davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (WA)

Please take notice that SOUTHWEST CREDIT SYSTEMS, LP has failed to provide verification of the debt with regard to the above referenced account. Therefore, this debt must be deleted from my credit file within 30 days. 

You reported this account to the consumer reporting agencies on or about XXXX XXXX, XXXX, three days before you notified me of a debt, and you also notated that the debt was disputed with the consumer reporting agencies. You initially contacted me by letter on XXXX XXXX, XXXX notifying me of a XXXX XXXX account placed for collections. I responded to your notice requesting verification of such debt on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I requested you to close the account and cause such delinquent account to be removed from my credit file. I have received no verification of the alleged debt, and no response to my request to close the account. 

Pursuant to 15 U.S.C. Section 1692g ( b ), you are required to notify me of the name and address of the original creditor. You have failed to provide such information. In addition, you have failed to provide verification of the debt under 15 U.S.C. 1692g ( a ) ( 4 ). Because the entire debt was disputed, you have a duty under 15 U.S.C. Section 1681s-2 ( 8 ) ( E ) ( i ) to conduct an investigation with respect to the disputed information. You have failed to investigate this disputed information and provide verification thereof. Therefore, you are in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and all other applicable state law. A complaint may be filed with the Federal Trade Commission and the Washington State Attorney General, and may take legal action. 

This account must be deleted from my credit file, and this account must be closed by your office from further collection attempts within 30 days.
Consumer complaint received 2020-10-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX account # s XXXX, XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days for request of a complete investigation. 
So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this bureau about these three unverified collection accounts as of today. 

Thank you!
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

ISSUE : My old mortgage company will not give me the certificate of lien release to show that they were paid in full for the 1st lien. This is preventing me from refinancing my second mortgage/lien. 

Explanation : My home address is XXXX XXXX XXXX, XXXX, MD XXXX ( some people use XXXX  as the city ). My home is located in XXXX County, Maryland. I originally purchased my home on XX/XX/XXXX. My original lender for my first lien was XXXX XXXX ( " XXXX '' ) and they [ XXXX ] transferred my loan to First National Bank of PA ( " FNB '' ). The deed is currently under XXXX XXXX 'XXXX  name as filed with the land records dept. in XXXX County Circuit Court. I refinanced my home 's 1st lien only and closed on the refinance on XX/XX/XXXX. After I refinanced my 1st lien, I then attempted to refinance my second lien/mortgage but was told I can not do so until I have the certificate of lien release showing that XXXX XXXX or First National Bank of PA was paid in full. I then called First National Bank of PA the end of XXXX XXXX and informed them that I need a copy of the certificate of lien release. I was informed that the paper work was being processed and I should call be back next week. I then called them [ FNB ] back next week and was informed that they ( FNB ) sent my paperwork to XXXX County Land Records Dept. on XX/XX/XXXX for filing. I then called XXXX County Land Records on and was informed that they did not have any documents from FNB or XXXX. I was told to call back in a week. I called land records again today on XX/XX/XXXX and was informed they still never received the certificate of lien release from XXXX or FNB. I need assistance because I am unable to refinance my second mortgage/lien without the certificate of lien release. I was informed the paperwork was sent on XX/XX/XXXX but land records confirmed they have no backlog or delays with processing/filing documents and they said they received no paperwork from FNB or XXXX.
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (WA)

I never have had the chance to get a city bank card. So here 4 years later, I am being charged for a debt that's not mine. XXXX. How can this be repaired?
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (GA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} ; ( Original Creditor XXXX XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$410.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC (TX)

I took out a loan with BHG to help my wife start her business. The process was fast ( too fast ) and the loan was funded within a couple days. I was charged a {$3000.00} processing fee and another {$3500.00} for life insurance to secure the loan in addition to a {$1200.00} refundable fee and a {$45.00} wire transfer fee. The interest rate on the loan is a high 14 %. I decided I want to get out of this loan early and found out that they do not allow partial payments so unless I pay them $ XXXX for the $ XXXX I borrowed, I am stuck paying interest until it is paid in full. This seems really shady. I am working to cash out some equity on my home but if I'm just a few dollars short of a payoff, I'm stuck.
Consumer complaint received 2021-10-13
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax 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 creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX - XXXX Balance Owed : {$700.00}
Consumer complaint received 2020-11-16
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: Experian Information Solutions Inc. (CA)

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Consumer complaint received 2017-09-23
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: The CMI Group, Inc. (FL)

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. Credit Management Service 2. XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I have sent numerous requests to delete the old addresses that do not belong to me on my Experian and XXXX credit reports. 

The following addresses are on my XXXX  : XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX The following addresses are on my Experian : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have been sending the attached proof of address for over 6 months with dispute letters.
Consumer complaint received 2021-08-18
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. (NY)

XXXX XXXX I submitted a dispute of inaccurate information. XXXX came no response from the company. XXXX XXXX I called the company and they stated they did not receive any letter. According to usps postal services the mail was delivered and signed for. The company proceeded not to assist with removing or disputing negative remarks on my credit report that is impacting my score.
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

My issue is in regard to my loan modification. Please see the attached pages as it clearly shows I met the obligation to provide the form to my current loan servicer to receive my last incentive payment of {$5000.00} My loan transferred from Seterus in XXXX of XXXX. As the attached documents show I met the dead line of XX/XX/2019 stated on the letter to submit the Real Estate Fraud Certification by the XX/XX/2019 deadline as stated in letter and am entitled to the last {$5000.00} incentive.
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. (FL)

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND MY PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO APPLY FOR ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/21 I sent {$1000.00} deposit for a puppy that I never received through Capital One Bank through XXXX. I told them that I didn't know the person XXXX XXXX that I sent to this supposed person 's email XXXX on XX/XX/21 because that was the date I was supposed to receive the Bernedoodle puppy Named XXXX and I told them on XX/XX/21 that I was Scammed. Capital One bank said that the claim was denied on XX/XX/21, Then I called Capital One Bank on XX/XX/21 and I asked to speak to the Fraud department and I told them again that this was Fraud because I was Scammed and requested that they send me the transaction, which they did but was not legible at all and I also started a second complaint on the same matter on XX/XX/21 and on XX/XX/21 they denied me again. I just want my {$1000.00} deposit from Capital One Bank because I did send the money not knowing who XXXX XXXX was and I never received the puppy. If you look at my History with Capital One Bank, I never made a claim for any high dollar amount.
Consumer complaint received 2022-08-10
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)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-11-16
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. (AZ)

Dear CFPB, i have sent multiple letters to XXXX, Transunion, XXXX over the course of a few months. I believe i was a victim of ID theft. I attatched a copy of my ID, SSN card, FTC report, and Cover letter. Last letter was sent out XX/XX/2020. There are accounts on my credit that arent mine.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have been trying to update my personal information with Experian since XXXX, They refuse to update my name and address and employer. Every time I call the reps on the phone get smart and very rude instead of doing their jobs, they refuse to even give me the update of my dispute and simply say ... they are updated. I cant verify online and mail has not been sent. can i sue this company?? This is a huge inconvenience, I even ask multiple times for a supervisor and they refuse to transfer me, XXXX with XXXX Team that works with Experian. I spoke to him twice on XX/XX/2021 between XXXX and XXXX and he was the worse ever. Very rude unprofessional and simply expressed his opinions instead of giving me results of my disputes and updating my information I have been requesting for months. I have sent recent utility bills with current address, valid dl and my ss card. NO HELP. PLEASE HELP ME at this point I fell i have no choice but to contact my attorney. Which isn't fair to have to pay for something I should be able to rightfully do for free legally.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm reaching out because XXXX has had me down for missed payments that are incorect In addition to this, I was placed on forbearance during the period of the 6 months that the payments were placed down as " missing '' and outside of this, I've never missed payments on any of my other counts ; some I've had for years. 

XXXX is federally regulated and often completely ignores any complaint or adjustments requested but this heavily impact my life and my ability to do anything on multiple levels of my life. 

Also, I want to add that the loan was split into three loans? Why would I get a {$130.00} loan for school. 

Please, I've submitted form after form for the past 2 years This needs to be updated.
Consumer complaint received 2021-04-28
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: Experian Information Solutions Inc. (GA)

EXPERIAN IS CONTINUOUSLY REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT FILE. THIS ACCOUNT IS NOT MINE AND IS A RESULT OF IDENTITY THEFT. I HAVE BEEN IN CONSISTENT COMMUNICATION WITH THE ORIGINAL CREDITOR, XXXX XXXX. XXXX XXXX  HAS AGREED TO REMOVE THE LISTING FROM MY CREDIT FILE AND CEASE ALL COLLECTION ACTIVITY. AFTER SUBMITTING MY DISPUTE, ATTACHED WITH A LETTER FROM XXXX STATING SUCH, EXPERIAN HAS YET TO REMOVE THIS ACCOUNT. XXXX XXXX AND XXXX HAVE BOTH REMOVED THIS ACCOUNT BUT EXPERIAN HAS NOT. THIS IS NOT MY ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

Went to make my payment with many of my community store charge accounts ( recently XXXX and XXXX XXXX store credit cards ). My due date was XX/XX/2023, went to pay at XXXXXXXX XXXX, and their was a message statement saying " Please submit your payment by XXXX E.T. '' I selected my payment options, the payment schedule showing my due date, and would not let proceed, until I had to pick the date of the XXXX of XX/XX/2023. Which made my payment late! No another late fee. How can they ALL get away with these early cut off times, how is fair to the comsumers trying to keep their budgets and credit scores in good shape. I personally can not auto pay I have a tight current budget. If the DUE DATE is the XXXX then you should be considered on time! Because you paided on the correct date. The greed ... Now late fees are piling up, Same with XXXX XXXX Department stores, Just happened to my mother 4-5 months ago, And that was a nightmare completely. With them they add a late fee, if they credit it back to you it will not show up until next billing cycle, and they demand the late fee no matter what ; or your account is considered behind, what a bunch of crooks! Even though your payment were done on it's due date, but on early evening the consider it the next day! The greed, where are the Comsumers WATCHDOGS, someone needs to reel the greedy creditors in. Most comsumers are on a tight budget and the unnecessary late fees can destroy your budget V/r XXXX XXXX XXXX XXXX and XXXX XXXX XXXX