davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-31
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. (FL)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Reported : XX/XX/XXXXXXXX XXXX BANK XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (SC)

In XX/XX/XXXX I moved from XXXX XXXX XXXX XXXX XXXX. At no time did I authorize XXXX to renew my membership as there is no store near my new address. Evidently they auto renewed and did not have my new address. This resulted in additional charges and referred them to a collection agency. I was called by the agency around XX/XX/XXXX and explained what happened to them. They had me call XXXX  who canceled my membership and on XX/XX/XXXX refunded the change. On XX/XX/XXXX all charges were canceled per the collections company. I confirmed that with them and XXXX bank. However the negative report remains on my credit reports and has lowered my score significantly. I am in the process on obtaining a VA loan and my interest rate is significantly higher due to the negative report.Score went from XXXX  to now XXXX.
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

This complaint is related to never having received a response to a request to remove my escrow account from Shellpoint Loan Servicing, and the company 's lack of response to my written request as it required and requested from me.

I have had an account in good standing since the inception of my  initial loan payment on this property since XX/XX/XXXX. The loan has been sold and transferred at least 3 times, and now it is with Shellpoint Mortgage. Shellpoint assumed responsibility on this loan  in XXXX XXXX. The first mortgage payment that I was required to make to Shellpoint was for the XX/XX/XXXX payment. I continue to have issues with Shellpoint on this payment that was timely submitted, and Shellpoint has failed to rectify its error despite repeated promises, letters, calls, and complaints ( see attached of its promise to fix a problem it has yet to fix ). The 2 pieces of inaccurate  information remain on my credit report -- that I had a late payment and that it was current the next month. It should never have been reported, and it should not currently be on my report or any references made to it.

However, this outstanding issue prompting this second complaints relates to the fact that I have not heard from Shellpoint, despite being past the 30 days since I submitted the request and was informed that I would receive a response per the company. Because Shellpoint
has a history of failing to respond to issues submitted to it in writing and on the phone and because I am still waiting for it to rectify its original problem for which it was at fault and acknowledged being at fault, I am filing a complaint concerning my escrow request that it has failed to address. I have tried multiple times to get any issue resolved by Shellpoint to no avail or response from the company. I am good standing and always have been and therefore, I meet every qualification justifying and permitting me to have my escrow account removed.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Smith, Cohen & Rosenberg LLC (DE)

On XX/XX/2021, Smith , Cohen & Rosenberg , LLC, a Delaware corporation operating in numerous states, responded to CFPB Complaint XXXX INTERNALLY closing the fraudulent debt collection account they maintained. Their response to the CFPB indicates their detrimental reliance on the incorrect information their client gave them ( facts they did not verify, despite my dispute of the debt before reporting the debt as a Collection to credit reporting bureaus. But they had, as alleged in that Complaint, filed a false credit report the same day they sent me a first notice of the attempted collection ). 

On XX/XX/2021, I sent a Demand Letter directing the company to update the 'Collection, ' which is no longer disputed based on their response to the CFPB Complaint. Smith , Cohen & Rosenberg has independently caused my credit score to drop 80 points since filing a wrongful Collection with the credit reporting agencies. There are no other factors on my credit report that would cause the poor credit rating. They have a legal obligation to un-do this harm immediately, by directing the credit reporting agencies to remove the Collection now that they have closed the file internally as a wrongful attempt to collect a debt not owed.
Consumer complaint received 2021-10-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (AL)

Attached is a copy of my mortgage statement. As you can see I am current with my mortgage payment. Selene Finance has added a {$770.00} additional charge to my payment. My loan modification was denied and now they are trying to charge {$770.00} for the loan modification. I don't think it is fair for me to pay my mortgage payment every month and this additional fee. Please look into this matter.
Consumer complaint received 2021-10-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I entered in to a consumer credit transaction with Capital One Auto Finance XX/XX/2021 involving a finance charge along with a down payment of {$3500.00} from my debit card. Pursuant to 15 USC 1605a the finance is charge is the sum of all charges in a consumer credit transaction and DOES NOT include cash.

The option for insurance was not offered to me as well as my right to right of recession they purposely denied me my rights by not providing me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. 

Upon further review of the transaction I reached out to Capital One multiples times via phone ( XX/XX/2021, XX/XX/2021, XXXX XXXX ) to demand my title be returned to me with no lien or any type of security interest and was told by a representative they had not received the perfected title from the dealership in order to provide the form needed to remove them from my lien. But would reach out to the dealership to expedite the process, however the DMV printed off their screen to show me that Capital One was already listed prior to this conversation which is the reason I called. 

They have now began to email me about late payments and attempts to collect on a debt for something I do not owe them as the finance charge is the sum of all charges and was paid in full through the consumer credit transaction. 

I have now sent via certified mail a Validation of Debt, Cease and Desist as well as an Affidavit of Truth, still awaiting response. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Capital One Auto Finance is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K.
Consumer complaint received 2021-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (NY)

Navy Federal Credit refuses to explain why I have been charged XXXX dollars more than my total deposit amount on one account. I have been paying XXXX since XX/XX/2021 to clear this issue. 
In XX/XX/2021 they removed XXXX. That was expected for my overdraft protection.then money was added to my account. In XXXX I was told my checking was closed. I owed the XXXX. That's XXXX more than I receive in monthly income and can not go over. Then in XX/XX/2021 I am told by letter that I only can use mobile banking. I can not talk to any member of their customer service. 
Without explanation in the letter for this. 
Then in XX/XX/2021, my account went from XXXX to XXXX with explanation. Can not talk to anyone and the statement only says adjustment. Adjustment for what? I haven't used the account since XX/XX/XXXX. 
XXXX XXXX is running Navy Federal Credit Union as if it's her personal bank with bias and bad blood towards people with dark skin and with mental health issues. I even had conversations with employees who agreed NAVY FEDERAL CREDIT UNION EMPLOYEES are treated like XXXX and slaves. Several conversations about unionization must have been the final straw.
Consumer complaint received 2020-05-30
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. (NE)

A collection account was removed from my credit report from XXXX XXXX. My credit score did not increase at all from the removal of the collection account from my credit. My credit score should have increased at least 23 points from the removal of the collections account.
Consumer complaint received 2021-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sa-Vit Enterprises, Inc. (NY)

I pulled a copy of my credit report and notice this company reporting derogatory information about me, I reach out twice before contacting the CFPB requesting verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. To date they have not responded.
Consumer complaint received 2021-10-29
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. (MN)

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache you have given me.
Consumer complaint received 2021-10-29
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. (MD)

On XX/XX/XXXX I submitted a letter to TransUnion in regards to two unauthorized hard inquiries that were place on my credit report reported by the same company named XXXX, first one was dated XX/XX/XXXX and second XX/XX/XXXX. I did not give permission for XXXX to pull my credit. I requested TransUnion to delete these two inquiries from my credit report immediately which still has not been done. I've made several attempts to have TransUnion to honor this request. Upon speaking with different representatives and the fraud department to investigate this matter I was told that I had to file a complaint with the FTC/cfpc before they would remove these two hard inquiries. I am now reaching out to you to help me to have this matter resolved asap! I also want to state that I sent TransUnion documentation explaining in detail my concern and resolution that I'm seeking. This was sent by cerified XXXX mail. I received receipt of delivery on XX/XX/XXXX that my letter had been received by TransUnion. 
Thank you for your attention to this request, US citizen.
Consumer complaint received 2020-09-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX I asked Transunion when an adverse account showing a payment delinquency would be taken off my credit report since it is hurting my credit score significantly. ( this is a chase mortgage which was late 120 days on XXXX, XXXX. I received a file number XXXX and simply asked in a dispute when it would be taken off. I was told on XX/XX/XXXX this adverse account would be removed because it would be 7 years after it was first recorded. I first when online to make this dispute or request for information and did not receive an answer. I then contacted Transunion on XX/XX/XXXX and spoke with a rep at XXXX who told me it would be taken off XX/XX/XXXX when the first report of a 120 day delinquency was recorded. In XX/XX/XXXX It was not removed. I then resubmitted the dispute online at Transunion/dispute web site on Mon. XX/XX/XXXX and received an update today XX/XX/XXXX with no information as to when the delinquency would be removed. I then called XXXX and asked the rep when it would be taken off ( the delinquency has already been removed from my other reports on XXXX  and XXXX  ). I was told to call the XXXX Credit Bureau which handled my mortgage at XXXX. I spoke with a chase representative who told me it is handled by Transunion and not them. I called Transunion back and they resubmitted a dispute and I would not get an answer until XX/XX/XXXX. I called Transunion again, not satisfied with the answer and the rep told me it would be taken off XX/XX/XXXX. I am getting the run around and these people at Transunion appear to not know what they are talking about. To sum this up : I first went online in XX/XX/XXXX. I was initially given no response to my question of when this adverse account would be taken off. Next, in XX/XX/XXXX I was told by a rep it would be removed XX/XX/XXXX 7 years after it was first reported. Today, Thursday XXXX XXXX, XXXX I am being told that it would be removed XX/XX/XXXX ; Then again, I was told I would have to wait for the answer on XX/XX/XXXX because the dispute was resubmitted. The bottom line is I was iniitally told after 7 years it would be removed. It has been 7 years and has not been removed and I am getting the run-around. I can not get a simple answer to a simple question. The other credit reporting agencies have removed this delinquent account after 7 years ; why is Transunion being so obstinate? Please help me. Something that should be removed from my credit report after all these years is still there and greatly hurting my credit score. 

thank you XXXX XXXX
Consumer complaint received 2020-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

When looking at my credit report on XXXX XXXX under enhanced recovery one bill was for XXXX and the other XXXX attempted to reach out to collection agency on XX/XX/30 asking for a deletion which agency states the do not delete only paid in full letter ... I will not pay for an account I have no knowledge of, secondly they can not provide validation of said debt, no signed contracts for the original creditor XXXX only a bill which is verification of debt not validation of the debt
Consumer complaint received 2021-09-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

I had XXXX at XXXX XXXX in XXXX, MO in XXXX of 2021. I was told I would have to pay a set amount of money upfront before having XXXX, to pay for what the insurance company would not cover. I paid that amount so I could schedule XXXX. Fastforward to XXXX of 2021, I get 5 collections related to billing by XXXX XXXX for my XXXX. Nobody ever contacted me about the bills, I never received the bills in the mail, and I called them to try to make it right and pay the bills, and I was told that the accounts would not be removed from collections, even though XXXX XXXX is clearly liable for these bills not getting paid. This would be a different situation if I hadn't offered to pay the bills to correct their mistake, but they still refuse me the ability to make it right. So I would like to report them for destroying my credit, that I have worked tirelessly for years to repair, and refusing to correct their mistake. Now is refusing to remove the collection from my report as well.
Consumer complaint received 2021-09-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC (NV)

The Contract for my Loan says 18 payments of {$81.00}, and then 240 payments of {$180.00}. I have been paying according to the contract terms. The Company charged me a Late Fee in XXXX because their system is unable to support my payments that I am paying early. They consider me LATE because i am paying ahead of time. They need to count the payments that I've made & then count the months so they can see i am NOT LATE. I was on the phone today trying to explain this to XXXX the manager at extension XXXX but he has no idea what he is doing. He said i am considered Late. I told him to read the legal document, the Contract so he can see that i am ahead of schedule and not late.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I follow my credit report almost daily and the credit reporting agencies are not factoring in correct information to obtain my score and it keeps it low and substandard so I can not obtain reasonable interest rates because of their unfair reporting. 

I have an XXXX cold that gets paid off monthly and has no credit limit but my report shows XXXX  limit which directly and negatively affects my score because it appears as though my available credit is lower than what is truly available. 

They can not answer my question when asked and it was previously reported with a {$6000.00} available credit but per XXXX they are not supposed to report a limit for a GOLD card so when that changed my XXXX  listed it as a negative impact as if my " available limit had been lowered or closed " I can not get help from anyone with this issue and my credit score has literally dropped into subprime >. HELP PLEASE
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IL)

XX/XX/year> I was approached by two men in the XXXX outside of a XXXX. These two men had a tap to pay device or similar and tapped my phone wallet stealing {$2500.00}. I immediately called police and made a report. I then called my bank and the card housed in my phone wallet was cancelled. The {$2500.00} went to a XXXX account named XXXX XXXX, after further investigation the username to this account is XXXX. Multiple employees from Wells Fargo confirmed that the bank would be reaching out to the merchant to confirm proof of goods or services. This was not done. The bank denied my claim because my phone was not lost or stolen and stated that it was an authorized charge because of this. I was advised to call my phone carrier which is XXXX. XXXX informed me that they do not have access to phone apps and to contact apple wallet support. I spoke to XXXX XXXX  support and they informed me that when Wells Fargo cancelled my card it removed all information including transactions from my XXXX XXXX  as part of a privacy agreement. XXXX also confirmed that as long as my phone was unlocked the tap to pay device would work without additional authorization. I reached out to XXXX and they were able to located this transaction. They also indicated that there are many cases open for similar charges and that they FBI is involved. They provided me both with a transaction ID and Reference ID however due to client privacy policy they can not issue a chargeback because it was done through their zettle app. The back office of XXXX strongly urged me to have my bank issue a chargeback so that they then could provide the bank with the necessary information and release the funds. Wells Fargo has refused to do this and even XXXX can not understand why as this would be a simple fix. Wells Fargo has continued to be negligent and from the very first phone call has not taken the steps they said they would to confirm the fraudulent activity. Myself as a consumer have found more information by simple google searches. I have gone into branches and branch employees also cant seem to understand the disconnect that is happening. Wells Fargo has incorrectly notated this case from the beginning. XXXX has stated time and time again that this is fraud and they need the bank to issue a charge back so they can perform the work they need to on their end.