davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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. (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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2015-07-07
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WESTERN UNION COMPANY, THE (FL)

1. Wester Union have money transfer program from a Bank account to Bank Account for no charge but it never works. 
2. Alternatively you will pay {$5.00} for money to be picked up at Western Union. Once I did that it put money on hold, and is asking for receiver scanned photo ID, which if I knew before committing to transaction would have canceled it. Now Western Union will not cancel the transaction without a written letter of explanation.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I have disputed the student loan account with the credit bureaus for several attempts to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is ridiculous..Please delete XXXX XXXX XXXX
Consumer complaint received 2015-05-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

XXXX XXXX XXXX has placed the account multiple times to different agencies for the debt I did not owe. I have already settled this account with XXXX different collection agencies 1 ) XXXX for {$56.00} on XX/XX/XXXX and 2 ) XXXX on XX/XX/XXXX for {$56.00}. The same account is now again placed with DCI for {$39.00}. I wrote to DCI that I do not owe this debt but despite my letter, they have placed this account with credit reporting companies. My multiple request to XXXX XXXX XXXX to justify why they have this past due account did not come with any information or justification. There seems to be various account numbers on these debts and all refer to my phone number XXXX which is being paid every month. 

I need your help to sort this matter with XXXX and their collection agencies which are cheating customers to pay of debts not owed to them. 

Please let me know if you need more information. 

Thanks, XXXX
Consumer complaint received 2015-12-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (TN)

I contacted the lender at Advance America and let her know about my financial hardship situation. She processed the court papers and had a third party call my uncle and my friend about getting the papers processed. I have stayed in contact with them about my loans. I keep getting harassing phone calls from them more than one a month. my uncle, mom and friend recieve phone calls from a third party in Texas for Advance America.
Consumer complaint received 2015-12-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA)

Please forgive me for not remember exact dates. 

Sometime around XXXX XXXX, 2014, someone had gotten my debit card number. They then used this number to order food from XXXX. I was completely oblivious to the fact at the time. Both my income and my fiancee 's income were going into the same bank account, and we both had debit cards on the XXXX account. Meaning lots of charges were made each day ranging from {$3.00} to $ XXXX. I rarely checked the actual statements, just the balance from my mobile app. 

The person first started using this card on XXXX XXXX, 2014. They used it sparingly at first, every couple of days. Seeing around {$20.00} every couple days was not a red flag for me, since we were both using the cards every day. This went on for four months. Sometime around XXXX XXXX, when the person was full blown ordering XXXX a day, sometimes XXXX, I noticed that the amount I could have sworn should have been in my bank account was much much lower. So I investigated. I saw these XXXX charges ( see the XXXX pages of charges attached ) and immediately asked my fiancee. He was not ordering from that website. I called the bank and told them to cancel the card and file a fraud statement, I called XXXX, and I also went down to the police station to file a police report. A few days later I check the account again, more charges from XXXX. The bank had failed to cancel the card like they had stated they did and more charges were made. They finally cancelled the card and the last charge from XXXX was made on XXXX XXXX, 2014. 

So, After much hassle I fill out and mail in the affidavits for the fraudulent charges and wait some months for the funds to be put back into my account. The total amount of fraudulent charges made was {$1500.00} ( see attached sheet of replaced funds ). I start seeing charges being refunded, but not nearly as many as there should be. So I called the bank again and they told me something shocking. They will only replace the charges that were made within 60 days of the FIRST fraudulent charge. Meaning, they refunded {$610.00} and I was out {$920.00}. They would n't even refund the charges made after they were supposed to have " cancelled '' the debit card. How is this fair practice? I called many times after demanding to speak with a supervisor and they all told me the same thing. This is absolutely unfair practice.
Consumer complaint received 2022-02-04
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. (FL)

I HAVE BEEN DISPUTING SEVERAL ACCOUNTS WITH EXPERIAN AND XXXX FOR OVER 6 MONTHS YET I CONSTANTLY KEEP GETTING UPDATED " RESULTS '' WITH NO CHANGES OR PROOF OF AN ACTUAL INVESTIGATION. THESE ACCOUNTS THAT I HAVE REPORTED TO THEM ARE IN FCRA VIOLATION AND NEED TO BE DELETED FROM MY CREDIT REPORT. I HAVE SENT DISPUTE LETTERS WITH ATTACHED PROOF OF THE ERRORS YET THESE ACCOUNTS REMAIN.
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (PA)

I started my mortgage with XXXX XXXX XXXX. At the time of the mortgage, i had my taxes and insurance paid through the payment. When the file was transferred to OCWEN, for reason 's unknown, my taxes were not paid through my payments. Now, according to OCWEN, I owe about {$30000.00} or more on my mortgage. I filed chapter XXXX bankruptcy and moved it to a Chapter XXXX, which is now dismissed. I am in the process of modifying my loan with OCWEN, but I do n't really understand how my balance became so large, and how my payment became so large. I would like a full accounting of the loan from the time it was transferred to OCWEN to now.
Consumer complaint received 2015-11-20
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (SC)

Western Union is refusing to release funds of a money transfer and has given no good explanation other than " needs further validation ''. We, sender and receiver, contacted customer support repeatedly, even provided a letter from bank attesting that funds were released to WU on schedule - but not to avail. I attach the email from the money sender to WU with relevant details.
Consumer complaint received 2022-07-20
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. (IL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Credit Bureaus are required to remove any items not later than 4 business days after the XX/XX/XXXX letter. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$51.00} ; XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX  XXXX Balance Owed : {$70.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX  Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ;
Consumer complaint received 2015-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CO)

XXXX XXXX, 2010 CitiMortgage, Inc. recorded a judgment on me in the County Courthouse. I have paid all the money to CitiMortgage , Inc . They refuse to release the judgment from the courthouse. This is stopping me from selling my house. CM tells me the lawyer who recorded has to release. The lawyer tells me CM took the account from them and they have no authority to release.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

This is a list of accounts that should be taken off of my credit report they are listed under regular inquires : 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 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 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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is a very long list and I don't know how they got some of these firms on this list but I know that they are not mine and they should be removed.
Consumer complaint received 2022-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2 (CA)

This debt by PERSLOV LLC was idetified as link to Idenity theft 4 years ago all accounts were resloved with the bueuros but this company PERSOLVE LLC has reported it.
Consumer complaint received 2022-02-04
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: 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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

NELNET LOAN SERVICES is reporting on my personal credit file. This just proves your lack of proper record keeping. Now, these items are reported to be 120 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that these accounts were paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove them immediately. 

( NELNET LOAN SERVICES XXXX, NELNET LOAN SERVICES XXXX )
Consumer complaint received 2015-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (KY)

5 years ago I fell 2 months behind on my mortgage. I reached out to my lender, Bayview Loan Servicing LLC, for assistance and they told me I was ok and that when I fell to 3 months behind they had programs and options available to help me with my financial situation. The day I hit the 3 month behind mark, I called the lender to make a payment and schedule the remaining XXXX late payments for XXXX weeks later via automatic withdraw to bring the account current, only to find out that I was being processed for foreclosure. Unfortunately my situation required a chapter XXXX bankruptcy ( the debt was mine and I should be responsible for paying it back, not wiped clean and given a free ride ). Since filing for bankruptcy, I have made every monthly payment to my current mortgage lender, Bayview Loan Servicing LLC, ( sometimes a little more ) for the last 5 years as per my chapter XXXX bankruptcy requirements. I have the receipts and or conformation numbers to verify each payment. Twice during the bankruptcy Bayview incurred debt on my behalf without my permission ( they paid my property taxes when I have never had an escrow ). They attempted to have my bankruptcy discharged stating I was 6 months behind, again we had the receipts to prove their accusation wrong. As of the end of XXXX 2015 I have been released from my bankruptcy as paid in full. I just attempted to refinance under a VA loan and much to my surprise Bayview is reporting me as delinquent, again we have made each monthly payment with receipt to verify, as recently as XXXX 2015 even thought they say I have a XXXX $ credit. Bayview Loan Servicing LLC even sent a letter to the bankruptcy trustees stating we were current on our loan. As a result of their improper reporting habits I can not refinance under any loan to get out from their 9 % interest rate. Can someone please help resolve our issue? I have been fighting with this company for years now. Research has shown Bayview Loan Servicing LLC to have terrible consumer relations and would appear they are in the business of forcing people out of their homes.
Consumer complaint received 2023-04-03
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-20
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. (NY)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Transunion Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct 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 Commission 's IdentityTheft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide with the exact source where you received such information, so I may take appropriate legal action
Consumer complaint received 2016-03-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC (TX)

On XXXX XXXX, XXXX, I disputed a collection item listed on my XXXX credit report for Financial Control Services ( XXXX XXXX XXXX. ), last reported XXXX XXXX, XXXX in the amount of {$250.00} through Experian, control number XXXX. At this point in time, the investigation is ongoing. 

I was alerted to a change in my credit report by a monitoring service. The change to my credit report included a new collection item from Financial Control Services last reported XXXX XXXX, XXXX in the amount of {$250.00}. 

I believe that this new item was added in an effort to circumvent the Fair Credit Reporting Act. I believe Financial Control Services ' and XXXX XXXX XXXX 's intent was to allow the CRA to delete the original dispute to avoid having to complete a reasonable investigation as dictated by FCRA by inserting the new collection item. 

The new item reported on XXXX XXXX, XXXX was disputed with Equifax, control number XXXX. In addition, I submitted a complaint with the CFPB regarding the duplicate collection item and XXXX lack of controls that allowed a data furnisher to report a duplicate collection item while the original item is currently under investigation, CFPB complaint number XXXX.
Consumer complaint received 2022-07-20
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. (NY)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct 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 Commission 's IdentityTheft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX showing XXXX my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide with the exact source where you received such information, so I may take appropriate legal action
Consumer complaint received 2017-01-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (SC)

BBVA COMPASS IS FINALLY RESEARCHING MY PROBLEM, ALTHOUGH THEY HAVE NOW TAKEN OVER 90 DAYS WITH MY COMPLAINT AND THERE ONLY RESPONSE IS THAT THEY ARE LOOKING INTO AND WILL BE IN TOUCH WITHIN 60 MORE DAYS. THAT IS 5 MONTHS.