davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
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: EQUIFAX, INC. (MD)

This is totally unacceptable. This is my second complaint due to the negligence the bureaus have displayed. On XX/XX/XXXX I sent in my first letter regarding the inaccurate, misleading, and false reporting items I noticed on my credit report. I received no reply from the bureaus because of this. I wrote them a second letter on XX/XX/XXXX. I have yet to hear any response from the bureaus. This is a violation of my rights Section 611 ( a ) state that once a reporting agency receives a dispute within 30 days, the agency must record the current status of the disputed account or delete the account from the report. It has been over 80 days since my original letter was sent. The bureaus have a duty to provide notice of dispute which they are clearly ignoring. These violations are payable up to {$1000.00} each I demand these accounts to be deleted for their inaccuracies and the negligence of the bureaus. I will not wait for another 60 to hear a response. This has been stressful and needs to be addressed.
Consumer complaint received 2020-05-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: FULTON FINANCIAL CORPORATION (MD)

This complaint concerns three problems : missing statements, vague payment information, and money missing from my account. 

-- -- First I will address the missing statements. -- -- I had been receiving statements through the mail, and I never opted into receiving statements online. Against my wishes and with no written notice, Fulton Bank switched my statements to online only and stopped mailing them to my house. The bank has never mailed me any notification of the switch. 

I notified the bank of this problem, but the representative told me to just view the statements online. 

Then, when I went to view a statement online, the bank would not give me access unless I agreed to new terms. Its not legal for the bank to withhold access to my banking records unless I agree to new terms. 

So, I am missing three months worth of statements, which Fulton needs to immediately provide. 

The period of time for which I am missing statements is XX/XX/XXXX through XX/XX/XXXX. 

I will need the bank to continue sending written statements every month as long as I have an outstanding balance on my loan. 

Also please note the timing of the banks actions. Previously I had a problem with employee fraud at the bank, and the bank failed to respond to my concern in a timely manner, so I contacted Complaint.consumerfinance.gov. The bank stopped mailing me statements immediately after I filed a XX/XX/XXXX complaint against Fulton. 

-- -- Next I will address the problem with vague payment information. -- -- The bank did mail a statement for the period of XX/XX/XXXX to XX/XX/XXXX. They included an unaddressed envelope with the statement, but no payment stub was included for me to return with a check, and they did not give any specific directions as to where to mail the payment. Nor did the statement indicate a due date. If I know the due date, the address for payment, and what information to include on the check, I do not necessarily need a payment stub. 

-- -- Finally, I will address the money missing from the account. -- -- In Fultons  XX/XX/XXXX response to my CFPB complaint, Fulton wrote that if I closed my account, they would mail me a check for {$24.00}. Instead, they mailed me a check for {$7.00} with no explanation regarding the difference, and because they also failed to provide bank statements for several months, I can not check my statements for insight. 

-- -- In summary, -- -- I am seeking : the missing statements covering XX/XX/XXXX through XX/XX/XXXX ; clarified payment information ( payment address, due date, reference number or else how they would like me to identify the check or money order with my loan ) ; explanation for sending me a check for a lower dollar amount than what the bank told the CFPB it would be. Also, I would like the missing money returned to me. 

I hope other consumers reading this are soon able to search the phrase Fulton Financial class action lawsuit and find a group of consumers who have experienced similar problems.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have reached out XXXX times over the last XXXX years, requesting information be suppressed, that were made on my account fraudulently. I complied with all FCRA guidelines, regarding what I needed to send in, including, but not limited to a identity theft report. The credit bureau has not acknowledged receipt of the suppression request ; have not given me a reason as to why the suppression has not been granted, nor communicated with me, within the legally obligated XXXX XXXX. I have certified receipts of the mail being delivered as of XX/XX/XXXX, XXXX business days ago. This is the exact non-response from XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I OBTAINED AN AUTO LOAN ON XX/XX/2019, IT IS NOT REPORTING ON MY CREDIT REPORT, I  NEED THE AUTO LOAN THAT I HAVE WITH XXXX XXXX XXXX TO BE REPORTING ON ALL THREE OF THE CREDIT BUREAUS,
Consumer complaint received 2020-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have reached out to this credit bureau numerous times to have them remove inaccurate and unverifiable information on my credit. This company fails to comply. All that I am asking for is proof of debt, which is my right as a consumer. They refuse to send proof of debt which they are supposed to have in order to report this on my credit. They continue to say that the following items are verified and when I report them to you all they want to act clueless like they have no clue what I am referring to. I am reaching out this last time before I file a lawsuit against this credit bureaus as well as the creditors. XXXX  is the only credit bureau that has complied and removed everything that they couldnt verify. How is it that XXXX  couldnt verify it but XXXX  and Transunion can, something isnt adding up. Again I will be filing a lawsuit against this company & requesting that they pay the XXXX fine for violation of the CFPB as well as for time and money waisted to get this corrected. I am asking them to provide verifiable proof of the following account XXXX XXXX XXXX ACCT # XXXX XXXX XXXX/XXXX XXXX ACCT # XXXX XXXX XXXX/XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX. I have attached proof that the other bureaus have removed some of these items due to not being able to verify the inaccurate items. Im asking them to provide proof and or method of verification if they cant provide these things Im demanding they remove them immediately
Consumer complaint received 2020-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (DE)

On a recent review of my credit reports, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I recently was a victim of identity theft, and was trying to get my " free '' annual report from Transunion for review. Their webpage layout suggests that you have to establish an account to do so, and requests your credit card number in the process. Assuming they required the latter to verify my identity, and clicked to continue, and proceeded printing out my report. To my surprise, I later received an email stating that I had subscribed to their credit monitoring service, and that they had charged my credit card {$24.00} + {$2.00} tax for this disguised chargeable order. No costs were mentioned on any of the web pages I viewed. This occurred on XX/XX/XXXX. You can cancel the monitoring service online, but you can not obtain a refund. I cancelled the service twice, both times on XX/XX/XXXX, as although I received an email after the first attempt confirming cancellation, it wasn't obvious from my online account that it was cancelled ( it had an end date of XX/XX/XXXX ). Their website is deceptive, and forces unsuspecting consumers to pay for a minimun one month service when all they may want is a " free '' credit report. Consumer beware, you will be out of pocket {$27.00} with no obvious recourse!
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681 et seq. for unlawfully obtaining my Equifax consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless -- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified in accordance with section 1681e of this title by prospective user of the report through a general or specific certification. 15 U.S.C. 
1681b ( f ). Chester vs Purvis, 260 F. Supp. 2d711 ( S.D. Ind 2003 ). 
I have not initiated any transaction with XXXX XXXX. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection.
Consumer complaint received 2020-05-12
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. (WA)

I have reached out to this credit bureau numerous times to have them remove inaccurate and unverifiable information on my credit. This company fails to comply. All that I am asking for is proof of debt, which is my right as a consumer. They refuse to send proof of debt which they are supposed to have in order to report this on my credit. They continue to say that the following items are verified and when I report them to you all they want to act clueless like they have no clue what I am referring to. I am reaching out this last time before I file a lawsuit against this credit bureaus as well as the creditors. XXXX  is the only credit bureau that has complied and removed everything that they couldnt verify. How is it that XXXX  couldnt verify it but Experian and XXXX  can, something isnt adding up. Again I will be filing a lawsuit against this company & requesting that they pay the XXXX fine for violation of the CFPB as well as for time and money waisted to get this corrected. I am asking them to provide verifiable proof of the following account XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX/XXXX  XXXX  ACCT # XXXX XXXX XXXX/XXXX  ACCT # XXXX XXXX XXXX  XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX. I have attached proof that the other bureaus have removed some of these items due to not being able to verify the inaccurate items. Im asking them to provide proof and or method of verification if they cant provide these things Im demanding they remove them immediately
Consumer complaint received 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I reached out to my mortgage holder ( NewRez ) in XXXX of this year XXXX to request that they cancel my PMI on my home loan. I bought the house in XXXX and have never missed o r even been late on a payment. NewRez sent me an notice in the mail in XXXX of XXXX stating that they cancelled my PMI effective XX/XX/XXXX and that I should receive " New payment information within 2-3 weeks from the date of the letter. '' I have yet to received a new payment and or new payment information. 
On XX/XX/XXXX I called NewRez " Customer Care '' and spoke to an XXXX and explained the situation, she said she saw where the notice to cancel PMI had been mailed out but could not explain why there was no change ( deduction ) in my monthly payment?
Consumer complaint received 2020-05-12
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. (OK)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$650.00} XXXX   XXXX XXXX {$94.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$440.00}
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XX/XX/2019 XXXX XXXX XXXX sales and finance staff collaborated in producing a predatory loan in order to sell a XXXX XXXX XXXX  XXXX XXXX in the amount of {$42000.00}. To confirm our suspicion we reached out to the lender and requested a copy of the original credit application be forwarded to us. The findings were as follows : - Forgery of credit application. 
- Overstating income for applicant # 1 in the amount of $ XXXXmo as retirement income when applicant # 1 works full time making only $ XXXX/yr. 
- Overstating housing expenses of applicant # 1 as $ XXXXmo in rent when the home is owned free and clear. 
- Overstating length of employment for applicant # 1 saying 5 years when applicant was at current place of employment for less than 12 months. 
- Overstating income for applicant # 2 in the amount of $ XXXXmo working as a XXXX at an XXXX XXXX  when applicant # 2 is a XXXX  speaking XXXX XXXX. 
-Understating applicant # 2 's housing expenses as living with family when applicant lives only with his a spouse and children paying rent. 

Applicant # 1 was rushed and tricked into cosigning this fraudulent purchase to help " lower the cost '' of Applicant # 2 's work vehicle because Applicant # 1 has great credit. All along XXXX XXXX XXXX  's sinister plot was make financial gain by defrauding the lender into funding a loan Applicant # 2 can not afford.
Consumer complaint received 2020-05-11
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name
Consumer complaint received 2023-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

They didnt take my deposit when they where supossed to wotch caused me to have a deficit witch now they wont let me sell my possitions without XXXX  them a significant penalty to were any withdrawal or if I sell accests they get my money the company is robinhood
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number. XXXX. Date opened. XX/XX/XXXX XXXX XXXX XXXX Account number. XXXX. Date opened. XXXX XXXX, XXXX XXXX. Account number. XXXX. Date opened. XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2020-05-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

Department of Education Navient claims that I was late 1 payment in XX/XX/XXXX and Late one payment in XXXX of XXXX, late 1 payment in XX/XX/XXXX and late 6 payments in XXXX from XXXX to XXXX. This is not accurate. I should be current for all the months as this account is in deferment. Thank you for your time and consideration.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (WA)

LEXIS NEXIS CONSUMER REPORT ( Consumer Number : XXXX Case Number : XXXX ) IS NOT TAKING OLD INFORMATION OFF MY REPORT AND ALSO HAVE WRONG NAMES, ADDRESS AND DATE OF BIRTH.
Consumer complaint received 2020-05-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

To Whom It May Concern : I disputed a tradeline from XXXX   XXXX XXXX  with Transunion on XX/XX/2020 that came back verified XX/XX/2020 from Transunion. On XX/XX/2020 they received another letter asking for method of verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ). Transunion failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Since Transunion is now in violation of the FCRA, I am reaching out to your agency to see if we resolve this with the tradeline being deleted due to improper investigation if one even happened at all, Incorrect information reporting and Transunion failure to provide method of verification in a timely manner. If we are unable to resolve this and get the tradeline deleted I will be forced to file a suit against Transunion. 
All supporting documents have been attached
Consumer complaint received 2021-03-28
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: U.S. BANCORP (IL)

We have tried to resolve the fact that US Bank placed charges on our account that they said that I, XXXX XXXX XXXX, signed for. They do not have any records of me ever signing for this credit for any charges to go on it. After trying to get some resolution and no one ever calling me back, they put that I would not pay on my consumer report ( bad marks ). I since have tried to get this resolved. This is like a XXXX XXXX scam. Any time I try to ask for someone to speak to, I get a paper in the mail to fill out and send back to them and no one replies. Again, this is totally a XXXX XXXX scam! Please help! My credit is now bad because of this scam.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

I requested my free annual credit report from all three credit reporting agencies ( by phone ) on XX/XX/XXXX. I received my reports from all credit bureaus but Equifax. They never want to send it. Please assist. My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX Last four of social : XXXX
Consumer complaint received 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

I request hardship help? XX/XX/XXXX. PHH mortgage services / Ocwen serving only offered Hardship Forbearance Plan for XXXX - XXXX XXXX at this date I will have to pay lump sum of {$2200.00}. I am afraid of losing my home because I will not be able to pay lump sum come XX/XX/XXXX. I had to agree because no other offer. Once again PHH / Ocwen is a predator servicing company. They never correct my escrow amount they are saying I owe {$130000.00} on my home I brought XXXX.