davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I'm submitting this complaint personally regarding late payments on my credit report. Upon inspection, I discovered these entries. I've sent inquiries over a month ago but have received no response or adequate verification. I'm seeking your help to address this issue quickly.
Consumer complaint received 2023-02-16
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-16
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. (VA)

Experian credit reporting has been complicit with allowing XXXX XXXX XXXX XXXX to incorrectly report information on my credit report. I have sent a debt validation to the company within the 30 day period of them sending their collection to the incorrect address on file. They have yet to respond to the debt validation and they have inaccurately reported information on my credit report multiple times.
Consumer complaint received 2023-02-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My first letter which will be attached went to Transunion, XXXX and XXXX to properly investigate the errors and inaccuracies I found on my credit report. These letters were sent out on XXXX XXXX XXXX Almost 60 days later I received a frivolous response letter back from them, accusing me of hiring a company to dispute accounts on my credit and that I would need to prove my identity. I sent proof of my address and my Drivers Licensed attached in my first letter for proof of my identity. I have sent XXXX more letters over these 120 days and I have YET to receive any investigation result correspondence from this bureau. 
I sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and have not received any more correspondence. I feel that my rights have been violated per consumer law and I am requesting to either get compensated for each violation or for these errors I have listed to be removed from my credit reports immediately upon investigation!
Consumer complaint received 2023-02-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (NY)

15. U.S.C 1681 Section 602 A. States I have the right to privacy.

15. U.S.C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15. U.S.C 1692 CXXXX Without the prior consent of the consumer given direct to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

1. ) NCB- Is reporting on my XXXX credit report that on XX/XX/XXXXXXXX  there is a collection amount of {$13000.00} 2. ) XXXX XXXX XXXXXXXX XXXXXXXX XXXX- Is reporting on my XXXX credit report that as of XX/XX/XXXX there is a collection in the amount of {$5600.00}
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (OH)

On my Credit report there are a bunch of inquiries that I did not authorize and they all need to be deleted from my credit report. The items are as follows 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
Consumer complaint received 2023-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (NY)

I am writing this complaint that not only is PayPal violating the law and XXXX rules and regulations in regards to PROVISIONAL CREDITS they are also prohibiting me from accepting money that customers are trying to send to me. Please see a photo screen shot for the evidence of this allegation.
Consumer complaint received 2024-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: NEW YORK COMMUNITY BANCORP INC (AZ)

First, the categories of complaints you offer do NOT cover the reason I am filing a complaint. You need to add an " Other '' category... 

My Loan was again sold to a new Financer. I received written notice from my current mortgage bank in the mail on XX/XX/year>. The new XXXX assumes my mortgage on XX/XX/XXXX. 

XXXX weeks notice is a totally unacceptable time-frame for notice of a loan sale! What are the federal " rules '' regarding how much notice banks are required to notify?? 

Assume a retired person is on an extended vacation ; then returns after XXXX weeks, with absolutely NO notice at all!? 

Please respond with details regarding the XXXX requirements to notify... 

My current bank is XXXX ; the new bank is " XXXX XXXX XXXX. '' ( the name along implies fraud! I almost didn't believe this notice was " legit.! '' ) XXXX XXXX
Consumer complaint received 2023-02-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CO)

I believe Shellpoint Mortgage is dual tracking my home. I am currently undergoing loss mitigation with this servicer, but I have also received demand letters from their attorney, and my home is listed on my counties foreclosure site with a sale date of XX/XX/XXXX. I submitted a loss mitigation packet on XX/XX/XXXX. XXXX XXXX, the Single Point of Contact emailed me on XX/XX/XXXX to request documents that per the instructions of the loss mitigation packet were not required. I resubmitted my loss mitigation packet as well as the extra documents requested on XX/XX/XXXX to Shellpoint 's loss mitigation email, and also sent hard copies via USPS. I have tried emailing XXXX XXXX about issues relating to the loss mitigation process, and aside from the one email she sent requesting documents she has been unresponsive. Due to a XXXX that impacts my ability to understand and vocalize speech, I require that any communications be in writing, and am unable to call any of the numbers I have been provided for loss mitigation assistance. This is a reasonable accommodation I have requested from both the loan 's owner, as well as Shellpoint, and if they are not responding to emails this will have an adverse impact on my ability to receive loss mitigation assistance.
Consumer complaint received 2023-02-16
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. (CA)

I have made all the necessary steps to have my consumer report reviewed and get the accounts deleted because of inaccurate amounts, no investigations, and no deletions. The only thing thing they did was vertify this information and i did not give any written approval of putting my information on my credit report. There is a need to insure the consumer reporting agency 's exercise theri grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Any other adverse items are not to be written on my credit report. They have reported inaccurate information. I have written to them 3 times to conduct an investigations and they did not follow the laws when conduction these investigation because no one around me has been contacted by these agencies. I want them to deleted these items immediately.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have mailed out XXXX request to the credit bureau informing them that the late payments that are reflecting on my credit report are inaccurate and its a credit error. I have not received any response so I am taking the next step necessary. This is affecting my credit and I am not able to purchase a home at this time
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (LA)

I had a charge on my credit account and I disputed said charge. It is in violation of XXXX XXXX guidelines and must be removed from my credit report. I filed this dispute on XX/XX/XXXX of XXXX and received my answer back on XX/XX/2023. The amount in question of being past due is XXXX $ from the creditors XXXX XXXX XXXX.
Consumer complaint received 2023-02-15
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. (MD)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is XXXX XXXX XXXX, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (FL)

I have mailed out 2 request to the credit bureau informing them that the late payments that are reflecting on my credit report are inaccurate and its a credit error. I have not received any response so I am taking the next step necessary. This is affecting my credit and I am not able to purchase a home at this time
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Credit Management at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Ca XXXX Has been sending me collection notices in the amount of XXXX.The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company.This company does not have a contract with my signature.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AL)

On XX/XX/23 I opened a new checking account online and made an initial deposit of {$100.00}. The next day, I was unable to create an online profile to access this account. I contacted customer service and was told my account had been closed due to " fraud activity ''. They were unable to tell me what this activity was, only that their " Enterprise Fraud Department '' had determined my account was fraudulent and it was closed. I was transferred to multiple people who all told me the same thing and no one could help me. I was eventually transferred to an employee only number somehow and they told me to go to a local branch and it will be fixed there. I went to my local branch on XX/XX/23 and XX/XX/23 and spoke with a representative there. I provided 2 forms of ID and 3 forms proving my current residence. This person at the local branch had no ability o help me either and she talked to multiple people on the phone with no answers. I visited this branch and spoke with this person multiple times. She said she would call me back with a resolution and never did. Also, every person I have spoken with has told me there is no money in my account and acts like I am lying about making a deposit. I have received a debit card in the mail which I can not activate. I also received an account statement dated XX/XX/23 that shows a deposit of {$100.00} was made on XX/XX/23 and my current balance is {$100.00}. One of the notices I received about my account being closed stated I would receive any funds in the account via check within 10 business days of account closing. That has not occurred. It is now XX/XX/23, 3 weeks since my account was closed with zero help from anyone at Truist or resolution of any kind.
Consumer complaint received 2023-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (HI)

I have an old Cash app account and my friend sent me money to that account. I can't open that account anymore because the phone number I used fro log in is no longer in service. I chatted, emailed and called the their customer support but everyone has the same script and didn't resolved the issue. I asked helped from XXXX XXXX XXXX last XXXX XXXX and the Cash app agent replied through email and took us 4 days back and forth but still the same script, issue not resolved. I want my money back! I felt robbed by this company. How come they can not transfer my money from my old to new account? If these agents can not resolve this problem, how come the owner, CEOs and programmers of this app can not step up and resolve the issue? This is theft! My money is on limbo and there is no way I can get it according to their numerous agents I talked to. Please help me, I felt scammed by this company. The attachment is the final response of all the agents I talked to ( chat, call, email ) the same script! So who can approve and override the transfer if these agents can't? So I will just stop and leave my money in limbo? This caused me so much stress already. I am not rich unlike these people. Every $ helps me survive in this expensive State.
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received my credit report and there I noticed a lot of information that is not right. With the intention of improving my credit I sent out letters to verify the said information. I am not sure if they are reporting accurate, therefore I want them to send me a response.
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern. In accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer in fact has the right to demand compliance within 15 days for the results of a investigation via written notice.
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

The Mortgage provide Shellpoint is illegally/ intentionally bankrupting consumer I bought an investment property in Michigan , and I was informed that there was a XXXX XXXX on the property due to my tenants ' misbehave. I have retained an attorney immediately and informed the bank the XXXX XXXX is being removed ( please see attachment ) Then the bank has charged me many months of " litigation fee '' in sum of {$6800.00} without explanation. They continue to post " litigation fee '' on my account even after the XXXX XXXX was removed. Now I am forced to sell the property because I can not afford to make payments. The house has been under contracted and the TITLE SEARCH came back clean, yet the bank continues to charge me " litigation fee '' not to mention that my own attorney has taken care this matter months ago.

I am attaching the Release letter, clean title search, contract of sale of the property. Theres were another 2 houses involved in the incident, the other parties bank did not even charge a penny for such event, given the fact that the owners are also the victims of the incident and have retained attorney at their own cost.

Please have shellpoint explain 1 ) the break down of the litigation fee 2 ) what was done on the bank end to solve this matter 3 ) i am attaching everything my attorney has done, and the release letter he resolved 4 ) why do Shellpoint continue to charge " litigation fee '' even after the title is clear?
Consumer complaint received 2023-02-15
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. (CA)

THE XXXX ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT DOES NOT BELONG TO ME. I NEVER REQUESTED THIS ACCOUNT TO BE OPENED. SOMEONE STOLE MY INFORMATION AND OPENED THIS FRAUDULENT ACCOUNT.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Simply opinion based on hundreds of unresolved reports over decades. The entire system is a sham. I have not had ONE, GOT THAT ONE COMPLAINT EVER RESOLVED IN OUR FAVOR. The fact that one is judged by their works confirms the opinion is correct. Furthermore your organization a key component of this opinion because you are exactly the same and by nature of what you actually do, just collect information, you are all in the end exploiters of people.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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 2022-12-06
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)

overviewing my credit report ive noticed Alot of Information on my credit report that needs to be cleared. all incorrect information is hindering my credit report. I am disputing the accuracy of my file to correct my credit report 100 % with Experian.
Consumer complaint received 2023-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

Yes I have been trying to dispute discount over two months now and this is really becoming a problem The account was open due to fraud I never opened this account oh every time I dispute this with the credit bureaus they keep verifying it as accurate the only reason they keep verifying it is accurate because of an address or the address where they are verifying is accurate is a Fraudulent address so i dont know what to do I sent him proof that I dont live at that address I sent my ID my bank statements everything and they still verified it as accurate I fell police reports And under 15 U.S. Code 1681i - Procedure in case of disputed accuracy they have to do a full thorough investigation that means everything and they havent did it
Consumer complaint received 2023-02-15
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. (NY)

I am filing this complaint myself. no one else is helping me this complaint is made by XXXX XXXX the actual human person. I noticed some accounts on my credit report that i never signed up for and so i need the identity theft removed.