davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
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. (VA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX  XXXX {$13000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2020-07-08
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. (WA)

XXXX  and XXXX  should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-09-21
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. (FL)

In summary, this was an inactive account to which an erroneous charge of {$4.00} was debited by a Vendor in XX/XX/2021. The account started incurring fees ( {$48.00} ) based on this erroneous charge. 

I was not aware of any of this activity until I received a call on XX/XX/2021 about the status of the account from Comentiy Bank Collections ( XXXX XXXX XXXX ) with whom I disputed the balance due to the non-use of the card. I don't believe they opened a dispute at the time, they continued the reporting. 

Subsequently, I had to contact the Vendor to get this matter investigated and resolved. The Vendor since has acknowledged their error and pushed through a credit to the account.

I spoke with Commenity Banks XXXX XXXX XXXX again on XX/XX/2021 who was kind enough to have the fees removed. They told me I have to speak to Customer Service to have the Credit Reporting History updated to remove any delinquency reporting. The discussion with Customer Service was not as fruitful as they advised they can not handle or make any corrections to the credit history reporting. After further inquiry they provided a dispute address. 

I am formally requesting for Comenity Bank to please adjust the credit reporting history removing any reported delinquencies as applicable for XXXX, XXXX, and XXXX. This charge never should have been charged and was removed by the Vendor acknowledging their mistake to my detriment and my credit history should reflect that accordingly as a XXXX balance account from XX/XX/2021 through year to date..
Consumer complaint received 2022-04-05
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. (IL)

In accordance with the fair Credit Reporting act XXXX XXXX Bank 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 2023-06-29
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (MS)

Hello, I have been trying to register my previous Eppicard account on the new goprogram.com website as instructed by XXXX and keep getting the following error : Account information is invalid. Unable to locate a customer record that matches the information entered. 

I have tried numerous times making sure all information is correctly entered. I have tried calling the Way2GO customer service number provided by XX/XX/XXXXXXXX and XXXX and I am not able to get someone to assist me. I have been calling since Monday XX/XX/2021. There is no option to select to speak with anyone. If you just dont make any menu selections there is just a message that says sorry you are having trouble, goodbye and just hangs up on you. 

This is getting very frustrating, hopefully someone here can help.
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage has held my mortgage for a number of years. In 2020 they offered to lower my rate so I refinanced and the loan closed in XXXX. The property consists of two lots that were both part of the original loan and the new loan. Both the original and new loan included an escrow account for taxes and insurance. On XX/XX/XXXX I received a notice from the county indicating the property taxes on one of the lots was delinquent and accruing additional fines. Freedom Mortgage had requested and received tax statements for both lots but had only paid for one. I immediately emailed Freedom Mortgage with the issue including attachments of all documents. I subsequently called their help line on the first business day to report the problem. Since my initial contact with them I have repeatedly emailed them all documents and have telephoned their customer service line at least twice. Each time I have had to repeat the details of the problem over again as though there was no record of my original claim. I have received several auto replies via email stating more investigation was necessary but I would have a response by dates that have both passed and my property tax remains unpaid. Freedom Mortgage must pay my property tax from my escrow account and are responsible for any additional fines that have accrued.
Consumer complaint received 2023-01-06
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX  WI XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$78.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2019-09-10
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Enterprise Acquisitions (IA)

A while back I tried to take out a personal loan through Enterprise Rent a Car for a used car in XXXX, IA looking at buying a vehicle. The address is at XXXX XXXX XXXX, XXXX, IA XXXX. The issue lies that after trying to finances arranged to help pay for the vehicle, they denied me for the loan after taking too long. I would like mediation of this issue and please follow up with my self directly. I can be reached at mobile phone number ( XXXX ) XXXX.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

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

15 USC 1681 SECTION 602. A. states I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction 15 U.S. Code ( A ) subject to section 1681s3 of this title, any 15 U.S. Code 1681b - Permissible Purposes Of Consumer Reports 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6802 - Obligations With Respect To Disclosures Of Personal Information 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies 15 U.S. Code 1681n - Civil Liability For Willful Noncompliance 15 USC 1692j. Furnishing certain deceptive forms
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SUNTRUST BANKS, INC. (SC)

Two weeks ago I opened an account with Suntrust bank online. The {$100.00} initially deposited was returned. I also deposited a {$490.00} which was also returned. When I attempted to use the online app I instructed to call the bank which I did. I was informed that the account was closed that was on XX/XX/2019. I immediately called social security regarding my direct deposit to this bank. I was informed that they would not be able to re-route my check, however if the account is closed it will be returned to social security and they would then be able to route it to a different account. On XX/XX/XXXX I received a new PIN number for a new debit card that was on the way. On XX/XX/XXXX I received the debit card and activated it. I called the bank and was informed I did have an account and that my social security deposit would be available on XX/XX/XXXX. Today I contacted the Suntrust bank and was informed that I would not have access to the funds. The funds were verified that it was at the bank. They informed me that when they decide to close that account again I would receive a check in 7-10 days. Im retired and use my monthly check to pay my rent. If I am unable to access my funds that they are holding I will be unable to pay my rent and will be evicted. I called Suntrust back and asked to speak to a supervisor. He informed that they did in fact have the funds. I asked if I would have access to the funds on XX/XX/XXXX. I was informed they couldnt say for sure. Im in desperate need of my funds and Suntrust is not able to give a yes or no answer and suggested I contact them on XX/XX/XXXX. 
I do not see any reason why I can not access funds that they are holding. Suntrust does not seem to know whats going on or when I will receive my funds. Im begging for immediate assistance in this matter.
Consumer complaint received 2019-09-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Shermeta Law Group, PLLC (MI)

This company decided to make up a fraudulent ex parte motion and order to renew civil judgement for a non existent debt. What they did was make outtakes faje city document stating renewing the civil judgement was granted. The problem is, that the judge who " signed '' the court document had been retired for 4 1/2 years. So this company forged the signature of a retired judge on a fraudulent court document. When iI was the court to see what this was abot and have the case number, they said it didn't exist ands it sounds like a scam. When I called the company to address this issue, No one would answer the phone. I had to leave a voicemail in order to get somebody to call me back after calling 6 times. When I got somebody on the phone they Try to tell me That the motion was granted in that I owed this money that I know nothing about and when I had ask them about why the judge that signed the court document hasn't been practicing for 4 and a 1/2 years they had nothing to say. This company is a scam artists and means to be charged with fraud and impersonating a judge.
Consumer complaint received 2021-09-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intelligent Mortgage and Consulting Services LLC (FL)

In extremely small print I was able to identify this company .While American service members stand ready to defend the nation, smalltime scammers and large corporations alike have them in their sights. 

Intelligent Mortgage & Consulting Services XXXX XXXX XXXX, XXXX XXXX, XXXX Liink : XXXX XXXX XXXX This company its using my name and personal information for marketing and solicitation without my consent. My name is being used into a multiple systems of marketing, Im receiving misleading # XXXX from this company also located at : Intelligent Mortgage & Consulting Services XXXX XXXX XXXX, XXXX XXXX, XXXX The amount of letters and unsolicited junk mail offering its very confusing VA- Loan offers will not stop. I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. Misleading label ACTION REQUIERED XXXX I wo would like this company to stop once and for all. 

This company needs to respect the fact that my name is at the every credit bureau op-out list to included also the DMA. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 

Please stop remove my name out their data base, and ask every marketing company associated with this company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this misleading junk unsolicited mail. We military personnel get a steady paycheck and valuable benefits from Uncle Sam. And the eventual transition back to civilian life gives the scammers even more opportunities to target us the troops. 

I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please. 
Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the XXXX I will contact the attorney general in LA if this harassment don't stop I had never requested your junk mail with my personal information STOP Please. Thank you
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I purchased sunglasses online. They arrived and were the wrong glasses and upon further investigation, they were also fake. I went back and forth with the seller and then my bank. Bank of America finally opened the claim after telling me the seller claimed I wasnt in contact with them. The seller denied my refund. Bank of America then asked me for the emails with the seller. I printed and faxed them to Bank of America. I then waited months, finally called to check in on it and they told me they would put a note on my file. They called 3 weeks later to tell me that I did not get the papers faxed to them in time. No one ever gave me a time limit. I called to speak to a manager and was pretty much blown off. I was told that the manager would not help me. I canceled my account with Bank of America.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (OR)

Today ( XX/XX/22 ) at approximately XXXX ( XXXX  ) I requested a small credit limit increase of {$400.00} on my XXXX XXXX account. At no time in the process leading up to, during or even after was I notified there would be a hard pull on my credit. There wasn't so much as a small hyperlink to skip over. It wasn't until I got an email from a credit monitoring service that I was aware of the hard inquiry at all. I never would've requested the increase had I known about the impending damage to my credit nor did I consent to the pull at any time in the process. When I called to speak to XXXX about this I was transferred to a supervisor who then did nothing but gaslight me, XXXX and eventually landed on ( essentially ) " Well it's our policy, you should've just known and I'll forward your concern to the tech team. They'll review it and see about making it more clear online. '' I have never had a hard inquiry on my credit due to a limit increase, whether offered by a company or requested on my part. How was I to anticipate XXXX ( parent company of Citibanks ) would be different, especially as my Citi card is one of those who have never done a hard pull after the initial to first get the account? When I asked how they could do a hard inquiry without my request I was told that " you consented by requesting an increase '' but again, this " policy '' was not given anywhere in the process. 

I'm so upset that such a minimal increase is going to negatively impact my credit for years, especially as I didn't consent to this. In no way is this small increase worth a ding to my credit and I would've never done thus had XXXX been forthright or actively asked for consent to pull it. 

I do hope someone can look into this and hopefully protect anyone else from ending up here as well. I'm hoping also to find a way to remedy this with the credit bureaus. 

Thank you for your time, XXXX.
Consumer complaint received 2024-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NY)

XXXX XXXX Company : Shellpoint Mortgage Loan # XXXX Account holder : XXXX XXXX XXXX Subject property address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX Shellpoint Mortgage was my mortgage servicing company for the above mortgage loan and subject property. Earlier this year, I found out from the payment history on shellpointmtg.com that Shellpoint Mortgage had been charging me monthly late fee of {$38.00} from XX/XX/XXXX to XX/XX/XXXX because Shellpoint Mortgage did not apply my XXXX XXXXXXXX mortgage payments properly on my mortgage account. With that said, Shellpoint made the error and kept charging monthly late fee on my mortgage account for a year and also treated my mortgage account 30 day payment behind. I filed a complaint to Shellpoint Mortgage about the issue and their investigator did not handle my complaint seriously and send me a letter stating the late fees were correct and I was behind my mortgage payment. I have made my mortgage payments on time and I shouldnt get charged for the late fees and got reported to credit bureaus I was payment my mortgage late. On XX/XX/XXXX, Shellpoint sent me a letter that they have sold my mortgage servicing to XXXX XXXX XXXX and my account is still showing one month payment behind the schedule. I really hope that CFPB can help me to solve the issue with Shellpoint Mortgage so the issue can be corrected. Thank you for your time and assistance in advance. 

Best regards, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX