davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CO)

The company has changed names numerous times because of litigation. Shellpoint mortgage still holds close to XXXX of funds they have illegally held for over 2 years since my last complaint. This process so far has done XXXX. They have XXXX fear of litigation or repercussions. They laugh at government regulation and oversight. The class action lawsuits are proof. 
Shellpoint/NewRezXXXX XXXXXXXX still hold XXXX on loan number XXXX. They mailed a check to the wrong address and lied about it. I have the destroyed ( due to inclement weather ) XXXX  package to prove they mailed it to the wrong address which I believe was on purpose. They mailed the check without notice of any kind so I was not expecting anything. When called about the check they said they mailed it to the appropriate XXXX XXXX XXXX that was a lie. The lady said she would issue another and mail to the correct address... XXXX days later that has not happened. I have called numerous times. 
They forced me to pay off the loan because of exorbitant fees and they have still not issued the funds. 
Further, they lied and said the loan is still in default even though its been paid off for over 60 days and my credit just dropped XXXX points 2 days ago. I have documented for future adjudication. 
This complaint is being made again for the XXXX time over 3 years to show in court. 
Lastly, they need to reimburse all the illegal fees including forced insurance and pay interest at the same rate they charged me for the entire time they held the money in excess of the mortgage amount for 3 years.
Consumer complaint received 2016-10-26
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (ID)

I was working for a car dealership. I was working in exchange for a vehicle. XXXX XXXX XXXX. This dealer went behind my back, and used my information to fraudulently obtain financing on said vehicle through Credit Acceptance Corp. Credit acceptance corp started calling me for payments and I explained to them the situation, they within a week repossessed the vehicle from me. Now I have a repossession and unpaid balance on my credit of 3 times what the XXXX was even worth. I have told them of the fraud as well as disputed it with the credit bureau and all they do is renew the account so its fresh lowering my credit even more.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I've run into a brick wall with XXXX, Experian, and XXXX. They've ignored all my disputes on my credit report about the inaccurate AND unverifiable information, which violates 15 U.S.Code 1681e ( b ). They didn't take the necessary steps to check the proof I provided, which is their duty to ensure accuracy. 

It's been 41 days since I reported this on XX/XX/2023, way past the required 30-day investigation period stated in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). They've left me hanging with zero updates or results. 

Worse still, XXXX, Experian, and XXXX hasn't noted my dispute in subsequent credit reports, a clear violation of 15 U.S.C. 1681i ( c ). So anyone checking my credit is getting a distorted view of my situation. 

I'm really frustrated with XXXX, Experian, and XXXX not playing by the rules and hope you can help set things right.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I've run into a brick wall with Equifax, XXXX, and XXXX. They've ignored all my disputes on my credit report about the inaccurate AND unverifiable information, which violates 15 U.S.Code 1681e ( b ). They didn't take the necessary steps to check the proof I provided, which is their duty to ensure accuracy. 

It's been 41 days since I reported this on XX/XX/2023, way past the required 30-day investigation period stated in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). They've left me hanging with zero updates or results. 

Worse still, Equifax, XXXX, and XXXX hasn't noted my dispute in subsequent credit reports, a clear violation of 15 U.S.C. 1681i ( c ). So anyone checking my credit is getting a distorted view of my situation. 

I'm really frustrated with Equifax, XXXX, and XXXX not playing by the rules and hope you can help set things right.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've run into a brick wall with XXXX, XXXX, and TransUnion. They've ignored all my disputes on my credit report about the inaccurate AND unverifiable information, which violates 15 U.S.Code 1681e ( b ). They didn't take the necessary steps to check the proof I provided, which is their duty to ensure accuracy. 

It's been 41 days since I reported this on XX/XX/2023, way past the required 30-day investigation period stated in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). They've left me hanging with zero updates or results. 

Worse still, XXXX, XXXX, and TransUnion hasn't noted my dispute in subsequent credit reports, a clear violation of 15 U.S.C. 1681i ( c ). So anyone checking my credit is getting a distorted view of my situation. 

I'm really frustrated with XXXX, XXXX, and TransUnion not playing by the rules and hope you can help set things right.
Consumer complaint received 2023-05-15
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. (GA)

To whom it may concern, Hi my name is XXXX XXXX XXXX. I have XXXX accounts of credit report that is hindering me badly and its causing mental and physical breakdowns. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX These accounts are hindering because I am trying to move my family into a house but because of these fraud accounts that I did not apply for, they are bring my score down and its causing turmoil in my life. I am stressing because I have to move my family into a bigger home. My mental state of mind is declining also. I am not eating, sleeping and functioning right because I do not what to do. I been disputing these accounts because its identity theft. These are not my accounts. I would like these accounts remove so I move on and get my family a home. These accounts are hindering my credit score and I am being denied left and right. Once these accounts are removed, I will finally be able to provide that home for my family.
Consumer complaint received 2023-05-12
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CT)

XX/XX/XXXX received a debit card in the mail with my name and expiration and a debit card number. On XX/XX/XXXX I went to the Chase Bank, and they told me that the account was under my name with my Social Security number, and date of birth and address, but the phone number and the license was wrong.
Consumer complaint received 2023-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (NV)

I have not received any information/correspondence/phone calls on what this debt is. It just showed up on my credit report about a XXXX  ago. I have lived at the same address and had the same cell phone number for over XXXX years so getting a hold of me should not have been a problem. I pride myself on my excellent credit and would not let something go to collections... especially for {$250.00}.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am of victim identity theft and have contacted XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Transunion and XXXX 3 times since XX/XX/2023. I have provided them with a copy of my police report, FTC report, ID, SSN and bills serval times. And they refuse to remove these fraudulent accounts and addresses. They have also reinserted fraudulent information back on my report without notification and some items they have refused to remove them from my credit report. The accounts are as follows : Fraud Accounts- 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 XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX I am requesting that these fraudulent accounts be immediatly removed from my credit file. I did not open these accounts and they do not belong to me
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

Unauthorized credit inquiries 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 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

Check # XXXX for {$4800.00} was issued from my business PNC account to a vendor on XX/XX/2022. My vendor deposited the check and it cleared my PNC account. On XX/XX/2022 the vendor sent me his statement from his bank ( XXXX XXXX ) that the check had been pulled from his account with a error notice " to referr to maker ''. My client does not have the funds and XXXX XXXX has confirmed the funds were sent back to PNC and provided their batch number for the transaction. PNC has not yet returned the funds to my account. I reached out to my business banker on XX/XX/XXXX and placed an escalation call to PNC customer service. I have reached out multiple times and still have no answer to where my funds are.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CO)

I initiated a deposit for {$4000.00} on XX/XX/XXXX using the mobile application but their application stated it was too much for the deposit through the application. I then when to the Chase Bank on XXXX XXXX XXXX XXXX XXXX, CO XXXX and deposited the check with XXXX, the branch manager. I let him know that I was depositing this check because it hadn't accepted the check. He took the check and deposited but It was never credited on XX/XX/XXXX. When I receive an email on XXXX stating my {$4000.00} dollar deposit was reversed, stating it was a duplicate deposit but on my XX/XX/2023 Chase Bank statement, it only shows my original electronic deposit completed on XX/XX/XXXX. When I called the customer service stated it was cashed at a different financial institution but when I called my XXXX XXXX  where the check was written, it was only chased on the original date of XX/XX/XXXX and processed on XX/XX/XXXX. The last printout of Chase I requested showing my transaction history only shows the one time deposit but at the bottom of the Chase statement, it shows that on XX/XX/XXXX, it states the check was deposited at Chase on XX/XX/XXXX but again, never credit. The funds have been removed from my XXXX XXXX  account and I was credited the {$4000.00} once then removed on XX/XX/XXXX from Chase. Chase has not done the proper research to show the check was credit twice. Yes, it was deposited twice but credit was only given once and withdrawn once on XX/XX/XXXX which leaves my credit of XXXX. I provided them bank statements and printouts from my XXXX XXXX  showing it was withdrawn only once but they're refusing to credit my any {$4000.00} on my Chase Checking account. I'd like to receive my {$4000.00} in my checking account.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (CA)

Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report with fraudulent activity and now am continuing to still see fraudulent inquiries. This is very upsetting, please remove these inquiries from my credit report within 4 business days. 





Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX  XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX INCINQUIRY DATE : XX/XX/2023 XXXX
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NH)

I have requested them to stop contacting my son on our student loan account which was in arrears. He has nothing to do with the loan application and as we were not able to make payments, they started to send him harassing phone calls. I called today and spoke to the acct manager and he said that since we were behind in payments, they were reaching out to 3rd parties to get a hold of us. I asked them to stop and he said that they were allowed to do this. 

We have spoken to them on several occasions to try to restructure loan payments and they refused saying we are able to may the XXXX XXXXXXXX payments. We have also filed a complaint with their corporate office on this issue as well and they supported the original determination that we can make the payments. I do not have exact dates on my conversations with them. Total amount owed to them is XXXX. I have contacted them at least 4 times during the past XXXX to restructure payments without any luck.
Consumer complaint received 2016-10-04
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

I refinanced my mortgage with XXXX XXXX XXXX through XXXX XXXX services via a CASH OUT refinance, and in the process paid off my Vehicle, a credit card, and lastly my WELLS FARGO INSTALLMENT LOAN .... In the process, there was an overpayment to WELLS FARGO of $ XXXX of which I immediately notified wells fargo who had informed me a check would be issued and would arrive in no less than 7 business days ... At this point, it has been 45+ business days, multiple calls, multiple hours spent on hold, multiple research requests, multiple notices that they never actually sent my money back to me, and now finally they have apparently cancelled the check and told me they would direct deposit the overage, which I had requested them to do originally .... Lo and behold its been over a week and still no direct deposit ... They said friday it would be deposited for sure as that was 5 business days after the direct deposit request ( XXXX ) but hey of course I still dont have my money .... I contacted title and they instructed me to reach out to the CFPB ... so this is where we are ....
Consumer complaint received 2023-05-12
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. (GA)

In accord with the fair Credit reporting act XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can't furnish an account without my written instruction
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (AR)

Since the last complaint I filed on XX/XX/2023 the credit card company Aspire did not follow through with their own agreement on my account that they offered themselves during the last complaint. Aspire did not bring my account current, as I was still {$500.00} + in the hole because of fraudulent transactions that I tried disputing with them. I also made aware during the last complaint that I requested activation of the credit protection feature due to a injury. They are charging me for the fraudulent transactions, but they stated during the last complaint that they were going to activate my credit protection which cover my payments while I recovered from my injury. Two {$14.00} transactions posted to my account from them for the credit protection. That's not even the actual monthly payment amount. This is unfair credit card terms that they are trying to put upon me. And now upon talking to a support agent XX/XX/XXXX they have closed my account and I'm sure it's up for collections which will damage my credit score.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I have attached the original dispute to Experian submitted on XX/XX/XXXX. I have also attached a Method of Verification request.

Experian is not taking investigations seriously. Experian is not deleting addresses which I have never heard of before, after telling them I have never heard of them and have no idea where they came from.

FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. This information is more than reasonably available yet has never been provided to me. In fact, Experian sent me a XXXX " method of investigation '' email prior to the commencement of my disputes, so how could a reasonable investigation into my sensitive credit data take place?

Experian also claims to have verified a bankruptcy on my credit report. Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The XXXX  Court should be the furnisher of information, not a third-party source such as XXXX or XXXX XXXX. Furthermore, the U.S. XXXX  court does NOT verify consumer data, and does not make sensitive data public in any filings. Therefore, they have lied to me in saying they verified a XXXX  
Experian did not conduct a reasonable investigation. Therefore, unless I receive verifiable proof that documents were shared and a live person at each creditor was spoken to, each account must be deleted. Each address that does NOT belong to me must be deleted.