davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Thaxton Investment Corporation (TX)

On Monday, XX/XX/XXXX, I was contacted via phone by a representative from this financial institution. The representative on the phone asked for XXXX XXXX. She proceeded to say that she was calling in reference to a check that I cashed from my account. I asked again where she was calling from and she stated the place of her business. I said I am unaware of what account you are talking about. She proceeds to say we are calling about a check that was sent you at XXXX and gives me my previous address. She never asked me for my address. I responded by informing her that I have not lived at that address for about 17 months. She said did you cash a check into your account for {$600.00}. I again explained that I have no idea what she is talking about, I do not have an account with their financial agency. She asks again am I, XXXX XXXX? I said yes I am. She then discloses my prior address again. I sternly explain, I did not cash a check and I no longer live at that address. She says is your DOB and discloses my DOB information, followed by is your Social Security Number and discloses my entire SSN. I said ma'am where are you getting all of my sensitive personal information. She proceeds to say that they will need to make a police report if I did not sign this check. At this time, she places me on hold and the manager comes to the line and says that I can come into the business and verify the check. The signature does not match and the manager says that I should not file a police report! I asked the manager how someone could cash a check with my name and no identification was needed. She said she did not know. I know that when dealing with sensitive information, especially through a financial institution, sensitive information is never to be disclosed. I feel as though this company broke a breech of privacy and personal information. I did contact the local police and make a police report, I also reported this to the post office as this was a check that was mailed. I have an investigation started with the mobile banking app for the account that the check was deposited into.
Consumer complaint received 2023-01-12
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items 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 items 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 companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? 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.XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX were XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX XXXX ; XXXX La XXXX Ct, XXXX, CA, XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX CA, XXXX ; XXXX XXXX Ct, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX Av, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  - XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX  XXXX Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I filed a complaint with the CFPB on XX/XX/2020 explaining how I sent a letter on XX/XX/2020 to this company regarding inaccurate and unknown things on my credit report. I also sent a follow up letter to the company on XX/XX/2020 right before filing the complaint with the CFPB. The company has been given over 60 days to comply and they STILL have been ignoring me. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. 

On top of all that, the company replied to the CFPB complaint within 3 days stating that " your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' and then marked the complaint as closed. This happened even though I sent all of my complaints by mail with copies of my drivers license and passport and a proof of address ( utility bill ). 

How can an arbitrary response like that close the dispute with nothing being resolved?? This is a stall tactic from this company and I will not be taken advantage of anymore. 

It has been over 60 days so the items in question should be deleted promptly from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress cause to me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person, yet this company doesn't seem to care about my rights as explained in the FCRA.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I wrote a check on XX/XX/XXXX. The person I wrote the check to cashed the check using mobile deposit into a XXXX XXXX account. The funds were removed from my Bank of America account. All is good. 
On XX/XX/XXXX the check written on XX/XX/XXXX was mobile deposited again unknown to me. I received my Bank of America statement on XX/XX/XXXX with a subtraction from my Bank of America checking account for the same amount as the check written on XX/XX/XXXX with the description of " FORCE POST DEBIT ''. When I called Bank of America to ask what this was, they explained that the XX/XX/XXXX check had been mobile deposited to XXXX XXXX again, XXXX XXXX honored the check and took the funds out again from my checking account. They said they tried to get the money back from XXXX XXXX, but XXXX XXXX would not give it back (?? ). They said there was nothing they could do about it, that I should go back to the person who deposited it twice and try and get my money back. 
I do not think this is right. Is every check I have written subject to being double ( or multiple times ) deposited and my checking account drained without any consequences to XXXX XXXX or Bank of America?
Consumer complaint received 2023-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

On XX/XX/XXXX, I submitted a CFPB complaint number XXXX regarding my mortgage dispute with Shellpoint/Newrez. 

On XX/XX/XXXX The above mortgage servicer filed a motion in court in order to modify my automatic stay. 

In this motion they alleged I owe {$1800.00} for XXXX XXXX XXXX, and one payment of {$1900.00} for a total of {$5600.00}. Additionally they were alleging attorney 's fees of XXXX. I believe this motion was filed in retaliation for filing the CFPB complaint. 


On XX/XX/ Shellpoint submitted derogatory mark on my credit report. 

On XX/XX/2023The Bankruptcy judge granted the removal of the Bankruptcy XXXX XXXX based on the above allegations of shellpoint/newrez. 

The company 's response the the above complaint relates that the company submitted a response regarding my loan modification to my bankruptcy attorney. However, My bankruptcy attorney indicates they did not receive any mail from them regarding the alleged correspondence in their response to my complaint. 

In the previous complaint I alluded to this company being a predatory entity. They are predatory in that they seek Bankruptcy accounts and rack up fees when you do not notice by weaponizing the CFPB and Bankruptcy rules to do so. For example their alleged letters say their loan modification is " streamlined '' but it is not based on the actions of this company is strictly for show so that " on the face '' no one sees their violations of CFPB rules and regulations and they can not dig deeper into the matter. The company seeks these bankruptcy accounts because they are in bankruptcy, who's going to believe those account holders??? I have a strong belief shellpoint tell the attorneys for these accounts " you guys want your attorney fees? you better go get them! '' The more games they play by making this mortgage company save money by screwing over the consumer and saving them money the more they get paid. Regarding the Bankruptcy rules. The no contact rule for collection actions is supposed to be a protection for the consumer. Shellpoint weaponizes this by pretending they are stupid and saying " Oh we can't contact you, so when when have to respond to a loan modification we will say we sent it to his attorney. We will win because you are in bankruptcy. '' That is just one example of the nonsense these people are getting away with and who knows how many people they are doing this to as well.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but Experian XXXX  and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number.I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX {$580.00} XX/XX/XXXX XXXX  {$480.00} XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ) XXXX {$680.00} ( XXXX XXXX  XXXX ) XXXX XXXX  XXXX   {$960.00} ( XXXX XXXX XXXX  XXXX  XXXX ) XXXX XXXX XXXX {$130.00} ( XXXX XXXX XXXX  XXXX ) It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have sent multiple letters to Experian to get this inaccurate information corrected with no success to update the incorrect information on my credit file. 

Credit Bureaus are defamation my file, FCRA Section 623 And Reporting that they use is from XXXX to report the Bankruptcy ( which is a third party ) which is in violation of the FCRA. 

XXXX has no bankruptcy on my file yet Experian continues to report that information is correct from XXXX which incorrect.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a  ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-26
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 — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (NY)

I have a loan with XXXX XXXX, GM FINANCIAL, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, GM FINANCIAL, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-10-10
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. (MA)

Hi and how are you doing? 
Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-08-26
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: M&T BANK CORPORATION (IL)

To whom it may Concern : I spoke with XXXX with M & T Bank on XX/XX/XXXX at XXXX thru the customer support line. He informed me that I needed to write a letter and fax it in regarding my concern and solution to fix my credit reporting. 
In XX/XX/XXXX, I was diagnosed with XXXX XXXX XXXX XXXX and forgot to pay my mortgage. In XX/XX/XXXX I started my treatment and my focus was on my health forgetting to pay my mortgage once again. My wife in XXXX took over paying all the bills which were my responsibility. In XX/XX/XXXX, she made a double payment to make us current. Not realizing we needed to make three payments to bring use current. At no time was I contacted by the mortgage company to inform us that we were behind. In XX/XX/XXXX, my wife went online and noticed we were still a payment behind and made a second payment on the XX/XX/XXXX. 
This week, I took the bills back over and tried to figure out what had happened. I am now writing this letter to ask for my credit report to be amended and show payments were made on time from XX/XX/XXXX to XX/XX/XXXX. My suggested solution is two part. First part, would be to make an additional payment ( {$1000.00} ) or make a payment in the amount of the fees ( {$690.00} ) on XX/XX/XXXX. Second part, would be to set-up an automatic bill payment though M & T Bank on the XXXX of each month to ensure no late payments in the future. In return M & T Bank would report to all credit bureaus that all payments from XX/XX/XXXX to current are all made on time and current and provide a letter stating so. 
If, this solution is not sufficient or you have questions or concerns please feel free to contact me on my cell phone at any time to discuss. 
After sending this letter on XXXX, XXXX, XXXX. I was informed on XX/XX/XXXX that no such department existed with M & T Bank and that it was my fault for not finding the mistake earlier. I was given the option to fall behind on my mortgage and then they could fix the reporting. I also received a letter XX/XX/XXXX stating that it is not their policy to fix reporting errors. 
If you have any questions, concerns or more documentation please contact me via email ( XXXX )
Consumer complaint received 2020-08-18
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. (WV)

Experian, unable to get meaningful cooperation despite my having emailed the CEO, I also spoke with XXXX XXXX from their executive office - the issue pertains to an account with XXXX XXXX ; XXXX, misreported the account as an automobile loan with an existing open balance from XXXX ; the account was a sales contract, paid-in-full within 6 months. Presently, the account is showing it was paid in XX/XX/2020 which, is incorrect. Experian, does not care about resolving the issue, they only care that their bases are covered, no repercussions on their end. WHY?
Consumer complaint received 2020-08-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (NV)

I went to get a small medical checkup done. ( XXXX check up ). A few samples were sent to a lab. I never received the initial bill from the lab or doctor. This was in XX/XX/XXXX. I letter checked my credit and saw I had a collection account. 

I never received a bill, account overview, notification or anything from the collection agency. ( Collection Credit Services ). I have sent them multiple correspondences to explain the debt, etc. I have gotten no communication back. 

In that time frame, my insurance has since picked up their portion of the bill. Approximately {$400.00} of the {$740.00} bill. I'm currently paying the remaining portion directly to the doctors office. ( See attached bill, dated XX/XX/XXXX In closing, I have had 2 bills that were never sent to me ( original lab and collection ). The collection agency has not communicated with me once or given a detailed explanation. My insurance has since paid their portion ( They paid in XX/XX/XXXX )
Consumer complaint received 2020-08-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (NY)

Contacted my childs father whos been an X for over 10 years. Weve never shared a phone line. Left a voicemail on his phone from come out  capital bank insisting that I call them today.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX is reporting that Ive lived at addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The addresses have been disputed, and listed incorrectly again despite the disputes. Additionally, XXXX closed my account, and charges it off. They then wrote it off. Sold it to company that I have the obligation to. The company they sold it to listed as XXXX XXXX. Says my original loan was {$11000.00}. XXXX has it listed as {$19000.00}. The amount that XXXX XXXX has should reflect XXXX. Also, the open dates of the loans are different. Due to incorrect reporting. I request that both XXXX XXXX and XXXX be completely deleted from all three credit companies Pertaining to my name. Additionally, Im asking that the addresses above be completely deleted as well.