davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc. (AR)

On XX/XX/2020, I received a notice from a debt collection agency stating that I owed them {$1700.00} for a phone bill from XXXX XXXX. I reached out to XXXX XXXX  and asked them about the amount and why I was being charged for a closed account. They stated I owed them for the cell phone, that I owned, and had discontinued it from my account. They further stated that I was 4 months behind on my bill. I asked how could that be, bc they wouldve suspended my service long before it reached that point. They refrained from providing a valid answer and stated the debt was owed, and action would be taken if not paid. Shortly after, I received the bill from the collection agency, and was alerted that it had been placed on my credit report and when I checked it to confirm, my credit score had dropped significantly and it was confirmed as being on the reports. The damage caused by this fraudulent information needs to be corrected and Im asking for it to be removed and the assumed balance be XXXX out!
Consumer complaint received 2017-11-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

On XXXX XXXX, 2017 ace cash express constantly called from an unknown number stating they have an arrest warrant for me. They called all my family members including my ex husband. I will never borrow from they again because they were going to press fraudulent charges against me.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have working DILIGENTLY on my credit and Transunion seems to be working against me at every corner. I paid of one credit cards, the account is still active and in good standing, which lowered my utilization but I loss 28 points! I am so confused as to why, I should have gained MORE points not loss them.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CT)

There are 2 unauthorized hard inquiries on my credit report. 
Comenitycapital/XXXX  Inquiry from XX/XX/2019 XXXX Inquiry from XX/XX/2019 I never applied for a credit card.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OK)

We continue to receive prescreened offers of credit from Citi. It is a constant barrage of mail and advertisements coming through our mail. We do not want any credit cards through this or other companies that continue to mail to us. We are on the Opt Out of Offers list and we still receive these solicitations.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

While reviewing my credit report, there is an account listed as closed for XXXXCARE CREDIT with current payment status : In Collections/Charge-Off dated XXXX XXXX, 2013. The remarks indicate : Payment after charge off/collection purchased by another lender. I would like detailed information regarding this collections listed on my credit report. I have never received any information advising of any unpaid balances. If this information can not be provided, then I am requesting this error to be removed from my credit.
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (MO)

I'm unable to reach anyone at the number provided for this collection agency. I've never used XXXX insurance so the entry is completely unrecognized. Please remove immediately. 

XXXX XXXX  XXXX Account Number XXXX
Consumer complaint received 2018-03-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (OH)

Since GM Financial switched payment systems and companies they have failed to process payments. 
I have spent HOURS calling them trying to get my payments posted. Every month I spend more time researching my account, payments, calling them, following up, getting proof of payment and all but BEGGING for them to post the payments. 
My account is in a constant 'overdue ' status when its paid via electronic check every month. 
I was assured last week the issue was resolved, yet again, they failed to apply my payment from Thursday XX/XX/XXXX. 
I've worked with XXXX XXXX however he's just a facilitator to an endless cycle. I've lost time at work, I've lost sleep, I've had XXXX over the countless hours spent in nearly THREE MONTHS of this mess.

If this is not resolved, I will have no choice but to seek relief through court. I don't know what else to do. 
Also, this is the second complaint I've filed with the CFPB, the first complaint was 'closed by the company ' reporting that they fixed this issue. Clearly that was a false statement. 
Please do not permit this complaint to be closed without my confirmation that they've actually cured the issue. 
Thank you
Consumer complaint received 2018-03-20
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: Experian Information Solutions Inc. (NJ)

I have been trying for months to get this company to remove it's inquire from my credit report. I did not request a credit card from them, they refuse to submit documentation of proof of an application from me, despite numerous letters sent asking for this proof so that it can be review. I have put alerts on my credit reports since the breach. I want proof from this company that an application was submitted to them, if so then I can use it as proof that my information has been compromised.
Consumer complaint received 2017-11-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (NH)

I recently paid off a home equity loan with Navy Federal Credit Union. In order to pay off the loan they extorted an extra {$50.00} in fees that were never disclosed. The extra fees were not disclosed on the truth in lending statement or any of the closing documents. Navy Federal refused to remove the lien on the property unless these extra, undisclosed fees were paid.
Consumer complaint received 2018-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (IL)

I dont know this company XXXX, I just learned of this when it was added to my credit report on XX/XX/XXXX, I never been to this hospital and dont owe anything. I have medical insurance and never been to this place.
Consumer complaint received 2018-03-20
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: EQUIFAX, INC. (NJ)

I have been trying for months to get this company to remove it's inquire from my credit report. I did not request a credit card from them, they refuse to submit documentation of proof of an application from me, despite numerous letters sent asking for this proof so that it can be review. I have put alerts on my credit reports since the breach. I want proof from this company that an application was submitted to them, if so then I can use it as proof that my information has been compromised.
Consumer complaint received 2017-11-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (FL)

This complaint pertains to illegal business practices employed by PrimeLending ( XXXX XXXX ). 

They service my primary residence mortgage. 

As a result of hurricane Irma, I was granted a 3-month disaster forbearance payment deferment, which covers the months of XXXX, XXXX and XX/XX/XXXX, with regular payment resuming on XX/XX/XXXX. 

Despite my loan being put on hold, I get assaulted by daily calls, emails and default letters. I called PrimeLending several times and tried to explain that I am not supposed to make ANY payments until XX/XX/XXXX - which they have acknowledged every time while promising to end the illegal debt collection efforts. 
Despite their promises, I keep getting hit with collections calls, default letters and emails. 
The explanation I was given was " our system is outdated '' and can not stop sending those notifications despite me being on a forbearance plan. 

I plan on filling complaints with BBB and all other agencies and cousumer protection and advocacies entities to make this stop.
Consumer complaint received 2022-01-06
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: EQUIFAX, INC. (IN)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-09-23
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: EQUIFAX, INC. (LA)

I was forced to send letters again on XX/XX/21, in regards to a inaccurate, unverifiable, and unknown accounts on my credit report. 
I also resent the same letters the following day with my ID and SSN card on XX/XX/21. 
They should have received them by now and I think XXXX is just trying to stall for time b saying that they have not received my ID. Please do not waste time in deleting this inaccurate information. 
I have filed an FTC report because I have still not received the information that I asked for with the paperwork that I keep requesting. I even offered to pay some of these accounts off just to get them off of my credit even though they have never proven that these accounts are mine. You are only supposed to report information that is 100 % accurate, complete, and verifiable. This information is not accurate, they have not verified it, and it is reported incompletely. I feel like they are taking advantage of me and ignoring my disputes. I have went to the XXXX and have filed an FTC report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I have asked multiple times for an original application with my signature on it and have been ignored every time. Please remove these accounts immediately because it is hurting my ability with banking and receiving financial assistance. I really cant believe they are taking advantage of me like this. They are ruining my credit and my life. I have sent the FTC report to each bureau as well.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (TX)

I had a credit card with Navy Federal Credit Union. Together, we came upon a settlement amount of 50 % off the entire balance of debt owed. This means that I owed only {$13000.00}. After making a {$150.00} phone agreed upon payment to Navy Federal. Navy Federal failed to mail me a billing statement with an updated balance, showing the remaining amount left on the account or the payment I had made. In essence, I had no way of proving they had upheld the settlement agreement, or posted my payment.
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PH :. XXXX PH : XXXX EM : XXXX  XXXX XXXX  XXXX XXXX  XXXX Date of Birth XX/XX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I dont and havent ever had a Bank of America Accounts. No Personal or Business Savings, Checking Accounts. No Credit Cards, Home Loans, Car Loans, nor Business Loans. Nor have I ever Co-signed for anyone or applied on behalf of another person for such accounts. Nor have I ever authorized anyone to apply for such accounts or Education Loans for me. Im NOT responsible for payment of such accounts ; not even for my children. Im not and I havent ever been married. 
Thank you, XXXX XXXX
Consumer complaint received 2018-03-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have a XXXX dollar debt on my personal credit report that belongs to my ex husband. I was never a joint owner of the account I was only an authorized user without my consent and I never had the credit card in my possession. The law says a bad authorized user can not remain on my account if disputed. Ive contacted both XXXX XXXX XXXX XXXX and Equifax to remove the debt and even after disputing it it remains on my report.
Consumer complaint received 2017-11-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (OH)

1.I was steered toward a refinance cash out loan after I requested an equity line of credit loan to make repairs to my home. 

2.Loan was denied based on needed repairs revealed by the appraisal that I paid for in advance. The appraisal on XXXX was for more than the loan amount ( {$54000.00} ). I was not offered a different kind of loan or a lower amount.
3. Subsequent appraisal by a different bank on XXXX revealed a property value of {$75000.00} and no repairs needed. 

4. I believe the appraisal was rigged as a pretext. The true denial was for age and zip code bias. 

Loan App # XXXX for {$50000.00} with Navy Federal Credit Union. 
Applied on or about XXXX XXXX, XXXX. 

XXXX XXXX, mortgage processor. XXXXXXXXXXXX ; phone XXXX, ext XXXX XXXX XXXX, supervisor XXXXXXXXXXXX ; phone XXXX. 

I spoke with XXXX XXXX on or about XXXX and was told I have no recourse since I agreed that the appraisal fee was non-refundable. I assumed that it was a protection for the bank against an overstated valuation by the applicant not a device to deny a loan for their own purposes. 



XXXX
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (TN)

I had a credit card with US Bank. The credit card was opened XX/XX/XXXX and closed on XX/XX/XXXX. I no longer have the card. It says i owe {$290.00} on it and it was charged off. I keep having a derogatory 30 day late payment on my credit report every month up to the current date of XX/XX/XXXX even though the account was closed on XX/XX/XXXX. I've contacted the bank and their credit card services the see how I can resolve this but no one can find my account or how if I have a balance how to pay it so this will stop. Ive have not received any letters or bills stating an amount owed they just keep posting it to my credit report.
Consumer complaint received 2021-07-07
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: WELLS FARGO & COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JMD,LLC (CA)

A 3rd party collection agency that XXXX XXXX hired, had received the required payment as requested on a written agreement ( half of the {$890.00} owed ). In receiving this agreed amount, the company stated the account is consider fully paid and closed. Yet, XXXX XXXX still continue to report on the account and attempt in collecting.
Consumer complaint received 2021-07-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (ID)

On XX/XX/XXXX My wife and I requested a prequal letter from US Bank to purchase a home. On XXXX the Loan Originator issued and forwarded us a prequal letter with an interest rate of 3.205 %, everything was going good at this point and we looked for homes. On XX/XX/XXXX the Loan Originator sent me an email to see how the home search was going. On XX/XX/XXXX I responded to Loan Originators email indicating that the resort like retirement communities we were interested in purchasing at did not use a conventional loan for the purchase as there is a land lease agreement. On XX/XX/XXXX the Loan Originator responded indicating that they could do lease hold properties. On XX/XX/XXXX I responded to the Loan Processor that we were looking at a manufactured home in XXXX XXXX XXXX, and that the land lease was {$720.00} per month. On XX/XX/XXXX the Loan Originator requested the address of the property. On XX/XX/XXXX the Loan Originator sent us a prequal letter. On XXXX we made an offer on the property at XXXX XXXX XXXX. On XXXX the Loan Originator send an email indication that the property that we made the offer on was not eligible for financing. On XX/XX/XXXX I contacted the Loan Originators manager, she admitted that there was a mistake made on their end by the Loan processor, but, there was no process within US Bank that she could use to remedy the situation. So now, we are in a contract to purchase the home and the best finance rate we can find is 5.5 % and the monthly payment is too high, as I am XXXX and am on a fixed income.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (GA)

I have been fighting with this Navy federal about my credit in XXXX for the longest. I keep getting letters in the mail about me owing money on a credit card for {$1100.00} that I reported years ago as fraud on the acct and I have yet to get that fix. I have flied fraud 3 times and each time i keep getting letters saying its my fault. Everything I call i keep getting the run around about i need to speak to this person or that person and nobody is ever available.
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Capital Accounts. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas
Consumer complaint received 2015-07-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Trident Asset Management, L.L.C. (NC)

I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed. acct # XXXX
Consumer complaint received 2024-09-19
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

My mortgage payment was returned due to insufficient funds, being I had Fraud on my checking account and had to open a dispute with my bank.I called Carrington mortgage with no help numerous times.Just to make a new payment which I did and also showed I have disputed charges pertaining to my account for fraud.I asked to have the negative remark taken off my credit report being not due to my own fault was out of my control. After I sent Proof its being disputed for fraud which now my bank has returned funds and I showed Carrington.They said its not proof, instead of helping the customer they hurt them.I had a data breach due to Carrington so they could also be part of my fraud situation being people obtained my information from them. Terribly stressful situation they have made 10 times worst, They have numerous lawsuits all the time and I did not chose the for my mortgage and would never open and acct with them willingly, we were transferred unfortunately and nothing but problems!
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Bureau Services Association (TX)

In XX/XX/XXXX, my EX wife rented a house using my social. In XX/XX/XXXX she broke the lease and the account went into collections a few months after. For 11 years now, XXXX XXXX XXXX ( original creditor ) and CREDIT BUREAU SERVICES ASSOC ( collection agency ) continue to illegally re-age this debt, currently showing it was opened XX/XX/XXXX. In XX/XX/XXXX I was trying to purchase a home when I noticed they were STILL reporting this after 9 years. I made contact with the collection agency and informed them of their illegal practice, and they removed it from my credit. Now it is almost 11 years from the original reporting date, and it has reappeared again. I have disputed with XXXX several times over the years and it is still unresolved. I disputed again with XXXX  but am weary of the outcome.