davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (MD)

XXXX did not look into the fact that this is a write off by Santander. The original creditor ( Santander ) has determined that this is a charge off ( written off ), and a close out. Which in turn means that the original creditor can not take any further collection action after close out, including selling the debt to another agency, and if required by XXXX XXXX and regulations must report closed out debt to the IRS. 
The fact that Santander wrote this debt off as a charge off means that Santander reported this debt as a loss to the IRS. Therefore this means that no further payments are due. In addition : the balance reflects a XXXX balance on credit reporting agency reports. Santander could not legally sell this debt, therefore they have violated my privacy by selling my information to XXXX, and XXXX has violated The Fair Debt Collection Practices Act by not validating the debt collection accuracy and or legality. Santander May also be in violation of other laws if in fact they did sell a debt to XXXX and collected any money from that sale, after reporting it as a loss to the IRS
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (IL)

I have been reaching out to these companys regareting me being a victim of Identity theft and they have not helped me. I have wrote letters regarding these accounts to get removed off my credit report. I have not been able to get any response or help.
Consumer complaint received 2022-03-08
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. (FL)

I submitted a XXXX XXXX along with Police Report and EXPERIAN will not block or remove claiming that the debt is valid when it is because of identity theft. I also included my lawyers information they allowed the debt to remain based on NON-FACTUAL misquoting of section 605b of the FCRA and refuse to investigate. Therefor allowing inaccurate information to remain which has caused me a position in a major corporation due to the credit file being inaccurate. 

They claim which is not true : The request to block information was based on a material misrepresentation You have agreed in writing that the information was blocked in error You knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. 
If you still believe the item is the result of identity theft, you may provide us a dispute statement of up to 100 words for us to include in your credit report.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

Reference : Loan # XXXX Shell Point Mortgage XXXX XXXX XXXX I am very sick and tired missing with my Mortgage Lender. I have in my 20+ yrs been thru XXXX other mortgage loan modification and both have been very simple and easy. I need for Shell Point Mortgage to provide me an Amortization Schedule in clear cut understanding language. First Shell Point has added {$7000.00} for taxes i paid myself on property taxes and they are taking forever to remove that off the principal balance and i am paying interest on. Second they added {$2000.00} deferred for what?? No earth idea why and never explained to me. Last prior to starting my Loan Mod. my balance was $ XXXX and not its $ XXXX???? I see {$8000.00} added and from where??????? 

We need some investigation on this file ASAP!!!
Consumer complaint received 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Yes, CFPB I am filing this complaint for myself. I know that you all are good at trying to use a stall tactic thinking a consumer has had a third-party company help them with their complaint. But Naw I know my rights and have read about the laws sorry that I have common sense to help myself with such matter. On XX/XX/2022, I submitted a letter to TransUnion and proof of the inaccuracies on my credit report and have yet to hear anything from them. I have seen on the credit monitoring service that I used that all they did was change one month of a late payment to another. I want them to provide me proof of who they verified this account with and what method was used. I have made Transunion aware on numerous occasions that I do not consent to e-Oscar or any other type of automated methods. Today is XXXX XXXX and nothing. Sometimes they would e-mail something regarding their dispute or sometimes by mail I guess it's however they feel on whatever day. TransUnion has violated my rights as a consumer to verify my account with honesty and they have failed to do so. This account has several violations and inaccuracies, and the proof is going to be added with this complaint for deletions due to FDCPA Section 807 Violation Misleading False Reporting and also not being in compliance with METRO 2. I need this account to be deleted immediately.
Consumer complaint received 2022-03-08
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NY)

XX/XX/2022, i called PHH MORTGAGE CORPORATION to request verification of the alleged debt as no contract between the parties nor was any money including but not limited to, Commercial Bank Money was ever issued to any party and PHH MORTGAGE CORPORATION is refusing to present the original note with valid signatures, an audit trail of all accounting including but not limited to the origination of alleged money and how it was transferred and its trail nor is PHH MORTGAGE CORPORATION and its representatives willing to verify via affidavit of their claim by man or woman ; yet, have unlawfully presented forged documents in order to unlawfully collect on a debt not owed.
Consumer complaint received 2022-03-08
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. (VA)

I, The consumer never gave any written consent to report anything on my consumer report. No consent is identity theft. Having these in accuracies has caused me to lose confidence in the banking system.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc (GA)

Several accounts are inaccurately reported on my XXXX report. The XXXX XXXX XXXX was already removed from the other credit bureaus as well as the XXXX report. It was removed on XX/XX/2021 but reappeared on my credit report in XX/XX/2021, which has led to much emotional and financial stress when trying to use my credit for personal and business reasons. I completely paid and closed the XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX it inaccurately reports that I owe {$XXXX} now. Last week, it did not report that account or amount. I never owed a charge-off of {XXXX at Regions and they never told me that I owed anything or charged-off any amount. I have ten inquiries on this report and submitted my FTC report showing I did not inquire about XXXX, XXXX XXXX, US Dpt of Education, and XXXX XXXX, XXXX XXXX. I also contacted the XXXX  and Attorney General 's Office as well as contacted each company with legal documentation requesting the accounts be removed from my account for violating multiple FCRA violations. Documentation is attached.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (HI)

Shellpoint Mortgage Servicing, after a CARES Act, COVID-related forbearance, tried to get me to enter into a modification without providing me with information about the fact that my credit score would be ruined, and they reported me late on the forbearance amount without my written approval ( i.e., I never agreed to the modification ), and when I realized the XXXX point drop in my credit score occurred, I asked to have the amount on forbearance deferred, which should not result in an impact on my credit score. That deferment has been completed. During the entire process I have tried to explain this to XXXX through the dispute process, and with Shellpoint, to at least 7 people who all refuse to listen, and simply refer me to XXXX, claiming it is their problem. XXXX tells me it is the mortgage company 's issue, since they reported the modification and that resulted in the point drop. I am very frustrated that this has ruined my credit, which was approx. 125 point higher, and consistently in the very good to excellent category for the past 20 years, until this situation caused by Shellpoint occurred. Shellpoint Mortgage Servicing has also changed from XXXX, to NewRez, to Shellpoint and had many impediments to communicating with me, and vice versa for the past 2 years, exacerbating the situation. One of the specialists that I have worked with, XXXX XXXX, at Shellpoint confided with me that my situation is not atypical, and Shellpoint as a company is customarily doing the same thing to many of their customers, i.e., tricking them into accepting a modification and then condemning them to a dramatically damaged credit rating, which prevents them from seeking another loan from one of their banking competitors. This unfair business practice is a violation of the intent of the CARES Act, which was to allow relief to borrowers during the Global Pandemic, allowing them to reinitiate their payments after the emergency had passed, without detrimental affects on their credit rating, etc. I know I am speaking on behalf of hundreds, if not thousands of borrowers with Shellpoint who once had good credit, and are now stuck with this treacherous and predatory lender. I would like the CFPB to share this complaint with others so that they may avoid this lender, their deceptive practices, and indeed know that they have recourse with the CFPB 's protections and actions. Thank you for your help!
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Profit Recovery, Inc., Marlborough, MA Branch (AR)

I am a veteran, I was given a phone number to call and schedule me an appointment for an increase on my claim/XXXX. I had requested an appointment and then received my appointments and I also had to se a XXXX  during a facetime interview. There was nothing signed. I reached and made this appointments my self. I was later notified and harassed by this person name XXXX who told me to XXXX  him payments XXXX  name ( $ XXXX ). Payment XXXX XXXX he received XXXX. 
He was able to see my medical files and tell me about my claims without my knowledge, breaking every chain of HIPPA. He has sent information to the collection company named American profit Recovery Inc. for an amount of XXXX. This is not only fraudulent ; harassments ; this man nor company did nothing. He was able to contact me and tell me I received a 100 % on my XXXX thorough VA. That alone is a HIPPA Violation. I had to put extra security on my accounts because he was able to see them. How? He did not help me any any way. I called and got this set up myself. So, im not understanding the debt collection. I called and scheduled my appointments and was out sourced for them. I owe this an or fraudulent company nothing. I have informed also made the VA hospital aware of this scam, I also let them know about an employee XXXX XXXX and XXXX XXXX " Department Of Veteran Affairs LR AR who is also in on this scam with him getting wealth off XXXX veterans.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I am writing this complaint regarding Bank of America and a loan they service where I am trustee. They refuse to provide any information on the mortgage and have sent me a letter regarding default even though I began making payments after my forbearance. 
I am responsible for managing the account as trustee and I have provided all necessary document several times over the past 2.5 years. After several faxes in branch and out of branch along with a typed letter that was mailed to them at their request. I was able to get authorized in the estate department about a year ago, but the customer service in the mortgage department still refuses to speak with me because they are a different department. 

I have provided every document they have requested on multiple occasions and have spoken with several managers at 3 different level. One manager said that they found the documentation, but that it was identified incorrectly in their system and that he didnt have authorly to authorize me, but that he would call me back. This has been the same story I have been told by two other managers since early XXXX. I have jumped through every hoop that they have asked and all I am asking is for them to be fair to me as well. They have all trust information on file, letters sent to them, faxes sent to them and I have not received any correspondence or progress on this. I have been dealing with this for two years. Any guidance and assistance would be greatly appreciated.
Consumer complaint received 2022-03-16
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: EQUIFAX, INC. (GA)

I was victim of identity theft a year ago and i file a FTC report ( in the attachment ). The fraudulent account is XXXX and was opened in XX/XX/2021 in XXXX, Texas and I NEVER BEEN TO XXXX. I file a FTC report and i also wrote a letter to the consumer report agencies but it was never removed and they has not replied to me and frankly they are ignoring me BECAUSE IT IS BEEN MORE THAN 30 DAYS. 
Also my name and address were modified in my credit report and i need the consumer reporting agencies to DELETE that fraudulent account ( XXXX ) immediately and fix my name and remove the XXXX, Texas address found on my credit report.
Consumer complaint received 2022-07-07
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts and Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX- The inquiry was not Authorized XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX  XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  - XX/XX/XXXX - The inquiry was not Authorized XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX The inquiry was not Authorized XXXX XXXX - XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXXXXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XX/XX/XXXX- The inquiry was not Authorized ACCOUNTS XXXX XXXX XXXX  XXXX XXXX - This account has never been late, update this item to paid as agreed XXXX  XXXX - This account has never been late, update this item to paid as agreed XXXX XXXX XXXX - This account was never late, update this item to paid as agreed XXXX  XXXX - This account was never late, update this item to paid as agreed XXXX XXXX XXXX- Not reporting accurately under 1682e ( b ) XXXX XXXX XXXX - UNDER 1692j, cease and desist asap XXXX XXXX- Not reporting accurately, it says open but collections ? Delete this asap 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 2022-03-08
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. (PA)

Under the new regulations that came into effect on XX/XX/2021, debt collectors must send you a Notice of Debt within 5 days of their first contact with you. I haven't receive any notice from XXXX XXXX about this debt. XXXX XXXX isn't available in PA nor XXXX. I haven't received any notices to collect or validate this debt. I haven't received any notice of debt so this collection is invalid and needs to be deleted. XXXX XXXX is violating the FCRA by not providing me with any collection notices and reporting inaccurate information on my credit reports. If XXXX XXXX don't remove this debt, I am entitled under the FDCPA, EFTA, FCRA, or any state law, to collect money damages. For example, under the FDCPA, you may receive up to {$1000.00} in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys fees and costs. This debt is invalid, fraudulent and not collectable.
Consumer complaint received 2022-03-08
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/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I completely paid off and closed my FL XXXX XXXX XXXX XXXX account in XXXX. It is showing up a multiple reports with inaccurate representation of the amount owed. Each bureau has a different reporting from this company. Multiple accounts showed that I have paid and closed my account with them. On XX/XX/XXXX, they added inaccurate remarks to this account by putting that I owe {$XXXX}. I have documentation to show proof of inaccurate information. Reporting information that is inaccurate or not reported correctly violates the FCRA. It has led to much personal and mental distress plus financial damage by not removing the account and falsely reporting information. I have contacted this company over 3 times without receiving any type of resolution, verification, or remedy for each of these violations.
Consumer complaint received 2022-03-08
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)

I dont recognize the inquiry thats on my credit report and XXXX XXXX I did not inquiries for new credit or loans onXX/XX/XXXXXXXX A company name XXXX XXXX.
Consumer complaint received 2023-11-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (GA)

I received a letter in the mail in early XXXX from IQ Data International Collections company stating they were collecting a debt that had been sent to collections totalling XXXX by XXXX on XXXX XXXX. We never moved received a notice from the apartments stating this debt was owed in the first place. After contacting the debt collections agency directly and providing written proof to XXXX via email that the billed amount was due to a computer glitch issue and we did not actually owe any further money ( see messages below ), they went forward and reported this to my credit. 

Today, I received a notice that I have a derogatory report on my Credit Report from this debt collection agency that your company hired after providing direct proof to them on XXXX XXXXbefore it was ever reported ( please see the emails below ) stating that we do not actually owe anything. This is a clear breach of the FDCPA laws.

I am requesting that this be handled internally by your office to report that this debt no longer is required as it is now on my credit report and they have been unresponsive to me now after multiple attempts.