davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NY)

I RECEIVED AN EVELOPE LEFT ON THE LEDGE ADJACENT TO MY FRONT DOOR ON XX/XX/2019 WITH MYSELF AN MY WIFE 'S NAME HAND PRINTED. THE ENVELOPE WAS STAMPED 'CONFIDENTIAL '. THIS ENVELOPE CONTAINED A WELCOME PACKAGE FROM MY MORTGAGE SERVICING COMPANY, SHELLPOINT. IN THIS PACKAGE WAS INFORMATION RELATING TO MORTGAGE IE OUTSTAND BALANCE, ACCOUNT NUMBER ETC. THERE WAS NO IDENTIFICATION AS TO WHO LEFT THE ENVELOPE. 

ON XX/XX/2019, I FOUND A SIMILIAR ENVELOPE TAPED TO MY FRONT DOOR AND AGAIN ON XX/XX/2019. 

SUBSEQUENT ANALYSIS OF MY SURVEILLANCE RECORDINGS REVEALED A PERSON BY OUR FRONT DOOR, TAKING PHOTOGRAPHS WITH A SMART PHONE THEN LEAVING THE ENVELOPE. THE SAME ON ALL THREE OCCASIONS. 

MY WIFE SAW HIM LEAVING OUR HOUSE ON XX/XX/2019 AND QUESTIONED WHY HE WAS AT THE HOUSE. HE CLOSED THE WINDOW TO HIS CAR AND HE DID NOT ANSWER. 

ON XX/XX/2019. I CONTACTED SHELLPOINT TO MAKE A COMPLAI NT AS TO THEIR METHOD OF DELIVERY AND THE ACCESSABILITY OF MY PRIVATE INFORMATION TO DEVIOUS INDIVIDUALS WHO COULD TAKE THE INFORMATION TO THE COUNTY CLERK AND OWN MY HOUSE. THE DELIVERY PERSON ONLY RANG THE BELL THE FIRST TIME, THEREFORE WHY WAS HE DIVULGING PERSONAL INFORMATION ON MY DOOR STEP. ALTHOUGH IT IS A VIOLATION OF MY PRIVACY RIGHTS AND SHOULD BE ADDRESSED IT CAN LEAD TO ME LOSING MY HOUSE FROM SOME DEVIOUS METHODS. 

ON XX/XX/2019 I AGAIN CONTATED SHELLPOINT AND WAS INFORMED THE DELIVERY WAS MADE BY XXXX XXXX XXXX XXXX. SHE DID NOT SPECIFY ANY ADDITIONAL INFORMATON. 

THE REPESENTATIVE TO WHOM I WAS SPEAKNG STATED THAT THEY NORMALLY USE THE USPS FOR SUCH DELIVERIES AND THAT THEY WOULD INVESTIGATE THE MATTER. OVER THE NEXT FEW WEEKS I CONTACTED SHELLPOINT BUT NO INFORMATION AS TO THE METHOD OF DELIVERY WAS FORTHCOMING.
Consumer complaint received 2019-05-06
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. (MO)

Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX XXXX XXXX/XXXX XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 1 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2019-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had a checking account with Bank of America for over ten years. This weekend with no warning or notice they closed my checking account. I was actually left stranded several hours from home because I wasn't able to use my card to call a XXXX or XXXX because they had closed everything down. 
I called several XXXX numbers they provided looking for information. 
Noone was willing to give me any information about why my account was closed or how I would be receiving the money that was in the account. 
I went to the store and also wasnt giving any information. I received nothing in writing. I went to the bank and was told to call the number i called the number and was told to go to the bank. 
This bank is holding my money hostage and also refusing to give me any kind of information about why or where it is. Please help me.
Consumer complaint received 2024-10-25
Product: Credit reporting 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. (TX)

I want these 5 inquiries remove from my credit I don't recognize ASAP!!! 
XXXX of 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 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I was looking through my consumer report and noticed that an account with the account number referenced above was furnished by your company on my consumer reports. This account listed the following company as the XXXX XXXX XXXX XXXX XXXXXXXX This company is not the creditor, and I am putting you on notice that I disagree with this. Pursuant to 15 USC 1692g ( a ) ( 2 ) I am demanding that you provide me with the name of the creditor of this account. Keep in mind that providing me with statements of credit does not prove that the company that provided the statements is the creditor.
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

The account as per XXXX XXXX  stated the account was opened in 2018. I had lost my wallet and i had all my information in my wallet. I had attempted to have every single document that I had in my wallet replaced social security card, birth certificate, driver license etc. I am not responsible for this debt due to FCRA requirements. 

Please remove this off my credit the account was fraudulently made. 

XXXX XXXX
Consumer complaint received 2019-05-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: West Coast Servicing, Inc. (CA)

In my initial complaint to the CFPB I pointed out that the investor WEST COAST Servicing Violated TILA/HOEPA by FAILING to provide me with ANY notices and disclosures of the rate adjusting periodically in violation of 12 C.F.R 1026.20 ( c ) and ( d ) at least 210 days before the adjustment took place as dictated by the CFPB. My rate adjusted in the life term at least 10 times and WEST COAST SERVICING and prior investors not once sent out 1 SINGLE Notice of this. Furthermore, in the discovery documents West Coast sent out in response to the notice of information and error the aforementioned documents evidencing this were not found. West Coast has not produced this to me nor have they addressed this in any of their responses to previous council, myself, nor the CFPB.

This is a defective loan with many inaccuracies and it doesnt seem like West Coast s Attorney XXXX XXXX is advising their clients appropriately letting them know the liability here and future legal issues. 

Once again, I am asking for a response on the aforementioned violations. If West Coast continues to claim that my aforementioned claims are False then please provide the pertaining documentation ; specifically the rate adjustments notifications that should have been sent out. These were NEVER sent out and that is a FACT.
Consumer complaint received 2019-05-06
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. ()

XXXX XXXX XXXX HAS PUT A COLLECTION ON MY CREDIT REPORTS THAT I PAID IN FULL PAID XXXX XXXX XXXX PAID THIS DEBT IN FULL TO XXXX XXXX. XXXX XXXX XXXX SAID IT WAS CHARGED OFF AND I DON'T KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL I AM NOT XXXX I KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL. I PAID THIS DEBT OUT OF MY HARD EARNED MONEY IN FULL HAVE TALKED TO A LAWYER AND THE POLICE THE THEY SAID THIS IS MOST LIKELY A SCAM
Consumer complaint received 2019-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Venmo has refused to communicate with me regarding my being a victim of Fraud and also Identity Theft on their service. Because they say I'm not a customer ( I'm not ) they will not give me any information. I have filed a case with my Bank who has now closed the investigation with a finding of fraud. Venmo claims that's the end of it because in their POV, the Bank is standing and I do not. 

At their insistence, I have filed a police report. The report names me as the victim of Identity Theft. Resolving any claims with my bank is no longer an excuse to ignore me. 

Now their excuse is that " I'm not a customer '' i.e. I haven't ever agreed to their terms and conditions, which undoubtedly states they won't communicate with anyone but law enforcement on such matters ( which is how they are now obfuscating the process ). Thankfully, I never agreed to their terms and therefore I'm not bound by them. 

I have repeatedly made Venmo aware of the facts, the bank investigation, and the police report regarding my identity theft, yet they refuse to talk to me or even return my communications. 

I'm now re-filing my complaint with the CFPB to now include Identity Theft, and more specifically, I'm naming Venmo as a party to that crime since they refuse to discuss the issue and provide any documentation on the crime. 

Why does the government allow companies like PayPal/Venmo to hide behind these avoidance tactics? They are complacent in a crime. I'm the victim here, not them. 

I demand to be heard and my case resolved. Paypal Lawyer Mr. XXXX is utterly unresponsive and should be held to account.
Consumer complaint received 2019-05-06
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. (TN)

I have noticed experian reporting an inaccurate late payment on my credit report. The account XXXX account number XXXX is showing a status of paid, was 30days past due with a late payment XX/XX/18 ... i have a print out of all of my monthly payments ( at the time my due date was the 3rd of each month ) as will b shown i made XXXX payment ONTIME ( b4 30days past due ) ive tried several times to dispute the inaccurate information and it always comes back verifiedIM SURE XXXX HAS NOT VERIFIED ANY NEGATIVE NOR FALSE INFORMATION, thanks for your prompt attempt to this matter please correct this information AS SOON AS POSSIBLE as it is affecting my credit score and rating
Consumer complaint received 2021-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I have requested the files and paperwork used to verify this debt two times directly from the company and credit bureaus XXXX and XXXX. No verification has been provided neither times, it just keep being updated with no explanation, no proof. I don't have any knowledge of this debt or visit to this medical provider. I have medicaid thru the state so all my medical expenses are covered I just want the debtor provide id used upon visit, patient visit reason, date time and any paperwork used cause I just wan na protect myself from identity theft I have not been to any hospitals in the past 2 years. I just want verification so I can proceed with a police report as I have a history of identity theft incidents.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (VA)

My school loans have been forgiven to due fraudulent actions and eventual school closure by XXXX XXXX. I had private loans serviced by Navient that I paid off in full but feel there is legal precendent to have these funds refunded. Navient has failed to provide proper insight or willingness to comply.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION (TX)

A company called XXXX XXXX contacted me ys from today XX/XX/2019, claiming they could resolve my past credit card accounts issues with my debts and they can lower it to 0 % interest. I told him that someone called me already from the same company offering me this deal and I turn it down a few months back in XX/XX/2019. He replied I could help you reduce all your credit card. I told him no several times on the phone but he was very persistent in helping me. He asked if I can give just 4 the last number of every card has a high balance. I went and gave him what was requested and he gave me the correct amount on each statement. I then asked him you can really remove all this and give me 0 %. He replied all will be wiped out and we will send you a credit card with 0 % and pay off your balance. I asked what was the catch on this only one-time fee to the bank that will send me a new card of {$1500.00}. Well, I said okay and what's next step he replied a verification process and a confirmation for the fee will be given after all done. Well, he called the verification department and I was transferred to a XXXX XXXX, who asked me to repeat my information given to the first representative. I gave her my name, address where to send information and credit card, also my cell and repeat total balance which was {$7400.00} not including the fees of {$1500.00} = {$9000.00} total to be paid and {$120.00} fees to bank for processing this. = {$9200.00}. She said will be giving me a confirmation which she provided afterward ( XXXX ) and that together this amount will be charged one time to a credit card on the file ending in XXXX which belongs my own bank called Compass Bank. I was asked for the bank contact to debiting this fee. I gave her my bank but security seen it as fraud and contacted me on my other line and asked not to do this. I asked the person at my bank why and she said this isn't real and they could be later. I let Mrs. XXXX know to stop all and then was pass to a XXXX who was using verbally profanity because I refused to do this. I asked him to stop all and that I decided not to go with it. He refuses to listen and hung up on me. A few days later I was charged {$4100.00} to my XXXX card which I had to pay. I called the XXXX XXXX XXXX XXXX and had a deputy come and visit me and was provided a case # XXXX. I believe this company needs to be called on there not only unprofessional and lied and deceive others. I believe they need to be closed down according to several website information concerning there complaints already field.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have disputed 4 Bankruptcies reporting on my credit report that do not belong to me. The items were all previous disputed and removed but reinserted without notification or proof of verification that meets FCRA requirements which violates my consumer violating rights so I am filing this complaint prior to litigation for punitive and actual damages. The four public records ( bankruptcies ) listed do not belong to me and both the courts that are alleged to have provided the information and XXXX XXXX the secondary party I was informed Experian used to gather the incorrect info have both stated to me they have no record of these bankruptcies in my name and connected to my SSN.