start making monthly payments immediately. I advised the rep that my payment were deferred and they stated that I was originally given the wrong information. I informed Ally that I 've taken on another car loan and could n't afford to pay on it at the moment but will pay what I can since my payment were technically deferred. No one from Ally has wanted to take accountability and accommodate me with what I was originally told. I 've even provided Ally proof of the information displayed on their website at the time and asked them to pull the calls. Ally has done nothing but advised me to contact the credit bureau to have the charge off removed. I 've last spoke with XXXX from Ally on XXXX XXXX, XXXX at XXXX. Her contact number is XXXX XXXX. We were trying to come to a payment agreement but unfortunately, I could n't afford to pay the large lump sum payment she requested. However, I did pay {$94.00} towards the balance. Even in this conversation, she told me to contact the credit bureaus to have them remove the charge off because nothing can be done on her end. Prior to contacting XXXX, I 've already submitted multiple disputes online. I 've even sent letters to each credit bureau via certified mail on XXXX XXXX, XXXX and they continue to leave the same remarks " Charge off, customer disputes after resolution, meets FCRA requirements. '' I 'm convinced the credit bureaus has n't even investigated this matter because the information is still being report inaccurately although I 've presented the credit bureaus and Ally with the burden of proof to justify my claim. Its sad because I was a loyal customer with Ally and never missed a payment before my car was totaled. Once this remaining balance is paid off, I will never use Ally and will likely spread the word of how this company operates unethically.
Consumer complaint received 2017-10-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sortis Financial, Inc. (FL)

ClearSpring Loan Services provided a mortgage payoff statement showing {$68000.00} was due in order to complete a refinance of the mortgage and pay off the existing loan. The payoff was provided on XXXX/XXXX/XXXX and was good through XXXX/XXXX/XXXX. The refinance closed on XXXX/XXXX/XXXX and the full amount XXXX {$68000.00} XXXX was sent to ClearSpring Loan Services. A few weeks later they began calling me saying i still owed $ XXXX. However, they will not provide details as to what that $ XXXX relates to. They wont provide a detailed statement, but instead are requesting payment in order to prevent my account going to collections and negatively impacting my credit score. I just called them again today in return to another one of their calls and they are still unable to say what the $ XXXX due relates to. I have a copy of the payoff statement they provided and proof those funds were provided to ClearSprings. At this point i dont know what else to do.
Consumer complaint received 2021-10-09
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: USCB, Inc. (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2017-09-04
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: Experian Information Solutions Inc. (VA)

I send a dispute letter to Experian on XX/XX/XXXX and Experian ingored it while the XXXX response to my letter which was send 2 days after i notified Experian. 
When i tried to dispute online experiance refuse to dispute the information while XXXX did send them through investigation and deleted two of them. 
I learned that experian is notorious for not properly and throughly investigating consumer disputes and i want the CFPB to take notes about experian bad practices. 
The following are the account that experian is not disputing : XXXX XXXX XXXX .... Deleted by XXXX and Experian refused to thoroughly investigated it. 
XXXX XXXX XXXX XXXX .... 
XXXX XXXX .... 
XXXX XXXX XXXX  XXXX .... Deleted by XXXX and experian refused to investigated it.
Consumer complaint received 2020-11-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (OR)

Call from XXXX XXXX XXXX XXXX. Time and date : XXXX, XXXX XXXX, 2020 ; XXXX XXXX. Unanswered. Left no message. Unrecognized number. I called back on a computer VOIP, pressed 1 for English, and a man answered : " [ Unintelligible ] debt agency. '' I disconnected. In an attempt to hear the name, I called again via VOIP hours later. This time, a man immediately said, " May I have the phone number where you received a call from us? '' He did not name the " business ''. I disconnected. This is an unknown number, unknown cause, and scammy lack of leaving a message. The site " ReportedCalls '', XXXX  : XXXX, shows " XXXX XXXX XXXX XXXX  XXXX and 10 complaints to FTC. However, this was not the name given. ( And in second call, no name was given. ) I suspect XXXX XXXX, about which I also filed a complaint for unknown unsubstantiated calls, " sold '' my number to this scammer after the complaint.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Early Warning Services, LLC (NJ)

what has happened I had a checking account with XXXX my auto insurance XXXX when in to my bank account and automatic debit my payment out I believe it was for XXXX well I do n't have overdraft protection. XXXX XXXX paid XXXX XXXX any way so when I got the notices I called to make a payment settlement to pay this debit back to them my brother had a XXXX and I had to relocated with him and was out of work but I called XXXX XXXX and we agreed on a payment arrangement and I paid it off. but they then reported me to early warning system CONSUMER ID XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Afther I paid them so I can not open a bank account any were and on top of that they but it with a collection services name XXXX XXXX XXXX XXXX XXXX, ma XXXX file # XXXX pin # XXXX for XXXX that was unfair I am in dispute with XXXX but XXXX XXXX lied to me I paid them and this is what they did I asked them not to put it in collections I will pay it it was a hardship for me but they broke the deal and put it in collection and early warning system making it so I can never open a bank account again if you can help I will be thankful XXXX XXXX XXXX
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As of XXXX XXXX I check my credit report with Transunion, XXXX and XXXX and there is unauthorize hard inquiries from XXXX. 
There is also 9 hard unauthorize inquiries on Transunion, and 13 hard inquiries on XXXX and 4 on XXXX. 

I have been disputing with XXXX, XXXX and XXXX but credit reporting agencies refuses to delete all unauthorize hard inquiries from my credit reports. 

I am XXXX Lifetime, XXXX.
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OK)

Why do you not pay attention? I made a second bank wire on XX/XX/XXXX. They still have not acknowledged receiving my XX/XX/XXXX payment. They have my money and have not applied it to my loan. Their bank XXXX XXXX acknowledge receiving it. And they have reported me " missed payment '' twice until I made two payments in XXXX XXXX. In my first complaint that they did n't respond to and you closed I submitted the three bank wire documents, the one with XXXX XXXX payment, the one with XXXX XXXX payment, and one from XXXX XXXX  stating they received the XXXX XXXX payment. Do I have to keep submitting complaints until someone at CFPB does their job? Who do I report you to? I will for the third time upload these documents in this my third complaint because you did n't do what tax payers are paying your salary to do. Make them acknowledge receiving my money apply it to my loan or give it back. If you will read and pay attention to the information on each document will see that there is a wire for XXXX XXXX and for XXXX XXXX and the third document is a response from XXXX XXXX acknowledging receipt of the XXXX payment. Something you and Rushmore refuses to do.
Consumer complaint received 2020-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

Last night I Bought around 2k in bitcoin from Coinbase which went up 420 % bringing it to around XXXX. 
They wont let me contact them for identity verification and they are all around ignoring me. They dont even open my cases and locked/closed my account considering i cant get in
Consumer complaint received 2018-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc. (CA)

On XX/XX/XXXX, I contacted XXXX XXXX, Manager, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, PA, XXXX via email at XXXX. I informed her I was ready to settle and pay the {$190.00} this Friday, XX/XX/2018 but my credit report will need to mention " Paid '' as oppose to " Settle ''. She told me she couldn't do that and XXXX XXXX needed to make this decision. I asked her to forward my request to XXXX XXXX but she refused. I contacted the collections department at XXXX XXXX over the phone and the representative told me that the collection agency needed to do enter the " PAID '' on my credit report. I attempted on multiple occasions to talk to a manager but no help from XXXX XXXX XXXX XXXX. nor XXXX Bank.
Consumer complaint received 2017-10-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (VA)

XXXX XXXX has called me multiple times a day for 3+ weeks  - they leave a voicemail that they are a debt collector and I need to call them back. They leave no details about my debt, nor have they provided a validation notice. I do not have, nor have I ever had debt that needs to be collected. I verified this on my credit report. 

I never answer and I never call back because I know that encourages scammers knowing that I am responsive. I do n't know how to stop the calls and they are causing me significant stress. 

Their number : XXXX
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these illegal inquiries are reported illegally on my XXXX XXXX report, XXXX report, XXXX report, and Trans Union report. It must be removed ASAP. Also, my XXXX XXXX report has many errors including my date of birth of XXXX XXXX XXXX  which is in accurate it must be deleted because my correct date of birth is XXXX XXXX XXXX, my XXXX XXXX has many addresses which are all in accurate. My only correct address is XXXXXXXX XXXX XXXX XXXX XXXX MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Consumer complaint received 2022-09-08
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. (AL)

I was un rightfully denied credit under title '' 15 subsection 16:11 '', " false and misleading denial of my own credit '' USC code 15 16-11. I formally request written response in 72 hrs, or I would like to speak to the underwriter of this account. Thanks
Consumer complaint received 2022-03-07
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-01-31
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (GA)

I have two areas to address here against Credit Karma.

I feel as if Credit Karma has deprived me of a fair opportunity to obtain credit. I received numerous offers from Credit Karma via email and online portal, advertising offers to Pre-Approvals and Approved card statuses. I applied for my opportunity resulting in inquiries and denials. Credit Karma states that their offers won't impact your credit, when in fact they do. Each denial I received is a denial to me and a gain to others, for the use of my social security, and this is done WITHOUT a gain to me. Credit Karma you have deceived me if this is a credit monitoring service as advertised, whoever assigned to my Credit Karma online profile, should have known what my report looks like, stating I was approved or preapproved for a loan and being denied wasnt an uplifting nor fair moment and I fault Credit Karma for that.

This is the second deceptive experience I have faced with Credit Karma.

Credit Karma 's online profile is displaying false credit information from cred
it reporting agency XXXX XXXX. ( Please see attached documents ). Credit Karma has not contacted me at any time to verify if the information that is being displayed is accurate. You update misinformation. Credit Karma possesses 0 consent from me to publish, furnish, or display an inaccurate credit report by any Credit Reporting Agency. I feel this is slander towards my character. Credit Karma has possession of false information without proper consent, this information is seen amongst Credit Karma employees, and online support. I count 0 wet inked signed documents Credit Karma has of my latest dispute with XXXX XXXX. This causes mental anguish on my part. My credit report will show that I try my best to maintain a fair report, with deceptive approval offers this caused me to receive denials from the same institution that Credit Karama Approved and Pre-Approved me for. This is not fair!
Consumer complaint received 2023-01-27
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: HYUNDAI CAPITAL AMERICA (TX)

On my credit report Hyundai motor finance is reporting a CHARGE OFF. My car was totaled and insurance sent Hyundai a full payment. I also had XXXX XXXX which sent a payment to hyundai as well. Hyundai sent me many STATEMENTS in the mail showing I owed XXXX dollars and that my payments were UP TO DATE. I made a final payment to Hyundai ( the balance owed from gap and insurance ) and the account was closed successfully. I reached out to Hyundai and let them know they were incorrectly reporting a charge off, I spoke with XXXX XX/XX/2021 and she said she see in their system that I was never late on payments and a charge off should have never been submitted on my account. She said to report it to the bureaus and they will correct it. I reported to XXXX, XXXX, and XXXX  and all of them were unable to fix the error and failed to validate the information. I even submitted the statements showing up to date payments which contradicts the first date of delinquency!
Consumer complaint received 2021-10-09
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: CL Holdings LLC (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2017-10-17
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. (NC)

I have disputed this Account on many occasions with Equifax, XXXX and XXXX  about the Inaccurate reporting and each time it comes back as verified. I have sent an email to XXXX XXXX XXXX regarding this issue and have n't gotten a response back from them. 
Date of first delinquency show XXXX Monthly Reporting history show XXXX
Consumer complaint received 2017-09-03
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: Residential Credit Solutions, Inc. (MA)

I disputed an Adverse Account on Credit report file # XXXX by XXXX XXXX XXXX ( XXXX ). 
My Loan was to be paid by XXXX XXXX, XXXX XXXX XXXX, XXXX Co XXXX.who never changed the mortgage holder after they were notified XX/XX/XXXX from XXXX XXXX to XXXX. My mortgage payments were made from my XXXX XXXX checking automatically bi weekly to XXXX XXXX. I have copies of bank statements verifying these payments. XXXX XXXX continued to pay XXXX XXXX in error by their own statements and had written to XXXX of their error and that it would be resolved. I was worried about my credit report because even though XXXX was notified of the error and said I would not be reported as late, they reported me to XXXX as delinquent from XX/XX/XXXX to XX/XX/XXXX. As it turned my perfect credit was marred by this error, of which was not my failure to pay, but XXXX error and it was compounded by XXXX 's failure to cooperate with all my requests and correspondance from XXXX XXXX. They were keep in the loop during the entire 7 month period by voice, email and fax by myself and XXXX XXXX who had taken full responsibility.