davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

This is related to my initial complaint # XXXX which CFPB has closed. Shellpoint Mortgage responded with erroneous and inaccurate information. The responding correspondence from Shellpoint dated XX/XX/XXXX is requesting " a signed, dated later explaining the nature of any bank deposits greater than {$1000.00} on your XXXX and XX/XX/XXXX bank statements ''. This request is nothing more than an attempt to delay and to charge additional late fees. I sent to Shellpoint each and every document/bank statement requested and reported all of my income. My bank statements show deposits from the Social Security Administration clearly identified as " SSA Treas XX soc sec '' in the amount of {$1400.00}. I also received a call on XX/XX/XXXX from XXXX at Shellpoint requesting the same information. She had my bank statements in front of her during our conversation. She stated that she saw no unexplained deposits over {$1000.00}. She acknowledged the automatic deposits from Social Security. She apologized for the call and said she did not understand why the underwriter was requesting this information. Again more erroneous and incorrect information wherein Shellpoint lays blame on the investor/underwriter. Additionally, I received a certified letter from Shellpoint dated XX/XX/XXXX ( attached ) stating the same thing that XXXX XXXX informed me of with a phone call ; that a loan modification would increase my monthly payment and my interest rate would remain the same. The letter also states the denial is NOT based on my income. So that resolve is erroneous because my request for a loan modification is based on a reduction in my pension that was approved by the United States Department of the Treasury, so how is that fact of my income reduction disregarded? In my appeal to Shellpoint 's denial, I requested full disclosure on how they determined denial. The only information enclosed in their response was loan history from the origin. The response did not address any disclosure of how it arrived at the denial. Also, the letter refers to a post-modification which I have no knowledge of. I have never received a modification from Shellpoint. The only adjustment Shellpoint made in my account was a reduction in my tax impounds based on an error wherein Shellpoint blames XXXX XXXX XXXX for. I believe the only reason this letter was sent was to satisfy the 45 day response time. Shellpoint did not give full disclosure or answered any of my questions regarding denial of my loan modification. In the phone conversation with XXXX, she also said I was credited the {$170.00} for the unnecessary same-day appraisal that Shellpoint demanded and invaded my privacy. That was false information. I have no credit showing on my XX/XX/XXXX statement for that amount. Shellpoint appears to be making up scenarios as this goes along. In the meantime, they continue to charge me late fees
Consumer complaint received 2023-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: EQUIFAX, INC. (CA)

I am writing to express my dissatisfaction with XXXX XXXX XXXX XXXX handling of my car loan. I had a car loan with your institution, and unfortunately, the car was sold, leaving a remaining balance of {$2200.00} and a repossession on my credit. 

I had an extra gap insurance policy with XXXX XXXX XXXX XXXX to cover any extra expenses in case of car damages or repossessions up to no more than 150 % loan remaining balance. However, despite having this insurance policy, I was still left with a significant balance and repossession on my credit. 

Furthermore, I have discovered that changes were made to my account without my authorization. I have reason to believe that these changes were made through a document that was illegally obtained while I was incarcerated. This document does not have my signature or annulment with XXXX XXXX credit union, yet the changes were still allowed to go through. 

I have disputed this matter in a couple different ways. The situation has caused significant damage to my business funding, my living situation, my future moving situation and the funding of my daily living expenses and use of my credit line. It has been a major setback for me, and I am extremely disappointed with the way that XXXX XXXX XXXX XXXX has handled this matter. 

I have attached the relevant documents to this letter to support my claim. I believe that XXXX XXXX XXXX XXXX should have taken more care to ensure that changes to my account were made with my authorization. 

I will like to XXXX XXXX XXXX XXXX XXXX review my case and refund the remaining balance on my credit as well as take the repossession off my credit. I also request that you investigate and unauthorized changes made to my account and take appropriate actions to prevent this from happening to other customers. 

I trust that you will take the necessary steps to resolve this matter in a timely and satisfactory Manner. 

Thank you for your attention to this matter. 

Sincerely : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SANTANDER HOLDINGS USA, INC. (IL)

Chrysler Capital have attempted to sue me for a debt that has been charged off within their system. They have also not validated nor responded to previous disputes or cease and desist notice received XX/XX/23. ( See Attached Exhibits ). The reporting of this account on my consumer report is causing me harm and and restricting my ability to utilize my credit.
Consumer complaint received 2023-06-26
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-06-26
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. (TX)

I have BEEN SENDING LETTERS SINCE 2022! I have reached out to you all ( THE CREDIT BUREAUS ) multiple times in regards to disputing inaccuracies on my credit report and I feel like no matter what I do, I am being overlooked. You're either accusing me of going through a third party or wanting me to take the difficult route of disputing online when I am able BY LAW to just send you a letter. It's easier for me to dispute through letters because I'm able to put it all together in one. I have learned so many things about this process and I'm applying it. I want to apply it without seeming as though my disputes are too advanced for me to have done it myself. It is simple to learn things, especially when it comes to your finances. ALL I WANT IS FOR YOU ALL TO THOROUGHLY REVIEW MY DISPUTES. I am not trying to dispute with laws. There are actual incorrect marks on my credit report that I want removed or updated.
Consumer complaint received 2019-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NV)

XXXX XX/XX/84 ssn : XXXX XXXX XXXX XXXX XXXX s. XXXX XXXX XXXX, nevada XXXX XXXX XXXX XXXX XXXX XXXX nys XXXX today in XXXX XXXX XXXX XXXX and XXXX XXXX lets remember no us bank can keep you from your cash for any reason. not to mention if chase needs to verify someone theirs a corporate number a important person at every branch calls and computers verify you ... and youd think i was actually me before asking i already know questions thry ask to verify if ya lost ya card they aint ask mr how much i get from us treasury monthly ... even told them my last two withdraws were from XXXX ... and id imagine since fdic insurs ya cash there are federal rules in situations like this. so you know why this guy told the teller not to give me my cash? cause my signature didnt match when opened scct five yrs ago i go give me an email address youll have ya in box XXXX not good enough cause he ran and tellers need over ride but XXXX intelligence ifentification protection act and this wouldnt mean XXXX if i walk around XXXX and facial recog? what i want a federal investigation not on me but chase jp morgan and how when one campaigning one thing but do me a favor you know..then actually do whatever you think is right ...
Consumer complaint received 2023-06-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2023-06-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-06-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I am resubmitting CFPB complaint XXXX submitted on XX/XX/2022. In these two complaints I am requesting Carrington produce the mortgage note as evidence that Carrington owns the note. Over five years ago, Carrington notified me in writing that my loan was sold to XXXX. 

I am requesting that Carrington produce the original or certified proper copy of the mortgage note for the Borrowers and Department of Veteran Affairs inspection immediately.
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC (CA)

I've been trying for month to settle my debt with this company, whenever I ask for documentation to prove the debt will be settled in full or any additional questions the call agents start to use abusive language, including yelling, profound words, insulting me personally. I've tried to contact them directly but can never get through either. Only on their terms.
Consumer complaint received 2023-06-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-26
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)

I was reviewed my credit report I notice there's some inaccurate item on my credit report. I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccurate information. According to the 15 U.C.S 1681 there should not be any damage on my credit report it's defamation to my character.
Consumer complaint received 2023-06-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$210.00}
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (FL)

I was trying to buy a house, when I reviewed my credit report I notice there's some inaccurate item on my credit report. I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccurate information. According to the 15 U.C.S 1681 there should not be any damage on my credit report it's defamation to my character.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 2023-08-14
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: Experian Information Solutions Inc. (PA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-28
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. (LA)

I am writing to formally dispute the inclusion of child support information from Louisiana XXXX XXXX on my TransUnion consumer report. After reviewing my credit report, I was dismayed to discover that child support payments have been listed as a derogatory item, adversely affecting my credit standing. I strongly believe that this reporting is inaccurate and violates various laws governing consumer reporting, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I Started working full time in XXXX. So the last few months i decided i was gon na purchase a vehicle so I found something i like. So they ran my credit and i was denied. 
i was kind of surprised. So i tried a few other places i kept getting denied. So i started educating my self on how to get a full credit report. so i was able to obtain one from every credit agency. i was in shock to see all this stuff on my credit report. there aint words to describe how i felt. I went from maybe getting a car to looking at all this negative stuff on my credit report. And here I am trying to take the proper steps to fix this
Consumer complaint received 2023-06-27
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. (AL)

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$48000.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX Balance : {$7600.00}
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (NY)

XXXX. A relationship was established with merchant XXXX with a reoccurring monthly billing of {$2.00}. The only authorized email for use with any and all of Podomatic services is the identical email used for PNC financial services. Notwithstanding the same, it came to my attention on XX/XX/2023 that XXXX has been sending credit card, invoice, and other information to the XXXX address XXXX which address has been flagged for fraudulent activity and is not authorized for use neither with PNC nor XXXX. 

XXXX. PNC employees/workers/contractors, etc., what have you, engaged in criminal activity have been sharing such information, apparently, to advance fraud and identity theft via the capture of credit card and account information. It was my intent to cancel Podomatic services prior to this recent billing on XX/XX/2023, which I intended to do upon receipt of the XXXX ( XXXX ) day notice of billing in advance by XXXX. I was precluded from doing so, as it appears that PNC employees/workers/contractors, etc. colluded with XXXX to send the billing notice and actual billing/receipt info to the expressly forbidden XXXX email XXXX.