davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
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: MOHELA (CA)

This is illegal I will take that XXXX XXXX dollar settlement and recover the damages legally on my own. I do authorize to the highest authorities the damages and expect the criminals and illegal companies/adoption agencies/security that staged this attack to be held accountable. You can contact the FBI for further dispute. I expect to be fully unassociated with all damages after the year of 2012. I expect to have a 740+ credit score all around with perfect bill payer history and to be debt free, I also expect to be unassociated with all crime and or criminals to freshly continue my life without illegal unauthorized burden, my mortgage is hereby destroyed I expect it to be fixed eventually. XXXX XXXX, new DL, new last name, will double XXXX XXXX XXXX 

God bless America, Thank you for your continued service Happy Memorial Day Best Regards, XXXX XXXX ( XXXX ) XXXX - XXXX
Consumer complaint received 2023-03-15
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-07-10
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. (TN)

XXXX, XXXX  and Equifax are allowing XXXX XXXX to report a Bankruptcy in which the Federal Bankruptcy Court is not reporting. I do not have an account with XXXX XXXX or a contract. The federal bankruptcy court is not verifying my personal info to XXXX XXXX and it is illegal for a third part to report of verify such information in which they were not a party to. 

The same three credit bureaus is further violating my constitutional rights by allowing XXXX XXXX to report a civil judgment from the XXXXr County Tennessee Court that is marked satisfied. I do not have an account with XXXX XXXX and they are reporting a collection of {$4900.00} when the court has marked the judgment satisfied. This is a violation of the Fair Credit Reporting Act. 

The same three credit bureaus is again violating my constitutional rights by allowing the Tennessee Dept. of Human Services to report a civil judgment from the State of Texas. They have been incorrectly reporting and will not allow me a hearing for the negative reporting. State law forbids adverse credit reporting without the opportunity of a hearing. They have removed {$13000.00} from my credit, but should not allowed to report anything that was not entered by the State of Texas. Moreorver, the state law only allows them to report on accounts that are over {$1000.00} past due. I am not past due on an agreed upon judgment in Texas.
Consumer complaint received 2020-02-17
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. (TX)

XXXX XXXX XXXX  XXXX XXXX XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX XXXX actual practice does not. ... XXXX XXXX XXXX  XXXX XXXX ) XXXX, Case No.
Consumer complaint received 2024-11-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (MD)

I am the Personal Representative of the Estate of my late father, XXXX XXXX XXXX XXXX, who passed away in XX/XX/XXXX. My mother, XXXX XXXX XXXX, and I inherited his property at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX, and we are designated as successors in interest. Despite fulfilling all legal requirements to assume the mortgage, both *XXXX XXXX XXXX and **Shellpoint Mortgage XXXX have engaged in actions that have hindered our ability to protect this property. 

In XX/XX/XXXX, XXXX XXXX XXXX approved me for a loan modification trial plan, under which I made all required payments from XXXX to XX/XX/XXXX. However, without providing me proper notice, in violation of the **Truth in Lending Act ( TILA ) ** and the **Real Estate Settlement Procedures Act ( RESPA ) **, XXXX XXXX XXXXXXXX XXXX XXXX loan to **Shellpoint Mortgage Servicing**. Following the transfer, XXXX XXXX XXXXXXXX falsely claimed that no payments had been made since XX/XX/XXXX, even though they had accepted all of my trial modification payments. Based on this misinformation, Shellpoint issued a **Notice of Intent to Foreclose** in XX/XX/XXXX, alleging non-payment. 

Furthermore, **Shellpoint has refused to acknowledge my status as a successor in interest**, despite receiving the necessary documentation multiple times. They also denied my attempts to make further payments, stating that they could not accept payments until the loan transfer was fully completed. Although Shellpoint had indicated that they would halt collection activities pending an investigation, they sent agents to my property and issued foreclosure threats through their legal counsel. 

I believe that racial bias may have played a role in the difficulties I have encountered in this process. Historically, minority homeowners, particularly African-Americans, have faced significant challenges in exercising their rights as successors in interest. Data shows that African-American borrowers often experience higher rates of foreclosure and denials of loan modifications when compared to white borrowers. I suspect this discriminatory pattern is a factor in my case, as both companies have refused to honor my modification agreement and recognize my legal rights as a successor in interest.

Additionally, the fact that my home is valued at nearly three times the balance owed on the mortgage may be motivating the foreclosure efforts. Both companies appear to be acting with financial incentives in mind, attempting to take possession of my property despite my compliance with the terms of the loan modification. 

I am currently filing a **Motion to Stay Foreclosure** in the Circuit Court XXXX XXXX XXXX pending a full investigation. I request that the **CFPB** thoroughly investigate these actions, ensure that my rights as a successor in interest are respected, and halt the improper foreclosure proceedings.
Consumer complaint received 2020-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

On XXXX while preparing to move out of state from my address of XXXX XXXX XXXX. XXXX XXXX XXXX, CO XXXX I went to return my XXXX Equipment as required by my contract. I went to XXXX XXXX XXXX XXXX XXXX. 
XXXX, CO XXXX XXXX XXXX stars out of XXXX XXXX rating to return my equipment. I waited patiently for over a hour for service. When it was clear that the process was going to take more than a few hours of additional waiting, a service representative at the retail location suggested that we place the equipment on the counter and assured us that he would check it in, so we could leave, since we had been there for such a long time for a basic service. Which we did. We followed the service representative 's instructions and placed our equipment on the counter giving him our name and account information and left. 

Shortly after this event I received a XXXX bill for {$150.00} for equipment. I called and spoke to a representative which refused my version of events. when I received another bill, I called again and got no where. I have refuted this charge on all of my credit reports since they have listed a derogatory comment. Today I called the collection agency and complained.
Consumer complaint received 2020-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (NJ)

Paypal is closing a dispute in the merchants favor despite no response from the merchant to Paypal and proof provided by me - from the merchant - that the product wasnt sent and Im promised a refund. Are bots controlling paypals dispute process? Attached is the exchange : Case closed Case ID : XXXX The outcome of the case was not in your favor. 

Case details Dispute Reason Item not as described Case Status Closed Case Resolution Decided in seller 's favour Seller information XXXX XXXX XXXX Transaction amount {$100.00} USD Transaction ID XXXX Shipping address XXXX XXXX XXXX XXXX XXXX, NJ XXXX United States Invoice ID XXXX Date reported XX/XX/2020 Your notes I paid for FOUR of ( 2 pack ) XXXX  XXXX, 3lbs Beach Sand for Ages 3 and Up ( Packaging My Vary ) ... So I was supposed to receive 8 packages of the XXXX XXXX. Ive only received four single packages. 
File XXXX Additional info Item issues Missing Parts Refund requested {$27.00} USD Item description https : XXXX Your responses Date added XX/XX/2020 Your notes Reference # : XXXX Response email ( XX/XX/2020 XXXX XXXX  ) Hi XXXX, A great day for you XXXX, I thank you for contacting XXXX  My name is XXXX, for me it will be a great honor to assist with your request. 
Please accept my sincerest apologies, as this is certainly not the level of delivery service we would like to provide to our Customers. 

In order to assist you properly allow me to offer you refund for your missing items 4, allow me to kindly explain you, I can process a refund for 2 items ( 2 x 2 units = 4 items ).

Your refund will go back to the original form of payment method within 5 business days. 
Im very sorry for this inconvenience. Allow me to kindly inform you, I'm not allowed to process a replacement due to these items are out of stock at this moment. 
If you agree with this procedure, please be kind to let me know. 

I will be pending on your kind you response. 

Regards Sincerely, XXXX XXXX XXXX customer care. 
XXXX, XXXX  File Re : [ EXT : Fwd : Some items have shipped : XXXX XXXX, 3lbs Beach ... ] .pdf Your conversation with the seller You I paid for FOUR of ( 2 pack ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Packaging My Vary ) ... So I was supposed to receive 8 packages of the XXXX XXXX. Ive only received four single packages. 
XX/XX/2020 at XXXX XXXX PDT
Consumer complaint received 2023-02-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm a XXXX XXXX XXXX  returning to the XXXX after being assigned overseas for XXXX years. As I've been the victim of identity theft previously, I froze my credit around XX/XX/2020 before going overseas. Now that I'm returning and trying to get re-established in the XXXX, I've unfrozen my credit with XXXX and XXXX with no issue. TransUnion refuses to unfreeze my credit report and this has already prevented me from opening a mobile phone account with XXXX 

I created an online account with TransUnion and attempted to unfreeze my credit report through it. This resulted in an error. I then contacted them by phone and spent 30 minutes with multiple agents trying to unfreeze my credit report. Finally, they told me that my only option for them to release my credit report is to mail them hard copies of my bank statement and other sensitive ID documents in order for my credit report to be unfrozen with them. They are holding my social security number XXXX until I go to an office center, pay to use a computer, printer and copy machine, then go to a post office to purchase postage and an envelope. And only 5-7 business days after this information is received by mail will they consider releasing my credit report for use with mobile phone companies, real estate agencies, and other basic services which require credit checks.
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OR)

We received XXXX XXXX XXXX  debit cards for XXXX XXXX and both of them have no money on them. These XXXX XXXX  debit cards reference the XXXX Each instance is outlined below for each card we received that we suspect fraud/theft on. 

Card number XXXX XXXX XXXX XXXX I opened the packaging for this card on XX/XX/XXXX and went to XXXX to see the balance of the card as this was the first time I was going to use it. The card balance was a {$1.00} which seemed odd for a balance of a card never used. I then went to the balance inquiry for the month of XX/XX/XXXX and it showed the card being loaded in XXXX NC XXXX on XX/XX/XXXX for {$150.00}. My wife 's sister lives in XXXX NC so this transaction makes sense. We live in XXXX Oregon at XXXX XXXX XXXX XXXX XXXX, OR XXXX. Then the transaction history shows a purchase of {$140.00} in XXXX XXXX CA XXXX which is a place I have never heard of or have been too. The transaction happened for a purchase at XXXX. This is clearly a scam in terms of hackers and we never received the benefit of the {$150.00} gift card. 

Card number XXXX XXXX XXXX XXXX I opened this card a month ago in XX/XX/XXXX and tried to use it in the store. This card was a {$100.00} XXXX XXXX  debit card. I have tried the card several times and tried to see the card balance on prepaidgiftbalance.com as instructed by the sticker on the card. I enter the card number to log in to their website and the website won't recognize the card. The card does not work and may have never worked as i suspect the card number was stolen during the holiday season of XX/XX/XXXX.
Consumer complaint received 2022-09-10
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: EdFinancial Services (PA)

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

5 U.S.C 1681 section 602 A. States i have the right to privacy.

5 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 5 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CO)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2022-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX my husband XXXX XXXX left his XXXX  XXXX job early to go to Bank of America to cash his payroll check. When he arrived at XXXX the security guard was very excited to advise my husband that they just today, changed their hours- closing at XXXX. Later that night I told my husband to just do the mobile deposit as there couldnt possibly be any issues. It is a BANK OF AMERICAXXXX XXXX payroll check. Its literally a b of a check. He did. This morning when checking our bank account my husband found that the check has been placed on a hold until XX/XX/XXXX. We needed that money to get gas so he could get to work this morning. We have rent to pay. We have power to pay. 

He then called customer service at Bank of America this morning XX/XX/XXXX, of which I have all on video where he was on the phone for more than an hour and a half talking to three different managers who all told him that there is a problem with this XXXX  check. As if the check was not good. The final manager that he talk to said that theres nothing that she could do she does not have anybody that is above her and that we needed to take the check into a branch and cash it. Later that day my husband took more time off work and we went to Bank of America as directed by Bank of America. The teller advised him that there is no way under any condition that she will cash this check. 

This evening my husband is on the line again with customer service and as hes on the phone with them I get two emails stating that they have placed a hold on our account and that his check will not clear until at least XX/XX/XXXX now as because check specific information indicates item may be returned.

I missed appointments today my car insurance went through and bounced it did not go through on my hairdresser I now owe {$300.00} to him to not get my hair done because I could not pay him and we still do not have his hard earned money.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Disputed inaccurate info on credit report XX/XX/2022. Nothing was changed. I try to correct my address and other information, but nothing fets corrected. I feel that someone else has been sabatoging my credit report and score by entering wrong information.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-05-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WI)

My wife and I both have accounts with synchrony bank. Both my wife and My score has gone down in recent months to the mid 500s. We have been synchrony bank customers for a few year now and have never missed a payment on our cards. Now over the curse of the las t couples of month they have literly closed most of our account really throwing bad negatives on our credit report.