davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (VA)

My mortgage company is Shellpoint. I went into the forbearance plan with the Covid In XX/XX/2020. Since XXXX Ive been trying to get out of the forbearance and resume my payments, they send me a partial claim paperwork to sign fo the total amount XXXX. Since XXXX Ive been trying to sign the paperwork but they keep refusing to letting me know where my partial claim funds are going to be applied to. The only thing they keep telling me, you I didnt pay it on the front and when I finish paying the house to sell it I would pay it in the back. That attitude make me believe that they are just trying to keep the money and then apply to my account. My biggest fear is not me because I am an informed consumer and I keep fighting until I get what I know its right, but most people are not as feisty as I am and I will get that signed the papers and forget about it. I am sending these complain and ask him for a solution, not only for my own personal benefit but for the other people that might be in The same situation, I dont know how to go about it. This company has to be investigated, and I need some answers about my partial claim. I said certainly hope that you can help me to solve this situation. Sincerely XXXX XXXX
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-07-06
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. (NJ)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXXXXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2022-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (OH)

I received a loan from Mariner finance in XXXX or XX/XX/XXXX. XXXX was just getting started. I couldn't make payments because I couldn't work. They didn't care. They filed in court for a judgement. I reached out to them in XX/XX/XXXX and caught the account up. They kept sending me a new agreement with added charges, different than the one I signed earlier in XXXX. I didnt sign it. I saw no reason to sign another agreement as I had caught up the existing loan and was honoring that agreement.Even though I caught the loan up and continued to make payments, they got a judgement on XXXX of XXXX. After the loan was in good standing. My licensing bond was then canceled and I was forced to pay a larger amount for another bond because of the judgement on my public record. I paid this loan off in XXXX as I had an extremely bad taste in my mouth. Now its still on my public record but as a paid judgement which it never was because it was never in default to get the judgement. Mariner 's representative told me that if I gave her {$570.00} in XXXX that it would stop the judgement and make the loan current. Why would you get a judgement on a loan that was current. Additionally on my credit report, it shows up as a bad debt, paid after judgement which isn't true as well. Also when I paid it off the payoff had the additional charges on it that were on the new paperwork they sent after I made the loan current. I could go on and on about the ethics of a business who offers no help in the middle of a pandemic and then secures a judgement after you struggled and paid them money to make it current but that isn't my goal. My goal is to have the judgement removed and for my credit report to reflect the correct information. Im not asking for a refund of the extra money you charged me when I paid off the loan.
Consumer complaint received 2022-07-25
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. (TN)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any inaccurate information and account in my credit record that came about due to an alleged fraud or extortion. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX  XXXX Balance : {$1000.00}
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one credit card closed my two credit cards for absolutely no reason. Ive tried to call them and speak to them at capital one but they always responded with same generic answer that they cant reopen accounts because they dont have authority. I dont understand how any government agency can call themselves a governing body when they allow these banking institutions to do anything they want. I never violated any user agreements. Bank had no authority to close my account and it should be opened immediately. I had absolutely followed all user agreements to the best of my capabilities and never violated any agreements. Capital one simply closed my accounts because they felt like it. Which is illegal, and criminal and should be fined by federal government so this never happens again to me or anyone else
Consumer complaint received 2022-04-16
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (MS)

per the last complaint on XX/XX/2022 complaint number XXXX the company stated, " Ability Recovery Services is a third-party debt collector ''. I never gave Ability Recovery Services any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt I owe. I have attached a copy of the debt validation letter, along with the cease-and-desist notice. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Ability Recovery Services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Ability Recovery Services any right to collect on this alleged debt. I have never received any documentation requesting validation from Ability Recovery Services, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Ability Recovery Services, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Ability Recovery Services, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Ability Recovery Services, continues its collection efforts, I will file for litigation for actual damages caused and Ability Recovery Services, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-04-22
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. (MI)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX XXXX Account : XXXX
Consumer complaint received 2022-07-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (IN)

Received a letter in the mail today in regards to a debt I was not aware about dating back to XXXX. I never received any information in regards to owing a hospital money nor remember going to a hospital with the date that was given which was XX/XX/XXXX. I called company and they were not much help. I tried to work things out with them and all the said was that they were going to process me to collections regardless of what actions I would take. I asked for a detailed description for the bill and they said it would take 3-4 weeks for me to receive any sort of information. They could not provide an address for the hospital either. This is all a surprise to me because I check my credit score frequently and never saw any bills that needed to be paid for. I did not receive any bills through the mail from the hospital in regards to any payments that needed to be made. It is now XXXX and I am barely finding out about this debt.
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (IA)

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-16
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: FC HoldCo LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX FLAGSHIP CREDIT ACCEPTANC Attn : XXXX XXXX XXXX XXXX XXXX, TX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with FLAGSHIP CREDIT ACCEPTANCE. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with FLAGSHIP CREDIT ACCEPTANC for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 


By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best regards, Your Name cc : CFPB via fax ( XXXX ) XXXX
Consumer complaint received 2022-04-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

The debt collector which is currently holding the amount owed from XXXX XXXX club is repeatedly calling up to five plus times per day from multiple phone numbers, unknown ( spoofed ) numbers, and under different debt collector names. This collector is based on Florida and is notorious for abusing people with their phone call collection practices. They are listed on the caller ID as Midland credit, XXXX XXXX XXXX, Unknown, and occasionally a number with no name attached.
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Following up on complaint number : XXXX Dear Sir or Madam : I am following with the complaint previoslly filed. A representative from bank of America ( XXXX XXXX XXXX XXXX called to discuss the complain and I gave all the facts and surronding of the case for last few months ( which was recorded by her and myself ) She assured this will be resolved and all my concern will be addressed ). I again submitted all the required documents for the modification and was acknowlege receipts and they wanted 3 more items to complete the file. 
To my suprise, I got a letter from Bank of America today indicating my loan is being transffered to a third party company servicing effective XX/XX/2022 that in less than two weeks. 
I strongly feel Bank of America is retaliating againts me for filling the complaint to cfpb, New York Attorney General, DOJ and other agencies. 
I am pleading with your agencies to stop this gross retaliation, discrimination and harrasmment. Please stop the transfer of this file to third immediatelly.. Thank you! 
CC : Borrower
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I have a Citi credit card had a balance transfer I call the credit card company to file a fraud dispute they say is nothing I can do because it was sent to XXXX  XXXX account, I explain to them I don't have XXXX  XXXX bank account checking or saving personal account
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On Sunday XX/XX/22 I went to Kohls to shop for clothes for my daughter. Once I was finish shopping the cashier offered my a Kohls credit card. I told her no I dont need need another credit card I will just pay. She stated it was a soft inquiry and it will not affect my credit. I asked her multiple times would it effect my credit and she stated no it would not I can look at the door where they advertise that its a soft credit pull. They she stated if I do it I would get 35 % off my purchase today. So why not if its not going to hurt my credit and Im getting 35 % off my bill. So I asked her again to make sure and she said no it will not and she will show me the ad once she was done then I said okay. She said once Im approve because kohls is a private company thats why they can do a soft credit pull without affecting a customers score. I knew that sounded weird. She told me I was approve and I told her I do not wish to use the card because I was just going to pay for it. She cHarged the card anyways. And I went to ask her again will this affect my score and she stated again no it will not affect my score and she took me yo the door where they advertise pre-qualification is a soft credit pull and she went to tell me that the sign was misleading and it dont affect my score because I was approved. Another employee came over and I asked her was a hard inquiry done and she stated she did not know. So I left the store and it just did not sit well with my so I drove to the other side of the store and asked for a manager. I asked the manager once she came do a kohls credit do a hard credit pull because I asked the cashier multiple times and I told her I did not want a hard credit pull, the manager confirm that a hard credit pull was did and she was sorry and she will offer me kohls cash for my purchase that was on the credit card. That not going to help my credit that you pull without my permission because I asked multiple times if it was a soft because they do not affect your score and she said it was nothing she could do for me. She told me to call Kohls credit and tell them what happen. I think this happened before with the cashier because I told her a very small description of the cashier and she said she knew exactly who I was talking about. So I walk out empty handed with a sorry
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-12
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. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : 1. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 2. XXXX XXXX Balance : {$0.00} 3. XXXX XXXX XXXX XXXX Balance : {$340.00} 4. XXXX  XXXX XXXX Balance : {$0.00} 5. XXXX XXXX XXXX : {$0.00} 6. XXXX XXXX XXXX : {$0.00} 7. XXXX XXXX XXXX  XXXX Balance : {$0.00} 8. XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3400.00} 9. XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} 10. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} 11. XXXX XXXX XXXX Balance : {$1700.00} 12. XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX 1. XXXX XXXX Balance : {$0.00} 2. XXXX  XXXX Balance : {$2000.00} XXXX. XXXX XXXX Balance : {$0.00} 4. XXXX XXXX XXXX XXXX Balance : {$0.00} 5. XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX 1. XXXX XXXX Balance : {$0.00} 2. XXXX XXXX Balance : {$0.00} 3. XXXX  XXXX XXXX Balance : {$0.00} 4. XXXX XXXX Balance : {$0.00} 5. XXXX XXXX Balance : {$0.00} 6. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Late/Closed 7. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} 8. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} 9. XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} 10. XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} 11. XXXX XXXX XXXX Balance : {$1700.00} 12. XXXX XXXX XXXX Balance : {$860.00}