davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

Bankruptcy XXXX  XXXX Filed on XXXX XXXX, XXXX  Reference number : XXXX
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (WA)

We received a notice of missed payment by XXXX XXXX for medical tests. Upon checking, we believed the notice was sent in error as it was paid through our insurance. We unsuccessfully tried to contact the company over the phone, and sent an email to address they provided. This was two months ago. 

We never got a response, and we just learned that the bill was sent to Radius Global Solutions for collection. We contacted them over the email they provided, but got an error from their email server and our message was blocked. We then managed to speak to them over the phone and were told they were going to investigate. They however refused to provide anything in writing to prove that we filed a dispute. We were then able to get in touch with XXXX XXXX and they as well claimed they were going to 'investigate the issue and hold the ' but refused to provide any confirmation in writing that the collection process would stop. 

We have been notified in writing that a collection is ongoing, however we have no way to demonstrate that we disputed the process. A word from a company representative over the phone does not equal a certified letter in the mail. 

Of course this complaint does not go into details, but as you can imagine we came to this after spending several hours over the phone and email trying to sort this out.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

In XX/XX/2021 a person by the name of XXXX XXXX contacted me by phone from XXXX XXXX XXXX stating they could help me to reduce or a loan forgiveness to student loan program. In a verbal agreement she stated if I filled out the paperwork to submit the form to the student loan program on my behalf they would take out {$530.00} for there processing fee. I gave them my debt card info to take 2 transactions on XX/XX/2021 {$260.00} & XX/XX/2021 XXXX to XXXX XXXX  listed on my statement. Per XXXX she stated if the federal government did deny my student loan forgiveness they would reimburse me back the the amount of {$530.00} since the federal government deny my paperwork. 
It was a verbal agreement. Hence it took until like XX/XX/2021 I received the letter stating they denied my paperwork for the forgiveness program. I reached out to XXXX XXXX by phone & email asking when they will return my money. The phone # & email does not exist anymore. Now Wells Fargo said I had to dispute with XXXX XXXX XXXX & that the transaction occurred back in XXXX I had waited too long to dispute. How was I suppose to know that is was a scam until after the fact. I tried to reach back out to XXXX that the phone # & email does not exist ... Now they will not take into consideration that this is a scam .... I am really disappointed with Wells Fargo not protecting me as a customer for over 20 years. I am going to close my account.. I can forward the email from XXXX XXXX the email does not exist anymore.. How is this not a scam!!!!
Consumer complaint received 2024-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (KY)

Funds were given as cash back at XXXX. I sent XXXX letters from my coworkers stating my whereabouts at the time of these charges. I explained a card skimmer was found at XXXX gas stations were I visit frequently and even verified my job was XXXX hours from where the card was used. The XXXX Bank card does not have a security chip and is very easy to duplicate
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

To Whom It May Concern, I applied for forbearance in XX/XX/2020 due to the Corona Virus shutdown. My lender, Union Bank of California has been very understanding and easy to work with. 
I owe over {$50000.00} and have been approved for deferment. 
Moreover, I applied for the California Mortgage Relief Program and have submitted all necessary documents. The California Mortgage Relief Program will cover past-due mortgage payments in full through a grant of up to {$80000.00} per household. The money will go directly to a homeowners ' mortgage servicer. It's free to enroll and funds do not need to be repaid. My case qualifies for this grant and I have been in constant contact with the California Mortgage Relief Program. My lender, Union Bank of California has not signed up for the program. 
Please help me reach Union Bank 's higher management and ask them to join this program that was established to help mortgage holders, and lenders to take care of delinquent payments. 
Thank you very much. 
With best wishes, XXXX XXXX
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( XXXX ***** Opened date : XX/XX/17 Balance {$0.00} ) This particular account is undoubtedly placed as a charged-off account. The balance was already zero yet the account was still reporting. Please furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum
Consumer complaint received 2022-01-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (OK)

I have a vehicle loan through Exeter Finance. I am XXXX XXXX and Covid slowed business to almost a halt for a few months. I contacted them and let them know my situation and they gladly deferred two payments to the end of the loan and informed me that they would not show up as late payments since they were deferred and no balance was owed. 

I am currently in the process of trying to secure a home loan and come to find out, BOTH payments were reported as late. This is the only thing holding back my approval. I have called Exeter to try and reason with them to no avail. I have sent goodwill letters explaining again with no response. My history with them and all of my other accounts is exceptional besides those derogatory remarks.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

I have a current debt that isn't mines, I tired several times to dispute the debt as it's affecting my credit and has even cost me additional cost when trying to get an apartment when I needed during my transition of building my new home. 

Both the company and the three bureaus have failed to provide me written proof of the this debt. I have provided proof of my current and past addresses in the last 15 years, which doesn't comply to what they have on file. The bureau continues to send info has been verified with no proof and refusing to validate the debt and continue to report the erroneous negative debt. 

Rent Debt Automated XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. TX XXXX
Consumer complaint received 2022-01-07
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: EQUIFAX, INC. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

I have been denied access to online services for years with Shellpoint Mortgage Servicing. I had my single point of contact changed and was given the wrong contact information by my previous single point of contact. After multiple unanswered emails and multiple attempts to contact the new single point of contact by phone ( left detailed voicemail messages ) I now months later have not been contacted once by the single point of contact. I received a document stating my loan had been taken over by a new servicer in early XX/XX/2021 but when I contacted them they said they had never had my loan or myself as a client and none of my information was in their system. I was informed that even if my loan were serviced by them for a single day that my information would have been on record with them. I again received a different document stating my loan had been taken over by a new servicer less than two weeks from the first document in early XXXX and this servicer had no contact information and is not listed on any XXXX searches and the document stated to contact Shellpoint for customer service but again no one answers or returns phone calls or emails. I was advised to contact my mortgage servicer to find out about my eligibility and enrollment in the XXXX XXXX Relief Program but without any communication from Shellpoint I have gone deeper into the deadline to save my home from foreclosure. I contacted Fannie Mae but they offered no solution. I am without financial means to hire an attorney and need help to save my home from the predatory loan servicing practices of Shellpoint. I have documentation, Emails, recorded phone calls, XXXX  reports, and phone records to support my case. Can you please help???? PLEASE!!!! I BEG YOU!!!
Consumer complaint received 2022-08-15
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. (NC)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (CA)

I am submitting this complaint because I am being extremely affected by CREDIT MANAGEMENT , LP, They are being completely unfair and I dont know how to get ahold on them but through this portal. 

This what happened : I sold my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX in XXXX of XXXX where I was listed as the account holder with XXXX XXXX XXXX After moving they generated a final bill which was never relayed to me. Although we moved to our new home of XXXX XXXX XXXX, XXXX XXXX CA and started XXXX transferred our XXXX service to that address., XXXX XXXX XXXX never transferred our old bill to our account for payment which resulted in us not knowing we had an open balance showing Final bill was not sent. 

Last year the person who lives at our old house sent me some old XXXX bills, this is how I found out that there was an outstanding bill. 
In XX/XX/XXXX he called XXXX to setup payment plan. He paid {$400.00} in XXXX, I was led to believe they would take out the monthly payment automatically in an installment plan but I later found they failed to do so. 
And the collection company didnt send me any notices eithe Account information. : Date Assigned XX/XX/XXXX Original Balance : {$930.00} Responsibility : Individual Solution : Deletion account from all credit bureaus and waive the balance.
Consumer complaint received 2022-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-14
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. (GA)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They removed some reports from Equifax but they were not able to remove it from XXXX and XXXX. 
The company showing on my report are XXXX XXXX XXXX XXXX. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2022-01-14
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: Experian Information Solutions Inc. (AL)

I am a victim of identity theft. It is sad that these companies can flat out violate the federal law like this. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I will be filing with the federal courts about the continuous back and forth with the credit reporting agencies and companies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify not one thing. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level.
Consumer complaint received 2024-09-16
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. (IN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

I have attempted to resolve an ongoing issue that has been, and continues to be, problematic to my financial security. It came to my attention in XXXX that numerous, 23 to be exact, of the payments that were made to this account were denied as eligible payments towards the Public Service Loan Forgiveness Program ( PSLF ). The payments that were denied, range from XXXX to XXXX with the reason of denial being that the Payment Was Received Outside of Payment Period Window. All of these payments were not made outside of the payment period window and should be counted towards the PSLF eligible payments. I have contacted FedLoan by phone ( XXXX ) numerous times since XXXX in reference to this issue and spent an inordinate amount of time without any resolution to the situation. The amount of time it takes to reach a customer service representative makes this issue very difficult to resolve and is unacceptable. The phone contact with Fedloan that was made on XX/XX/XXXX squandered two ( 2 ) hours of valuable time before a representative could be reached, which frankly, should be an embarrassment to the Fedloan agency. I am currently in the process of obtaining a mortgage, which this issue is hindering, and attempted to resolve the issue through phone contact yesterday and spoke with a representative by the name of XXXX ( Employee ID XXXX ) who advised me that the government will accept the payments, XXXX through XXXX, as eligible payments towards PSLF. It was advised that a time of when this will happen could not be provided but that the loans should be forgiven after six ( 6 ) more payment periods. When asked if something could be provided that explains this could be obtained to provide to my lender for mortgage approval, it was advised that nothing could be provided. According to the FedLoan website, the Expected Forgiveness Eligibility date is XX/XX/XXXX, which is not accurate due to the fact that payments have been made towards these loans since XXXX. Phone contact has proven to be of no assistance in this matter and a letter requesting a resolution was recently mailed in hopes of avoiding legal fees, in an attempt to resolve this situation, and to request that documentation be provided in a timely manner with an accurate expected forgiveness eligibility date of XX/XX/XXXX and no response was received. This issue needs to be resolved as soon as possible and FedLoan appears to be indifferent and has offered no assistance in resolving the issue.
Consumer complaint received 2022-01-07
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX XXXX I was going over my credit report and I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES ACT to help protect the integity of my credit. I was needing my following accounts to refected a current status due to the impact of COVID-19 : XXXX XXXX XXXX  XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX  XXXX ( XXXX 30days ). 

I have addresses showing that do not belong to me. I never lived at these addresses please delete:XXXX  XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX OH, XXXX.