davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-10-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC (VA)

On XX/XX/XXXX, I emailed Shellpoint a validation of debt request pursuant to XXXX5 USC Section 1692gb, cease and desist pursuant to 15 USC 1692 C ( c ) and a qualified written request. 

Also, on XX/XX/XXXX, Shellpoint employee XXXX XXXX confirmed receipt to my wife. XXXX. also advised my wife that she is a non-obligator and was not on the note and not on the deed of trust. 

To this day, Shellpoint has not answered our questions outlined on the validation and qualified written request. The deadline to reply was XX/XX/XXXX. 

For several years, both my wife and I have advised all parties that the recorded deed of trust is ineffective and unenforceable. My spouse did not sign the deed of trust. 

Fast forward. 

The XXXX XXXX XXXX is attempting once again to foreclose on our property- on an invalid ineffective deed of trust -- - without a valid deed of trust -- - there is no effective power of sale. The posted sale date is XX/XX/XXXX. 

Through our own research, we have also discovered that there was an unauthorized refinance completed and recorded in my spouse 's name on XX/XX/XXXX. 

The bottom line is- even discovering all the fraud, inaccurate documents and deception, there have not been no payments made ( on a zero-balance account ) since XX/XX/XXXX. 

All statute of limitations ( oral, written, open-ended, secured, unsecured, etc. ) has expired. The alleged account is time-barred - and uncollectable. 

Also, per Virginia Code Section 8.01-241 -- - No deed of trust or mortgage heretofore or hereafter given to secure the payment of money, and no lien heretofore or hereafter reserved to secure the payment of unpaid purchase money, shall be enforced after 10 years from the time when the original obligation last maturing thereby secured shall have become due and payable according to its terms and without regard to any provision for the acceleration of such date. 

As per XXXX XXXX, XXXX Loan Servicing, and Shellpoint Mortgage Servicing -- - I am due for the XX/XX/XXXX However, on XX/XX/XXXX - it was XXXX years since payment - and therefore, Virginia Code Section 8.01-241 -- -- became effective on XX/XX/XXXX. 
No party elected to complete the Certificate of Extension of Limitation of Limitation of right to enforce deed of trust or mortgage ( Virginia Code Section 8.01 -241.1 ). 

No party can collect or FORECLOSE on our property ( lot or home ) -- - beyond XX/XX/XXXX. 

However, we received alleged foreclosure papers- dated XX/XX/XXXX. -- - We are requesting this Board to have all parties cease and desist - ( once and for all ) -- in their attempt to steal our home in the upcoming posted XX/XX/XXXX, foreclosure.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc. (TX)

I, XXXX XXXX have never received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.
Consumer complaint received 2022-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (MN)

On XX/XX/2022 ; I received a text message from a number claiming to be US Bank. The message stated that there was a XXXX Attempt on my Account via XXXX transaction. I responded No, this was not my attempt. Shortly after I got a call from a number that identified as US Bank so I answered. At this point I do not have a XXXX account created. The person on the other line walks me through how to set this up and how to reverse the two transactions that were attempted in the amount of {$1500.00} each. They assured me that this is how the bank would stop the transactions going through. This was the majority of my bank account and was leaving for a trip later that week where I needed this money. So I followed the instructions provided be the operator and when I sent the second transaction through they hung up. This is when I called US Bank to report what had happened. They created a fraud claim but stated there was nothing they could do at the moment to get my money back that was taken from me by a fraud scheme. After several phone calls with the bank they informed me this was not something they were liable for. I was made to believe the person I was speaking with was a representative of US Bank and all data that came to me had US Bank Identification. The representatives I talked to from the actual bank could not locate any warning of this XXXX Scam on the website. I however, do not use the Website rather the app only.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-08-19
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. (RI)

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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (TX)

I have tried to dispute with IQ Data regarding my ownership of the XXXX account ( now showing I owe {$1100.00} ) several times. I was not made aware of this account by the landlord and did not receive anything in the mail letting me know anything would be escalating to collections in 3 years before this showed up on my credit. I never received an itemized statement of my charges- or photos showing proof of any damages along with the itemized statement that never came. When I reported to XXXX for the second time to get this removed from my report, the charges were dropped off- but then appeared again and with a different amount. Every so often a XXXX or so gets added to my charges for XXXX ( and IQ data is overseeing my collection for another property which is interesting ) so they can keep adding to my report. They are also not doing their due diligence to follow up with the other person who is supposed to be on the joint account and only contacting me during my work hours. They have removed this account from the other person who had JOINT responsibility, but not from my credit. This needs to be removed. There is no proof of charges, there was no contact made so I could dispute before this hit my credit, and now they are not reporting accurately.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC. (WA)

I have been unable to access this account for almost 1 year. I have called this bank roughly 5 times stating that at their dashboard it states : Something went wrong. 
Something unexpected went wrong on our end. 
Please try again. Thank you., please try again. 

I am unable to access any statements or tax forms. Their technical support has submitted multiple tickets without investigation. I have submitted a XXXX complaint which they responded because my address is out of date. I attempted to contact their customer support and send emails to change my address and only response has been 'We apologize for the issue you are experiencing. Our IT team is still working on a resolution. In the meantime, please let us know if you have any questions. '. I would love to close this account, but this bank will not let me close the account without first changing my address and restoring online access, which I can not do because they refuse to fix the technical issues. 
The most recent ticket opened was on XX/XX/XXXX unanswered and XX/XX/XXXX unanswered by their technical team. I call their Customer Service and they say they need more time to address the technical issues. 

They have been holding my money hostage for over a year and have not fixed this issue.
Consumer complaint received 2023-02-23
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. (AZ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (WI)

I consistently checked my credit report and noticed errors on my report due to false credit reporting. This has sent me into XXXX and I've been deprived of many opportunities because of this. I did not consent to any inquiries and the inquiry is not authorized. Under 15 U.S.C code 1681 i ( 5 ) this account is in violation of not reporting a 100 % accurate.
Consumer complaint received 2022-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I recently found out that my mortgage loan was bought by XXXX by mr cooper ( Nationstar ). Who has quite the track record i found out through this entire ordeal. About a month before my homeowners insurance was due i reached out through their electronic system requesting that they pay my home owners insurance as i was getting notifications that the due date was approaching. A few days later i received a message about how it would be taken care of. Around a week after the due date i get an email notifying me how the company did not pay my insurance premium and how i was in danger of loosing my homeowners. After spending hours upon hours on their phone system i was able to submit proof of my insurance, which is doesnt make sense because the last two companys that bought my loan never needed or requested that information. As far as i know you cant have a mortgage unless they have the home owners information on file. Ive found several hundred reviews that this company uses this tactic to get you off your insurance so they can stick you with their more expensive less coverage homeowners insurance, which should be illegal. So far my policy has been closed. The insurance people say they still have yet to receive any kind of payment even though mr cooper swears that the payment was sent out. And now im responsible for any fees, charges regarding lapse of coverage, etc.. Plus i recently had a homeowners claim approved that im scrambling with because the nature of the whole issue does not look good in general.
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AZ)

I am emailing your good office to ask for assistance. 

I have just been recently scammed by someone named XXXX XXXX, through a rental scam. My husband and I were looking for properties to rent so we, along with our XXXX kids, can move in. He had advertised on XXXX, and I, with no prior knowledge and in good faith that he is trustworthy, trusted him. We viewed the property and he sounded sincere in the phone so we decided to send him a {$150.00} application fee, something which I had filled out online, to a Zelle account that is not under his name. He told us that we would have the key to the unit once we give him the security deposit. Since we have been desperate to finally have the place, we sent a {$1000.00} security deposit to that same Zelle account he had provided and he soon after provided a lease agreement which I started to doubt due to the format of the lease agreement. He then proceeded to ask us for more money, now saying we needed to pay a {$330.00} utility fee for the realtor to install utilities and {$120.00} to pay for the lease agreement, so I can sign the lease agreement. 

This morning, XX/XX/2023, I had asked him if its possible for him to refund the amount after he texted me early in the morning to send him the payment for the utility fee and lease agreement fee to a different Zelle account, something which I have not managed to get from him. 

I will be providing all the emails and contact information he has used to communicate with me, in hopes that you will find this man and help us get back our money. Both my husband and I are currently students and the money we used to pay the man and planning to repay the man in the future, were savings we have saved up to rent our own place. 

XXXX XXXX Email address : XXXX Number used : XXXX, XXXX Name and email he used for Zelle : XXXX XXXX, XXXX Please contact me for any more information J can hopefully provide you in hopes of catching the person. 

Thank you and God bless
Consumer complaint received 2024-08-29
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. (PA)

Experian has FAILED to fulfill the requrements under 15 U.S.C. 1681i ( 7 ) / 611 ( 6 ) ( B ) ( iii ) and totally didregarded this LAW because they have been sending me postcards that do NOT address the information I requested and if forced I understand I have a right to sue in a court of law entitling me to be compensated for the multiple violations committed by Experian.XXXX Days have past and that is a untimely violation committed by Experian! 
15 U.S.C.1681i ( 7 ) / ( 6 ) ( B ) ( iii ) A consumer reporting agency shall provide to a consumer a description of the investigation procedure. A consumer reporting agency shall provide to a consumer a description refered to in paragraph ( XXXX ) ( B ) ( iii ) by not later than XXXX  Days after receiving request from a consumer for that description. 
Where are the Procedures that I requested that led to the ( XXXX ) accounts listed in this communication to be VERIFIED after I disputed each one because I gave no CONSENT, PERMISSION or any WRITTEN INSTRUCTIONS to furnish any of the ( XXXX ) accounts to be placed on my Experian credit report as required under 15 U.S.C. 1681i ( b ) ( 2 ) / FCRA 604 ( a ) ( 2 )? 

Where are the names of the persons that you spoke to that I requested in accord with Section ( XXXX ) ( B ) ( iii )? 
Why does your agency continue to send me postcards ( XXXX XXXX ) that does not contain any of the information requested and is required for your agency to provide after receiving my Section ( XXXX ) ( B ) ( iii ) requests? 
I assure you that I will be willing to provide these silly postcards in a courtroom as exhibits. 
These accounts are disputed as per 15 U.S.C. 
168b ( a ) ( 2 ) and should be removed from my credit reports. 
I disputed these ( XXXX ) accounts via CFPB Portal. 
CFPB # XXXX on XX/XX/year> and at least XXXX have been verified as of today XX/XX/year>. 
Again, I am requesting the Procedures that led to the accounts to be disputed in the past and at any time in the future : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Additionally, I am a federally protected consumer and I am also requesting my Experian credit FILE in its ENTIRETY. I want everything and I do mean EVERYTHING that you have on me in my Experian credit file. 
Please do not confuse CREDIT FILE with a credit report. I want my CREDIT FILE in its ENTIRETY as well as the procedures that led to these ( XXXX ) accounts to be verified within 15 days according to LAW. I assure you that I am keeping very careful records and will sue Experian if I am forced to.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XXXX the XXXX I initiated applying for a mortgage. My lender informed me that I had a Capital One credit card in default. After looking at the credit report I determined that this was a credit card I no longer used and had been paid off in XX/XX/2013 and never used again. The charge was for {$1.00} from a website called XXXX. I called Capital One that day and spoke with a customer service rep. He advised me this was not a reoccurring charge and he would submit a fraud report and that on the next credit cycle it would be cleared. 
On XX/XX/XXXX my lender proceeded with a final credit check only to find out the account was still showing past due and flag for fraud had been attached to the charge. I called Capital One again and spoke with another rep who advised me she would take care of things and file a complaint against the first rep I spoke with. The next day my lender informed me that I needed an actual fraud report to proceed with my mortgage. I then called Capital One a third time with my lender on the line as well. 
After 2 hours and speaking with 3 different people they initiated a fraud report. 
This fraudulent charge on my credit report had dropped my credit score over 100 points which cost me thousands of dollars in loan fees, tax payments and now I have lost the house I was buying because the seller 's were unwilling to wait any longer. I called before the next credit cycle ever ran so had they reported the fraud when I called on XX/XX/XXXX there would have been no issues. 
They tried to lie and cover up mistakes and refused to let me speak with their fraud department directly until I had been on the phone well over an hour and I threatened to file a complaint with the CFPB. 
This charge should have been flagged to begin with. This was a credit account that hadn't been used in 9 years and no new cards that had been sent out had ever been activated. They could give me no explanation as to why the fraud report wasn't filed when I called in on XX/XX/XXXX or on XX/XX/XXXX.