davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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. (TX)

This is my 3rd attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed account was reporting to my credit file held with 3 Credit Bureaus. This account were opened fraudulently. I informed them of the issue & provided them with the required documents to correct the account via FCRA Section 605b. They have failed to correct the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need this account to be corrected from my report ASAP : XXXX XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance : {$10000.00}.
Consumer complaint received 2023-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2023 I filed an Identity Theft Affidavit with the Federal trade Commission for illegal reporting from the credit reporting agencies. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-07-11
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)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XXXX and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (TX)

Last year we paid a midwife service to do home birth and we made payments to the midwife and when baby delivery time came the midwife quit. The midwife kept saying that she was coming and never showed up. We had to call XXXX and my wife was rushed off to the hospital where she almost died from too much bleeding and all because the midwife never came. We disputed the payments made to the midwife and chime denied the disputes because they said that by making payments during the course of time we established a repor therefore creating a base to prove that the payments were made to pay for services thus showing that my payments could not be refuted nor refunded. The midwife did not deliver the baby and her unprofessionalism caused my wife to sustain injury and injury to the baby also. The services that we were paying the midwife for were never rendered to us and I disputed this matter with chime bank only to be denied. I am not satisfied with my dispute being denied and we are a poor family and that money that was denied to us to be refunded will make a difference in our lives. We work hard for our money and if we would have had the midwife come and deliver the baby at home we would never have had to dispute anything but due to the fact that she quit on the day of delivery we should not have to pay forcefully for a service not rendered. In support of our argument we attached the the emails before the baby was born where the midwife said she was not coming to deliver the baby and that she would call XXXX and send the ambulance. We want our money back please help us
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NY)

Credence resource management has called me multiple times from a multitude of numbers, all starting with some variation of XXXX On multiple occasions- they do not leave a message. When I get a chance to answer, I hear a beep and they hang up on me right away. When I call back, I ask who the company is but can never get a straight answer- usually somewhere along the line of Ill transfer you to the next representative but never gives an idea as for what. This has been going on for at least 2 months. Today, XX/XX/23, is the first time I was fully able to understand the companies name. I XXXX  them and found their website. As I live in NY, I asked to speak to XXXX XXXX and the woman I was speaking with became very scared all of a sudden and needed to put me on hold. She came back on the line stating XXXX wasnt available and wondering why I wanted to speak to him. I explained that Ive received multiple calls and wasnt sure why, was only made aware of the company today, and wanted to speak to XXXX. I also asked for any correspondence to be mailed to me. The woman ignored me about having my correspondence mailed and stated I would have to call XXXX tomorrow. I stated I would and ended the call.
Consumer complaint received 2024-11-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Shellpoint Partners, LLC (PA)

COMPLAINT We are demanding the lender adjust the rate to where it should have been as quoted on the good faith estimate back to the date of commencement of the loan which is on or about XX/XX/XXXX. Newrez aka Shellpoint denies they are not the responsible party, which is hereto attached. XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX advises that Newrez aka Shellpoint is the responsible party pursuant to their agreement by and between one another. Therefore, the two lending companies are misrepresenting statements of fact and therefore this matter requires further documentation. Again, this is fraudulent lending practices and continued financial game/gain. All responses are attached. 


Dear Lender : This demand is a formal notification pursuant to my documented call and the direction of Shellpoint, division of NewRez servicing this loan to notify the lender as to the predatory lending, imposed on this lending terms that were unfair and abusive. Also, the lender failed to disclose information or disclosed false information, high interest rates or fees and risk based pricing. The above loan terms and conditions are in dispute for the following : The above loan commenced on or about XX/XX/XXXX. The interest rate was initially set at 6.375 % on the good faith estimate, which is attached for your perusal ( hereinafter as Exhibit A ). This rate was rescinded because the property was determined to be a condotel. Since this property was deemed a condotel, this rate increased to 7.3750 %. We have recently discovered and ascertained information that our property should not have been recognized as a condotel as our Association maintains the allowable percentage to not be considered a condotel ( hereinafter attached as Exhibit B ). Since conception of the loan, we faithfully paid the amount each and every month. Due to the most recent occurrences of the hurricane XXXX and XXXX that hit Florida, we have become one of those being faced with catastrophic damages to our dwelling. We are demanding the lender adjust the rate to where it should have been as quoted on the good faith estimate ( see Exhibit A ) back to the date of commencement of the loan which is on or about XX/XX/XXXX. Further, please see Exhibit C response from trust company advising Shellpoint is holds the loan which they only service the loan. This information is in accurate. This matter is of urgency, as such we are requesting an immediate reply on or before XX/XX/XXXX before pursuing CFPB and filing an injunction. Thank you for your consideration and your prompt attention is required. Sincerely, XXXX XXXX Managing Agent ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) Shellpoint Mortgage Servicing certified rrr and first class mail ( w/encl )
Consumer complaint received 2023-07-12
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. (TX)

I want to file this please as my formal complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2023-07-12
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. (TX)

I CAN NOT BELIEVE THIS I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. These accounts have violated my rights! 
XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violating so many rights!! 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature or I expect these accounts to be deleted within 30 days!!!
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NY)

XXXX. The first incident took place at my work place, my debit card was taken without permission or consent by an employee who was making multiple unauthorized transactions without my permission, the Dates of the transactions were XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, the credit was awarded to me than it was taken back. 

" I've filed police report for both incident, a complaint letter notarized by the clerks office. and Navy Federal Affidavit of forgery " XXXX. The second incident happen when I was making a {$20.00} Dollar withdraw from the atm at a XXXX, I pulled my debit card out after receiving the funds and realize my chip was scratch, assuming there was a skimming device in the atm, I crush my card together and threw it In the trash at the store, I left that day for my flight, day later when I'm returning I go back to use my account I realize there had been {$10000.00} cent missing from my account from multiple different XXXX across New York, I immediately called navy federal to cancel my debit card, after submitting a fraud claim navy federal has refused to give me my funds back and have gave me a difficult time and argued with me and the funds were for the purchase of my vehicle to go to work, I had to call my sister to purchase my flight back for me fast forward today navy has blocked access to my debit card and has not returned none of the funds and I'm still not able to purchase my car, I need this resolved immediate please and thank you.
Consumer complaint received 2023-07-13
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. (PA)

Company is not licensed to collect a debt in my state. I do not contract with this company and am not obligated to any repayment or alleged collection. Remove the following accounts from my consumer credit report and block them from accessing my private information. These accounts have caused me serious injury to my person and has caused me to suffer severe financial loss. Cease and Desist the reporting of the following accounts within four 4 days as per outlined within the FCRA guidelines, specifically 605B : BLOCK AND DELETE. 

XXXX XXXX XXXX Opened XX/XX/2022 XXXX XXXX XXXX Opened XX/XX/2022 Misuse of my consumer profile is considered identity theft and harassment. I appreciate your swift response and remedy to my credit profile within 5 business days from receipt of this complaint. 

thank you
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credence Resource Management, LLC (AR)

It showed up on my file a few days ago and I contacted them tried to get them to verify or validate the debt by requesting a copy of the original contract with my wet signature also tried to dispute under permissible purpose US C 15, 1681B and they refused to find my dispute or to hear anything I had to say all they wanted me to do was admit that I gave my daughter XXXX, my permission to open that account which I didnt, and they were threatening to call her and theyve already called her multiple times trying to get in touch with me about this day and I asked her to contact me
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

This Citi Bank closed my acct and my direct deposit went in on the XXXX XXXX and it was kicked back out and they told me they sent out my check on the XXXX of XXXX and it will be 10 to 15 days it don't take that long so now I been told the check was sent out on the XXXX XXXX and I still don't have it I'm about to be put out where I stay my car need fixing I'm gon na get evicted cause they playing around with my XXXX XXXX XXXX Check now they close my acct. With no reason and I haven't had a check the whole XXXX.
Consumer complaint received 2024-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc. (MI)

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX just a few days ago, I tried repeatedly to log into my account to make my payment but my username & password are not accepted. Every time I put my username in to login, it is not going through and repeatedly keep asking for my username over & over & over again and never get to log into my account. Prosper credit card gave me no notification that I am to use a different login portal or that it's a new website address or ANYTHING??? I had this similar problem just a few months ago. I do not like paying late. Can someone investigate this matter to find out why this is happening again?
Consumer complaint received 2019-06-13
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. (NY)

The following accounts have been disputed on these dates : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXfor late pays after account closed, comments/remarks incorrect, never got a response for Transunion, XXXX , XXXX   XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-12-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (NC)

I get called by a different but very similar number at least once a day XXXX days a week. Sometimes they make it a local number but they called me 8 times in less than a week and I have a screenshot to prove it! Ridiculous. I am not entirely sure what the debt is even for ( even though they leave a voice mail XXXX of the time but never say what the debt is for ) I have never answered XXXX  it pops up as spam likely on my phone.
Consumer complaint received 2024-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

I am having this Wells Fargo XXXX checking account since XXXX or XXXX its seems. Was having XXXX on this account for some years and later moved XXXX else where. 

Now I transferred XXXX to wells fargo once again to this wells fargo business checking account ending in XXXX. I was able to receive payments. When i am trying to send the zelle payments. I blocked me. asked to call Wells fargo. Called at around XXXX pm XXXX on XXXX XX/XX/XXXX. Tallked to XXXX- very rude and non cooperative customer service. She sent me a text message and it said that it might take XXXX hours. I got the message immediately and I enrolled into it. 

It seems Wells Fargo customer service has no idea what they are doing?
Consumer complaint received 2024-11-19
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Moody, Jones & Ingino, P.A (FL)

This company will harass you the day your payment is due. They will call you non stop through the whole month. Now it got so bad where I have anxiety so bad it got worse from the harassment from them over a debt payment. Now XXXX on XXXX so it is hard for someone like me after XXXX hurricanes. Ive asked them in the beginning not to email me. Well they started harassing me through emails. This company is very non companionable and theyre like XXXX XXXX its come to money. I wish now XXXX to have to go through this now they levy my bank account and XXXX about to be homeless in a couple weeks. I wish no one to go through this with this company. No sympathy!
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: ACXIOM CORP. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Subject : Opt- Out of sharing my Personal Information Dear Axiom Team, I am writing to formally request the deletion of all my personal information from your company 's database. I previously submitted an opt-out request online, and I would like to ensure that my information is completely removed. 

Please confirm that you will not share or sell any of my personal information. I expect a prompt response to this request, as it is important to me that my privacy is respected. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fi Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam Ima writing to formally complain about well Fargo XXXX XXXX XXXX XXXX XXXX XXXX refusal to grant me access to my safe deposit box since XXXXXXXX XXXX.Despite having paid the rental fee for that year, with the next payment due on XXXX XXXX, I have been dined access without any explanation. 
This matter is urgent importance as I have become homeless and need to retrieve my fathers will from the safe deposit box. My father passed away on XXXX XXXX, and contains crucial instructions regarding his burial. 
I have attempted to resolve this issue directly with well Fargo, but my efforts have been unsuccessful. Am requesting your assistance to ensure that I gain access to my safe deposit box immediately. 
Sincerely, XXXX
Consumer complaint received 2024-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

Transworld Systems Inc. Violating Debt Collection Laws I am submitting this complaint regarding Transworld Systems Inc. ( TSI ) for violating my rights under XXXX  law and the federal Fair Debt Collection Practices Act ( FDCPA ). TSI has repeatedly sent me letters attempting to collect on an alleged debt, as shown in the attached document. Despite my clear requests for debt validation, they have failed to provide the required documentation to validate the legitimacy of the alleged debt. 

Under the FDCPA, debt collectors are required to cease collection efforts until they have validated the debt upon request. TSI has continued to send collection letters without ever responding to my requests for validation. This constitutes harassment and a violation of my consumer rights under both state and federal law. 

I do not owe the alleged debt, and TSIs refusal to validate the debt while continuing collection attempts has caused significant frustration and distress. I request that the CFPB investigate Transworld Systems Inc. for its practices, require them to validate the alleged debt or cease all collection efforts, and ensure compliance with all relevant debt collection laws.

Attached is the most recent letter I received from TSI, which further demonstrates their ongoing refusal to validate the alleged debt. 

Thank you for your attention to this matter.
Consumer complaint received 2023-07-14
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. (MI)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.