davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-07-03
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)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/2021 I was making a purchase for lawn furniture in the amount of {$79.00}. I was paying for it via my PayPal account. As soon as I select purchase I notice the company was charging me an additional {$1000.00}. I immediately reached out to PayPal on the same day. They advised that it wouldve investigated. I thought it was taken care of until the funds left my account on XX/XX/2021 in the amount of {$1000.00}. This depleted my entire balance in my checking account and part of my savings. I immediately contacted PayPal again on XX/XX/2021 in which they advised they were still trying to reach out to the company. I advised PayPal I needed my funds immediately. I had bills to pay. I reached out again on XX/XX/2021 to PayPal checking on the status and was advised that this was still being investigated and give it a couple more days. I followed up again on XX/XX/2021 at this point I was advised that I would be given provisional credit in the amount of {$1000.00} while the case was being investigated. On XX/XX/2021 I received the funds in my checking account. On XX/XX/2021 I receive an email from PayPal indicating the investigation is done. As a result I owe the retailer and they will be taking the funds out of my account. This is absurd. I thought PayPal was to protect consumers. I dont even have this merchandise. This has to be against the law.
Consumer complaint received 2022-01-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is the XXXX complaint i am submitting because the XXXX previous responses capital one never did what was said in those responses. Capital one is being holding frozen approximately {$70000.00} of my XXXX XXXX funding since XXXX 2021.even after submitting all the docs they required. In the last response cap one has stayed that they would be returning the funds to the sender MBE CAPITAL PARTNERS by XX/XX/2021. Of course they never did SO I WOULD LIKE TO KNOW WHY THEY DIDNt DO WHAT THEY STATED ON THEIR LAST RESPONSE? IT SEEMS THAT THEY TRYING TO KEEP THE MONEY THATS WHY THE DISHONESTY OTHERWISE WHY WOULD THEY KEEP LYING ABOUT IT. Also as i am not the only person they are doing this too i would like capital One to give a report as to where all those funds are.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NV)

This debt is from an account shared which my ex had used my ssn without my permission. Obtained phones and lines of service resulting in a XXXX dollar debt. I furnished proof that she owned the debt via text messages, not only sent through XXXX  but to southwest credit systems located in texas. They also have posted the debt from years ago as new. It already was disputed successfully and removed from a credit collection agency named XXXX.
Consumer complaint received 2022-08-22
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. (FL)

This is XXXX XXXX XXXX, and I am submitting this CFPB complaint to inform the Credit Reporting Agencies that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 

1. XXXX XXXXXX/XX/2022 2. XXXX XXXX XXXX XXXXXX/XX/2022 3. XXXX XXXX XXXX XX/XX/2022 4. XXXX XX/XX/2022
Consumer complaint received 2021-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I have owned a coop located @ XXXX XXXX XXXX XXXX XXXX NJ XXXX since XXXX. 
I originally obtained a 30-year mortgage from XXXX XXXX  XXXX but over the years the lenders changed from XXXX to XXXX and then to Shellpoint Mortgage ( aka New Rez ) which was not my doing, but the result of the transactions between the lenders. During the entire time I owned this coop unit, the property has always been insured without any gap or lapse of coverage as required by the building. 

Shellpoint Mortgage took over around XX/XX/XXXX and suddenly sent out a letter stating that my property didn't have proof of insurance so they had to insure it on my behalf and start an escrow account. So, I immediately uploaded my proof of insurance ( the policy coverage page ) to the web address they provided, and received their letter dated XX/XX/XXXX ( See attachment 1 ) confirming that they received the proof of my coverage & that they are canceling the insurance they purchased on my behalf and thereby the escrow account as well. 

However, even despite & contrary to their own confirmation and numerous phone calls to correct the matter during which they all confirmed again that I had no liability and they would pass it on to their insurance department ( to no avail ), they have not canceled the escrow even to this date and still continue to bill me for this escrow account ( See attachment 2 ). 

I don't have the bill that contained the original escrow amount any more, but I remember it as in the neighborhood of {$69.00}. It's not a significant amount, but the amount that never even needed to be there in the first place, but that they kept on bilking me with all this time since XXXX last year despite the proof of its non-necessity. 

This is also an epitome of the staunch bureaucratic rigidity plaguing the industry that don't admit to their own fault even in the face of the clear proof against it. Moreover, this is a clear example of how predatory these lending institutions are even down to nickeling & diming of their customers. 

I await your just & rational action against Shellpoint 's injustice.
Consumer complaint received 2022-08-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX we had an mortgage audit done with a full disclosure.In this audit it appears that our mortgage had not followed the guidelines set up by TILA and the laws set up by the state of Georgia.We have sent out an Error Resolution & Information Request and " Qualified Written Request.There is strong opposition that our loan had issues from the inception of the loan.There was a 2 year in the process of our loan.We purchase the home on XX/XX/1996 yet it did not enter into the VA data base until XX/XX/XXXX, XXXXThis we believe is where the issues of lost payments began.Now we have discovered that the 13 banks involved in our transactions of funds all had an hidden agenda.see attachments which explains our concerns and discoveries that were blatantly ignored. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-02
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: OneMain Finance Corporation (IL)

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one credit inquiry that I find to be problematic. The inquiry in question was apparently made by ONEMAIN FINANCIAL on XXXX XXXX, XXXX, XXXX. XXXX XXXX, and I have no recollection of doing any business with ONEMAIN FINANCIAL. I contacted ONEMAIN FINANCIAL, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

The second inquiry was made by XXXX XXXX XXXX. I do not remember working with this company, but I do remember working with XXXX XXXX ; as they are the company I used for my recent auto loan. However, I applied for that loan just a few weeks after applying for similar loans from XXXX XXXXXXXX XXXX XXXX XXXX Based on my research, I believe only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  should be the only inquires showing on my report. Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Consumer complaint received 2023-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY (CA)

I sent the court, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX letters. The last letter dated XXXX? XXXX saying don't contact me anymore. You ( XXXX ) failed to provide detailed information sent to me and the court so, on XX/XX/ i sent a certified letter to XXXX asking : 1. Statute of limitations for debt in CA is 4 years. I don't believe I owe this debt. I've never spoken to or had an account with XXXX XXXX XXXXXXXX XXXX. I am retired XXXX XXXX XXXX non working veteran I am requesting following informstion from XXXX : A. Send me original purchase agreement with wet signature. 
B.Provide me accurate creditor contact information. 
C.Provide me accurate account number and itemized billing ... when the debt was established and when and if the debt was charged off. 
D. More importantly, I am requiring Proof of ownership that XXXX has a contract with with creditor and authorized to collect debt from me. 
If I do not receive all the information I will file a complaint with Consumer Financial Protection Bureau Cal.Civ Proc. Code Section 697.310, 697.340
Consumer complaint received 2021-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (IN)

Recently I did and investigation on my credit report which caused me severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct under 14 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation and promptly notify the information that the information has been modified or deleted from the file of the consumer. If y are unable to provide me a copy of the verifiable information within 15 days after your investigation you must remove the accounts and the information listed below and they have not gotten back to me or removed the accounts
Consumer complaint received 2024-12-10
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: VANDERBILT MORTGAGE & FINANCE, INC (TN)

We have applied for assistance several times this year, have been approved sometimes and lost funding to pay the extension amount. It has veen 90 days since our last approval and we applied again one last time to be told NO immediately after receiving an email offering help. 

I didnt want to expose this part of our family business but earlier this year my husband XXXX XXXX which took our whole world and tossed it upside down. He has done XXXX  and is finally back at work so we are aksong for one more chamce to adsume our mortgage back and even offered a {$2000.00} good faith payment that can be paid next week. And then process our assistance request packet. PLEASE.
Consumer complaint received 2021-09-15
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: Experian Information Solutions Inc. (IL)

I recently mailed Credit Bureaus a letter disputing items appearing on my credit report, which they maintain. They response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Their response is ludicrous. 
Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. They are still bound by the 30 day investigation period which has now lapsed. The following items must be removed : 1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. This account resulted due to identity theft. 
XXXX  XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Consumer complaint received 2022-01-18
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. (MS)

Please remove all Fraudulent accounts as I have no knowledge of any these accounts due to the XXXX data breach/identity theft. all is begin investigated by the FTC. The FPCA is intended to secure my rights to privacy has been breached. According to FCRA 605B anything that in unknown to me must immediately block it from my credit report until your investigation over so I need you to put these fraudulent/authorized inquires in dispute please or you failing to comply to the FCRA
Consumer complaint received 2022-06-28
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. (SC)

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

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

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

15 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. 


Please remove this account.
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

CREDITOR : XXXX COLLECTION : LVNV FUNDING LLC CREDIT BEREAU ; XXXX, XXXX, XXXX XXXX XXXX AMOUNT : {$710.00} I recently pulled my credit and saw a Discrepancy that was reported on my credit files that I have no knowledge of this account I would like this account removed from my credit file due to the fact of identity fraud. I reported this account to the credit bureau 's in i didn't get the respond or verification of my identity to saying this account belongs to me. my rights is being Violated under the fair credit ACT.
Consumer complaint received 2022-01-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRUIST FINANCIAL CORPORATION (NY)

I have never been in contract with XXXX XXXX XXXX they are POSING & reporting late payments under false alias Regional Acceptance it is illegal for them to continue to claim or falsify information or threaten me I will be taking legal action if the harassment continues REMOVE ALL LATE PAYMENTS ON CREDIT REPORT
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NE)

On XXXX XXXX I applied for a checking account online with Wells Fargo and they sent me an email stating that it was approved. Then I made a direct deposit from my employer and the paydate was on XX/XX/2021. Then I received a letter stating that they were closing my account. They stated that it was because of a previous account. However I don't owe them anything as I have been through a Chapter XXXX Bankruptcy. I filed in XX/XX/2021 in XXXX NE case number XXXX.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WASHINGTON FEDERAL BANK (WA)

On XX/XX/2021 I opened a checking account online with Washington Federal Bank. In the opening process I was given a choice between three types of debit card designs ( Sounders, Kraken, or plain ), and I chose the Kraken card. I expected it to arrive in about a week as is the industry standard. 

Two weeks later, on XX/XX/2021 I called their customer service inquiring about the status of my card because I had not yet received it. I was told that because I had chosen a custom design my card could take up to three weeks to arrive and that is was in transit. I told the employee that they should really advertise that on their website so that consumers can make informed decisions because I needed that card to make purchases on my new account. I waited another week and the card did not arrive. 

I was in the hospital for 3 weeks after that, and when I got out I checked the mail, expecting to find my card in the large pile of mail that had been collected for me and it was not there. I called customer service again on XX/XX/2021, now 6 weeks after opening my account, to tell them that the card had not arrived. I was told by the employee that the person in charge of ordering my card had neglected to order it on XX/XX/2021 when I opened my account. She told me it would arrive that week and had no empathy for my situation. I asked for a follow up from management about the incident and to date have received no contact from WAFED Bank. 

On XX/XX/2021 I received a debit card in the mail, but it was the plain design and not the Kraken one that I had waited extra time to receive. The employee I spoke to on XX/XX/2021 must have lied to me since she said that it had been ordered at the time I called. I also can not believe that something so simple as ordering debit cards is managed by individual employees with no oversight to ensure the task is completed, and is not an automated process.