davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them. 
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Consumer complaint received 2022-02-09
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. (WI)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

Someone used my information for fraud and obtained different things in my name. Including credit cards that I did not use from Barclays Bank. I shoes as 2 different Credir cards opened same day from the same company. 
I have no knowledge and it is effect my credit and my life and stopping me from buying things are obtaining credit. 
One card in amount of XXXX One card in amount of XXXX Every month this debt collector reports a balance increase on this debt which is effecting me. It has caused a lot of problems in my life.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In recent months, on my credit report, the account XXXX XXXX ( XXXX ) has been reported consistently on only one credit bureau ( Experian ), which violates my rights as a consumer by not maintaining a consistent report across all three bureaus. Through this complaint, I request that this account be removed from my credit report. The company is in violation of sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-08-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC (TX)

To whom it may concern, My name is XXXX XXXX and I currently own XXXX acres in XXXX, TX that was partially financed through an FHA loan. In XXXX of XXXX, I entered into an unimproved land sale contract requiring a partial release of XXXX acres with my bank NewRez. After nearly a year of misteps by XXXX, including a botched appraisal requiring a second appraisal, the partial release was approved in late XXXX of XXXX. Although the partial release was approved, it was never executed due to issues with the buyer. 

In XXXX of XXXX I once again entered into a unimproved land sale contract with a different buyer, this time for XXXX acres. Since that time, NewRez has essentially made the same mistakes, including losing my initial application, and once again botching the appraisal. I was told on XX/XX/XXXX that a new appraisal would need to be ordered, but as of today I have not heard a word back from the bank, and it seems they are essentially ignoring my requests for information and updates as to the status of this request. 

My complaints are as follows : XXXX. NewRez continues to make the same mistakes that were made previously. Seems to me that this should have been a very quick application to process. As it was already approved once before barely a year ago, there is no excuse for whatever delays they are experiencing now.

2. NewRez continues to be elusive regarding this application. Having not received any response from them since XX/XX/XXXX, I have filed upwards of seven different complaints with their main customer service line, only to be told that the complaints are " pending ''. They did in fact advise me that a new appraisal had been ordered in XX/XX/XXXX, but to date I have no heard a confirmation of this from the partial release group, or any further updates on the matter in over a month. 

XXXX. I have been forced to extend the sales contract with the new buyer in three separate occasions now. This is entirely unacceptable give the time sensitive nature of said contracts. I have thus far been fortunate having the buyer 's patience on the matter, but this the buyer could easily decide to drop the contract or even pursue legal remedies against me, for which I have absolutely no control over.

I'd like for you to investigate this matter and enforce any remedies that may be available. I don't want to believe they are delaying this process on purpose, but I can not rationally explain the delays, and have not been provided any rational explanation for them given the lack of communication from this bank. 

Also note their reviews online are absolutely horrid, which only confirms there are obvious problems with this lender and how they do business.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-27
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. (LA)

Warning to Remove Incorrect Items from my Credit Report ASAP!!!!!! 
I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Consumer complaint received 2019-01-02
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. (IL)

NOTE : This is my third complaint to CFPB about the same issue. And my 6th dispute with TransUnion, TransUnion have yet to provide me with ANY copies of original documents ( a Original Signed Contract With My Signature ) that is my Right by FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Please be advised that THIS IS NOT MY ITEM!!!!! TransUnion are required to PROMPTLY DELETE  this Negative XXXX XXXX account # XXXX. Note : XXXX have Deleted this ITEM because IT'S NOT MINES I have filed a Complaint with the Attorney General also. Please send me a Contact with my signature on it are Delete it ...
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX, I went to the XXXX, CA Bank of America ( BofA ) ATM to deposit a {$100.00} bill into my checking account. Unfortunately, the ATM would not accept the {$100.00} bill, therefore, I had made the deposit utilizing a bank teller. As I was waiting in line, I suddenly noticed an {$800.00} ATM withdrawal on my BofA phone app. Immediately, I notified the bank teller of this unauthorized ATM withdrawal as I was depositing the {$100.00}. The bank teller then instructed me to call BofA and make a claim of the unauthorized ATM withdrawal. Moreover, I requested to see the video of the ATM machine in order to find out if there were anyone who illegally used my ATM card information ; I was denied the opportunity to review any videotaping. After making my claim, BofA disappointedly denied my claim via mail ; BofA included pictures of only me at the ATM as I was trying to initially deposited the mentioned {$100.00}. I called BofA Security and pleaded with representative to let me review the ATM video, but to no avail. The BofA representative issued me canned answers to my now closed claim and highly recommended that I provide evidence to open my unauthorized {$800.00} ATM withdrawal again. I believe BofA should have activities/evidence showing my unsuccessful attempt at depositing {$100.00} at the ATM, then proceeding to the bank teller to successfully deposit {$100.00} as an unauthorized ATM withdrawal of {$800.00} occurred using my information.
Consumer complaint received 2018-11-03
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. (NC)

Experian is reporting a Closed Charge-off XXXX  XXXX card on my credit file that does not belong to me and appears to be Fraud, I have contacted Experian several times to have the Closed Charge-off XXXX XXXX Fraud account disputed, investigated and removed,. Experian continues to deny and initiate a dispute or investigation for this Fraud account. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on ones credit file. I did not Open an account with XXXX XXXX or any one whom may be collecting on their behalf. I did not agree to any documents, i did not sign any agreement with XXXX XXXX, I did not give authorization to XXXX XXXX or any creditor to open an account in my name. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on my credit file.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

Its disheartening and frustrating to discover unexplained inquiries on my credit report this morning. Despite my efforts to refresh and check for errors, the issue persists. I sincerely ask that my submitted documents be carefully reviewed to ensure this problem is resolved permanently.
Consumer complaint received 2024-10-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal Credit Union has discriminated against my person. They have taken my accounts over and Blocked me from making deposits. That is unfair business practices. They have defrauded me. And attempted to XXXX property they have no authority to XXXX. They are blocking the treasury for XXXX XXXX XXXX XXXX IS THE NON-PROFIT in which I am the treasurer. We have a family of organizations under XXXX XXXX XXXX XXXX, which is a series XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because of this I am falling behind in making payments on my bills and because of this I am unable to fulfill my obligations as the XXXX. I have people and clients depending on me. 
I would like to be remedied XXXX in my account so that I can make the necessary payments and remidy me for {$20000.00}, XXXX for my fee as the rep for said accounts respectfully, Sincerely, XXXX XXXX
Consumer complaint received 2017-11-07
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. (VA)

I disputes the incorrect information with transunion on multiple occasion and transunion refused to investigates.
Transunion always replied to me that " dispute not specific ''.
I am sure that Transunion did not even investigate and now I demand they deleted those information on my credit report. The following were disputed and with certainty that Transunion did not disputed them I want transunion to deleted the following account according to FCRA statue.
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX.
XXXX XXXX
Consumer complaint received 2021-11-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 and XX/XX/2021 I sent a letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (TX)

XX/XX/2021, I called BBVA Customer Service to request a new Debit Card. I was advised that I would receive it ... ASAP. I again call BBVA customer service in or around XX/XX/XXXX to inquire about my debit card. I was asked to visit my local branch, which I did to request ANOTHER card. XX/XX/2021 I again call BBVA to find out the status of my card and I was told to visit the local branch AGAIN to request the card. I called the local branch, and I was advised that NO ONE, WENT ON XX/XX/2021 TO REQUEST a card. I will start acquiring late fees because of BBVA failure to provide me the means to pay my bills, which all of them are ONLINE and only can be done thru debit/credit card. Last thing I was told by customer service locally was that they apologize again for the inconvenience and that they will not assist me to find a quick remedy to my problem, which is one that they created in the first place.
Consumer complaint received 2018-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (CA)

My identity was stolen in XX/XX/XXXX, which coincided with the birth of my XXXX child, making it very hard for me to spend the hours needed on the phone to try to fix my credit. Nonetheless, I was successful in removing all fraudulent accounts - or so I thought. Apparently an account with XXXX/XXXX XXXX XXXX XXXX   was opened on XX/XX/XXXX, around the same time my credit was frozen. I had no knowledge of this account until I checked my credit report in XX/XX/XXXX and saw that there was a collection on it. I inmediately contacted the company, Security Credit Services, via email and phone. I was referred by them to XXXX XXXX XXXX, and spoke to XXXX, a supervisor. I sent them a copy of my police report as requested and verified that the account had been opened fraudulently. However, it has been a YEAR and they have failed to remove it from my credit report. I am now facing paying {$40000.00} in additional interest on a mortgage due to the ongoing effect on my credit score.
Consumer complaint received 2022-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (IL)

I sent Goldman Sachs Bank USA my cease & desist letter via certified mail on XX/XX/2022. I recently saw that Goldman Sachs Bank USA received my cease & desist letter on XX/XX/2022. I demand that Goldman Sachs Bank USA stop violating XXXX XXXX XXXX ( XXXX ) ( XXXX ). Goldman Sachs Bank USA called my phone today XX/XX/2022 at XXXX after receiving my cease & desist letter. Goldman Sachs Bank USA has violated my rights once again today by harassing me about an alleged debt. I also demand that Goldman Sachs Bank USA to respond back to my cease & desist letter. I need an audit trail and any other documents so I can verify this alleged debt.
Consumer complaint received 2021-11-22
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. (VA)

I have XXXX student loans and each reporting agency is showing that I have several more than 7 XXXX XXXX is reporting XXXX, Equifax is reporting XXXX, and XXXX is report XXXX. Several have account numbers that do not corespond with the XXXX of XXXX.