davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

I've found the only way to get a mortgage company 's attention is to file a complaint. The reps simply do not care, and do not have the means by which to implement any type of change to the system in which they are a part. 

I just refinanced with " Amerisave '' and attempted to make my first payment for XX/XX/XXXX. 
There is no record of my payment on their site ( the means by which I made the payment. ) I have no way of knowing if payment went through. Nothing on their site reads " processing '' or that their will be a delay. 
They do not list their hours of operation on their site, which causes me to waste my valuable time with their horrible robot message system ... .forcing me to listen to 5-10 min of irrelevant info, and press no less than 5-8 different phone prompts to reach a person. After wasting 10 min doing this, I'm transferred after each press to find out the office is closed. Simply listing office hours on their site would be a help. The phone system only states XXXX, not the days of the week. 
I also tried, via two different website menus, to make an additional payment principle to my loan. Both attempts failed. I was told I could make payments of additional principle before I agreed to refinance with Amerisave. 

Why is there no record of my payment? 
Why is there no listing of office hours? 
Why can't I make an additional principle payment on website? 
Why isn't my loan number on the website? ( It's required to submit this complaint, and to use most features on site, yet it's not made available. 

I travel for work and am not at home for extended periods of time. I do not get paper statements. Can't find loan number anywhere. Yet again, I hit a brick wall trying to get any info. 

PS. I also wrote an inquiry regarding how my loan was calculated, specifically regarding how points are calculated. The point fees are added to loan figures, then calculated by taking a percentage WITH ADDED FEES ... .which is NOT how percentages are calculated. You can not add a fee then calculate fee from amount with the fee already added. Doesn't make any sense. I never received an adequate response to my inquiry. 
This is a class action lawsuit waiting to happen.
Consumer complaint received 2024-03-07
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: Bread Financial Holdings, Inc. (FL)

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Comenity Bank regarding their failure to respond to my dispute. 

On XXXX, I mailed a dispute letter to Comenity Bank to formally dispute the accuracy of the reported information related to my account. As supporting evidence, I included a copy of how this account appears on my credit report. Despite my efforts, I have not received any response from Comenity Bank to date. 

As a consumer, I have the right to dispute inaccurate information reported by creditors such as Comenity Bank. Their failure to respond to my dispute is a violation of my rights and the guidelines outlined in the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NC)

In accordance with the Fair Credit Reporting act. The account below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : CAINE WEINER Creditor Contact XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-18
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. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-07-18
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. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2020-05-30
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. (NY)

Hello To Whom It May Concern, I have been trying to fix this the past few months and now the covid 19 going around i need to be fixed more than ever. I have been using my credit karma and noticed Dept Of  Ed/XXXX late fee 's of a total of 48 on XXXX  and 54 on XXXX. I was told by the studen loan company more than once that these late fee 's will not count against my credit score since I've been there a long time and most of them are the same ones repeating since I have a few different loans. Each time I call they say the same thing that XXXX, XXXX and experian should not be showing this. I have wrote countless letters. Under the fair credit reporting act 609 this has been going on well over 90 days. I have been in contact with XXXX, XXXX  and experian also and it just goes around in circles the blame game.
Consumer complaint received 2022-07-18
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. (FL)

XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX or XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.

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
Consumer complaint received 2022-07-18
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX or XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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
Consumer complaint received 2020-05-30
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. (NY)

Hello To Whom It May Concern, I have been trying to fix this the past few months and now the covid 19 going around i need to be fixed more than ever. I have been using my XXXX XXXX and noticed Dept Of  Ed/XXXX  late fee 's of a total of 48 on transunion and 54 on XXXX. I was told by the studen loan company more than once that these late fee 's will not count against my credit score since I've been there a long time and most of them are the same ones repeating since I have a few different loans. Each time I call they say the same thing that transunion, XXXX  and XXXX  should not be showing this. I have wrote countless letters. Under the fair credit reporting act 609 this has been going on well over 90 days. I have been in contact with transunion, XXXX and XXXX  also and it just goes around in circles the blame game.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND MY CREDIT FILE HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2020-05-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC. (TN)

repeated phone calls in which I do not know this company nor have any ties to this company ( CashNetUSA ). 
XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX voicemail no message XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX no message XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX no message XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX I texted them that I am on the Do Not Call list and ask them to stop calling me
Consumer complaint received 2020-05-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MI)

Nelnet has conflicting information reported to XXXX, XXXX  and XXXX  regarding late payments on my account. I have three Nelnet accounts on my credit reports. XXXX  is reporting 10 late  payments on all three accounts. XXXX  and XXXX  are reporting 5 late payments on all three accounts. If my accounts are reported to all three bureaus, then the information should match.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. I am a victim of identity theft and did not make the charge. I request that the items be deleted to amend my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NC)

Hello, I have an account with Gemini XXXXLC crypto exchange. 

With no reason, I am not able to access my account with money worth of {$40000.00}. 

I have tried to contact XXXX without any response. 

Please can you help? 

Thanks XXXX
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank Of America prepaid card provided by the Edd Underemployment Office. I had online charges over 20 plus back to back on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All charges were for the same amount and same website. I not only had a block on my card I placed when I first received my card prior to this incident but I had added a online and international block months ago. I have reached out to the company regarding all the charges but have not had any help. I can't receive a new card without speaking to a claim rep. I'm just getting transferred over and over with absolutely nothing accomplished.
Consumer complaint received 2020-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (IL)

I canceled XXXX phone service 2-3 threes ago after moving due to a different job and then had absolutely no cellular or data coverage. Since I have a XXXX XXXX I need to have a working phone. XXXX told me via telephone that I could close the account, pay {$100.00} and return the phone and that would be all I would owe. Now three years later a credit collection for {$610.00} showed up on my credit. I have never received a call or letter in the last three years asking or telling me about money owed. 
I contested it unsuccessfully thru XXXX. 
Three years ago I did the right thing contacting XXXX multiple times to figure out how to get reliable service. It was XXXX determination that they could not make my phone work. It was their decision to have me pay {$100.00} and return the phone. Both of which I did. 

It lists Recievables Performance XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX, XXXX. Shows a partial account number of XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC (GA)

I have composed this complaint based on Collection Management furnishing information that is tarnishing my creditworthiness, emphasizing the necessity for both parties to operate in good faith. I have operated in good faith and will continue to do so. I expect Collection Management to demonstrate the same courtesy. Im going to take the time to educate Collection Management on consumer laws.

According to 15 USC 1681a ( f ), the term consumer reporting agency means any person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and who uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Did you catch the part about engaging in whole or in part? I sure did. By the federal definition I have kindly provided, Collection Management is a consumer reporting agency furnishing my consumer information to third parties, including XXXX, XXXX, and XXXX, which are also consumer reporting agencies. XXXX, XXXX, and XXXX are third parties due to the simple fact that they are separate entities from I the consumer and Collection Management.

Furthermore, since Collection Management is federally categorized as a credit reporting agency under 15 USC 1681a ( f ), my written instructions as the consumer must be followed without further delay. The written instructions of the consumer trump all forms of permissible purpose. Let me reiterate, I am invoking my rights under 15 USC 1681b ( a ) ( 2 ). I am giving clear instructions to Collection Management to delete its tradeline from my consumer report. Furthermore, now that I have educated Collection Management on its proper legal role as a consumer reporting agency under 15 USC 1681i ( a ) ( 1 ) ( a ), Collection Management has to launch an investigation into my dispute and disclose the results of the investigation no later than 30 days from receipt of this complaint. Failure to launch an investigation and follow my written instruction will be willful non-compliance under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), and under this provision, I am entitled to {$1000.00} per violation. Needless to say, Collection Management has racked up quite a few violations. I expect my written instructions to be followed immediately! I am fed up with Collection Managements actions that are directly affecting my reputation and creditworthiness. Let me remind Collection Management that we are communicating through a government agency website. Please keep in mind what I said earlier about operating in good faith.
Consumer complaint received 2020-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (IL)

I made a report with the police I made a report on identity theft. Gov I reached out to the email that was giving by mr.XXXX & still no response its almost been a month mr XXXX was very rude when I asked for info tried to tell me he spoke to me about living in a unit after I told him I did not it was fraud he kept going instead of getting me a manager he says youll be contacted I sent the e-mail to the manager on XX/XX/20
Consumer complaint received 2020-05-30
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. (CA)

Experian continues to report a negative XXXX account that is reporting inaccurate information. Experian has refused to due a proper investigation on this account by not allowing me to dispute the inaccurate information.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we did not agree upon and I did not sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so the did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I am entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (UT)

US bank has failed to provide any assistance to waiving interest due to job loss due to covid-19 or waiver of payments. They expected me to pay a minimum payment of {$780.00} in XXXX and I filed a complaint with the XXXX  as other credit lenders has resources for those who have lost their jobs due to covid-19. US Bank has also failed to honor the Cares act by reporting inaccurate information on my credit reports. Inaccurate balances and inaccurate payments owed that do not reflect covid-19 assistance. Additionally I would like the fees for the checking account removed as a courtesy as I havent been working and would like the checking account closed.
Consumer complaint received 2022-07-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a fraudulent charge of {$5.00} on my credit card. I reported this several times, being referred and transferred endlessly to various departments and nothing has been done by Bank of America. As a result, my account is delinquent, they have substantially reduced my credit limit and I have now got a negative report on my credit score. I would have simply sucked it up and paid the fraudulent charge, but I now refuse to on principle. Bank of America need to fix this and apologize.
Consumer complaint received 2020-05-30
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. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2022-07-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XX/XX/2022, I sent a letter to Equifax and posted it on this site as well, with a concern that my personal information was inaccurate. Please ask them to correct my name.