davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-20
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. (MO)

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

When i called the credit bureau ask can i have a copy of my credit File ( not my report ). I was told it would be sent to me and i never receive it. This was over 30 days ago. I would like to know why i havent received it. If this suppose to be my credit FILE why I cant have a copy of my FILE. This goes against my consumer right.
Consumer complaint received 2022-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (AR)

My husband and I successfully sold our home and the mortgage was fully funded to Planet Home Lending on XX/XX/2022. We paid our mortgage every 2 weeks with an additional $ 500/month on the principal for several years. We were never late. When the house sold, the the proceeds were transferred into our account. Since that time, Planet Home XXXX has continued to debit our account {$940.00} on XX/XX/2022. I called them to have them stop as well as to return the monies that are owed as well as escrow funds. They ensured that we would not be charged again, yet we received another bill today for {$1800.00} for XXXX mortgage for a home that we no longer own.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

I have an active complaint against Midland about the way they have reported an account ( complaint XXXX ). Since I filed this complaint they have repeatedly flagged my account to the reporting agencies as a collection- as if it is a new collection and it is coming up as a negative alert with all agencies. I will attach what alerts I have gotten from XXXX as an example. Please note it is not an alert that they have noted my dispute, added wording etc just that they keep reporting a collection. Prior to the issue I lodged the complaint about, they did not do this AT ALL. I believe they are retaliating against me for filing a complaint with CFPB as a form of intimidation to get me to pay on a debt I do not believe to be mine and have request proof through your agency
Consumer complaint received 2022-02-19
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. (IL)

In XX/XX/XXXX I reached out to Equifax about incorrect /disputed info on my report regarding the dollar amount of my student loans and received this Confirmation number XXXX I sent and expressed /conveyed that the following a ) XXXX in Private student loans made by XXXX were discharged in XXXX and those papers were previously sent to you b ) XXXX in undergraduate loans had previously been paid prior to XXXX however they were included on that XXXX consolidation which is the year you show as the loans being open and reported to. 

I find it implausible and beyond comprehension that you have completed your investigation regarding the validity of the actual dollar amount on my student loans being reported from XXXX and reflective of XXXX As XXXX my student loan servicer and previous Student loan services along with the Department of Education have not fully. completed their investigation. 

Please note that I sent you and all parties a summary synopsis of canceled checks from XXXX and a prior tax return which show student loans having been paid for tax year XXXX which indicated {$2000.00} in payments. I used XXXX as a base year of payments and suggested that it be applied to years XXXX ( some not all my Cashed Student loan checks from those years were sent you ) That is about seven years @ XXXX which equates $ XXXX x XXXX for a total $ XXXX have been previously paid prior to XXXX. 

You also received the information that I sent to the loan servicers along with their investigation emails referencing my dispute and claims numbers from XXXX and the Department of Education. 

All you had to do was reference / review those reference numbers and review my supporting documents I had sent. 


So, you could fully conduct your investigation ( your initial correspondence said you would be reaching out to the loan servicers who were responsible for reporting that information to you ) So once again please explain how you have completed your investigation and found no change to my loan balance when all the other parties who are involved and report said information to you have not completed their investigation? 


It is PREPOSTEROUS, dare I say LUDACRIS and downright DISINGENUOUS that you have completed your investigations Once again I would like to know how you decided there was no material change in the amount after I had provided supporting documentation of approximately $ XXXX in payments previously paid prior to XXXX and XXXX discharged in XXXX. 

I do find it extremely interesting that when you conduct an investigation all you do is send a letter showing ones current credit obligations but you. DON'T provide any supporting documentation to substantiate or support your findings.
Consumer complaint received 2022-02-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (MN)

- I had a checking account and savings account from XXXX  Bank. Sometime in XXXX, XXXX  announced that it will no longer serve me and that my accounts will be transferred to Citizens Bank. I did not want to have an account with Citizens Banks, so I called XXXX and let them know. The XXXX representative responding my call ensured that my accounts will not be transferred, as long as I close those accounts before the transfer in XX/XX/XXXX. 
- I closed both my checking and savings account with XXXX on XX/XX/XXXX, and double-checked with the XXXX representative whether my accounts are closed for sure, and whether I should worry about my account information being transferred to Citizens Bank . The representative ensured that my accounts are closed, and that the account transfers to Citizens bank will not happen. Yet, I received a credit card and a debit card from Citizens bank by mail in XX/XX/XXXX. I called multiple times to XXXX in XX/XX/XXXX to complain : the XXXX representative still insisted that, because my accounts are closed, Citizens can not open my account, and that I should contact Citizens bank because my problem is with Citizens bank. I protested that it is XXXX 's fault because XXXX sent my information without my consent, but all XXXX representatives I talked to repeated a similar line of answers and refused to issue any written confirmation of what they were saying to me over the phone. I now seek what I can do against this unauthorized transfer of my account information and the opening of accounts. 
- When I closed my checking and savings account with XXXX on XX/XX/XXXX, I attempted to close my credit card account with XXXX. The representative said the credit card account will not be a part of the transition to Citizens Bank, so I told the representative I will keep the credit card. Now, because I was unhappy with what XXXX and Citizens were doing with my personal information, I decided to close my credit card account with XXXX. When I called XXXX on XX/XX/XXXX, to close the credit card account, the XXXX representative said, unlike what the XXXX rep told me on XXXX call, my credit card was to be transferred to Citizens Bank from the beginning, and now XXXX can not close my credit card account because it is now transferred to Citizens. I demanded that XXXX check their record of my call with the representative on XX/XX/XXXX, the representative answering my call on XX/XX/XXXX, stated she does not have the authority to check the recording nor has the phone number to call to check. 
- I have made recordings with XXXX customer representatives, which can be provided upon request ( did not attach due to size )
Consumer complaint received 2022-02-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

XXXX XXXX collection agency for XXXX XXXX erroneously placed a collection account of {$510.00} for XXXX XXXXXXXX Account XXXX on my 3 credit reports ( XXXX, XXXX, and Equifax ) as per XXXX XXXX letter dated XX/XX/XXXX. 

Conversely, on XX/XX/XXXX XXXX sent me notification stating that final balance of {$510.00} for XXXX  XXXX Account XXXX have been TRANSFERRED to my current XXXX account. {$510.00} foXXXX XXXX  XXXX Account XXXX is on my current XXXX  XXXX account. 

This XXXX XXXX collection agency account must therefore be REMOVED from my 3 credit reports ( XXXX, XXXX, and Equifax ).
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX / XXXX / {$0.00} XXXX  XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-20
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Advance America, Cash Advance Centers, Inc. (FL)

Got about twenty calls over a two day period from an unmarked number. No messages left. on fourth day My wife received a call then my sisters ( two ) both have received numerous calls from unkown number. All three were left messages by a person named XXXX XXXX inquiring about me and a payday loan with advance america. I called the number he provided and asked him to please stop calling anyone other than myself regarding this matter. I told him I generally never pick up unknown numbers. I aksed for details, regarding the debt he stated I owed in writing. It has been over a week and my wife and sister have repeatdy been getting multiplecalls every day for the last week. With an aditinal XXXX from the caller. 
This is harrasing behavior and he is speaking to other parties ( in voicemails ) regarding this matter. He would have to have searhced for the additional information online as both my sister do not have public phone numbers.
Consumer complaint received 2022-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

I am awaiting a response regarding my mortgage interest payment reported to IRS for tax year XXXX and additional information regarding interest from Shellpoint Mortgage Servicing, A Division of NewRez, LLC on behalf of note owner XXXX XXXX XXXX XXXX as of today, XX/XX/XXXX. I received two written letters dated XX/XX/XXXX, See Exhibit # XXXX and XX/XX/XXXX, See Exhibit # XXXX, from Shellpoint Mortgage Servicing, A Division of NewRez LLC of XXXX SC, on behalf of note owner XXXX XXXX XXXX XXXX. These two letters contradict a different set of two letters dated XX/XX/XXXX and XX/XX/XXXX from Shellpoint Mortgage Service, A Division of NewRez LLC of XXXX, MI on behalf of XXXX XXXX XXXX XXXX, the noteholder, with both letters stating, " we are working to gather the requested information and will forward it to you as soon as possible. '' Therefore, this is XXXX and I am demanding the answers to the following questions in regard to Loan # XXXX for property XXXX XXXX XXXX, XXXX MD XXXX : 1. What is the date that Shellpoint Mortgage Servicing sent the original IRS Form 1098 for XXXX to IRS? 

2. What is the date that Shellpoint Mortgage Servicing sent the corrected IRS Form 1098 for XXXX to IRS? 

3. What is the date that Shellpoint Mortgage Servicing sent the original IRS Form 1099-INT for XXXX  to IRS? 

4. Where is the Escrow Analysis for the period XX/XX/XXXX to XX/XX/XXXX with all consecutive months showing? 

5. Where are the copies of the IRS Form 4506, IRS Form 4506-T that Shellpoint Mortgage Servicing has on record for me with NewRez, LLC as the third-party requestor? 

XXXX. Where are the copies of the IRS Form 4506, IRS Form 4506-T that Shellpoint Mortgage Servicing has on record for me with Shellpoint Mortgage Servicing as the third-party requestor? 

7. What is the name of the contact person at Shellpoint Mortgage Servicing and NewRez, LLC for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 

XXXX. What is the name of the contact person at XXXX XXXX XXXX XXXX, the note owner of my mortgage loan for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 

XXXX. Where are the copies of any documents with Shellpoint Mortgage Servicing and NewRez, LLC that I signed giving them the authorization or written consent to release my NPI ( Non-Public Information ), as defined by GLBA, Gramm Lilley Beach Act, to third parties?
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had Capital One credit cards for the past XXXX years always paying on time was very on top of my credit and had very good relationship with the company I had by mistakenly made a wrong payment which turned back last month and the next thing I know is that they closed all my XXXX personal accounts including a new opened business account without any explanation or warning before I tried to solve it with the company but when I call them I was hanging on the phone one time even more than an hour they had mixed information they gave me my wife 's name on my personal account couldn't match my account to my card numbers seems like they do just throw me out from the system for no reason very scared to say that this is a decision based on race because I'm XXXX and I told them in my phone call that I'm XXXX and try to be honest, i was send from one department to another some of them were even screaming at me or not acting nice dhy didn't give me a chance to reconsider this situation I'm very unhappy and feeling all this is very unfair if we have business together and they don't share with me anything, please make sure that they didn't go over any red line that's not allowed and my rights as a customer
Consumer complaint received 2022-02-19
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. (GA)

Attachment from XXXX first page paragraph eight states, " Your last payment prior to the loss of {$600.00} was received by XXXX on XX/XX/XXXX '' You show payment thru years XXXX when you list in XX/XX/XXXX of a 90 late payment. 

Who made these payments? 

The vehicle was total XX/XX/XXXX! 
Insurance check posted XX/XX/XXXX See attachments from the creditor XXXX See attachment for evidence
Consumer complaint received 2022-02-19
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (CA)

My problem is with PayPal. I received a refund from a vendor on XX/XX/2021 that should have gone back to the purchasing credit card ( XXXX ) but that instead PayPal is holding XXXX in the form of " Money is Waiting for You ''. PayPal will not transfer amt to XXXX card as a refund claiming that vendor method of processing refund is to blame, so I asked for a refund by check as best and most private alternative - I do not want to give PayPal any additional personal or bank information to obtain refund. PayPal indicates that this is possible, but in practice it has been impossible to implement over many months of attempts. On website, I'm directed to click " XXXX XXXX XXXX ''. Options then include : Transfer it to your bank '' or " XXXX XXXX XXXX XXXX '' or " get a check by mail instead ''. Selecting " get a check '' links to window where user is asked to select either Transfer " in minutes '' for a fee or in XXXX days for no fee. Either choice takes user to to next step which requires user to link a bank account, which is precisely what I don't want to do. XXXX is to set up PayPal cash XXXX, which requires providing XXXX etc. How can this be legal?
Consumer complaint received 2022-02-19
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. (CA)

i have XXXX different inquiries i don't use or recogonize. i have my name in a dark web, which they informed me of, but they still won't remove theses inquiries out of my file. THese inclue, XXXX XXXX  XXXX, XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX  XXXX XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX. XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX the fcra says any bon authorized. non-verfied item must be removed. the bureas say some garbage about a permissable purpose, these inquiries have no permissable purpose for me. thank you
Consumer complaint received 2022-02-19
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. (LA)

I have been working on getting my credit corrected and every time you call they tell you something different I can never understand what they are saying you send all the police report and documents they ask for on dispute something and when you ask about it they tell u they dont have it I had several reps hung up on the phone call and continue to put me on hold no one should be able to do this that has control of important information you tell them you speak English and nobody you talk to speak clear English it is so stressful doing all you can and the credit reporting company allows this with Covid-19 taking over it has been hard on the world and it needs to stop this company needs to be investigated on how the credit reporting is being done
Consumer complaint received 2022-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I sent a debt validation letter to TRANSWORLD systems on XX/XX/2022 and they received it on XX/XX/2022 via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. I do not owe this debt. This company has failed to validate this debt by not responding at all. Please delete this collection account.
Consumer complaint received 2022-02-19
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: Synovus Bank (NJ)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX Balance : {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-02-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Accounts, LLC (KS)

Capital Accounts call and portray to be a law firm and have matters in their office for me. they have also called two family members and left voicemail about a a debt for my self. I have dispute this item on several occasions with the credit bureau, I have sent written letters to have this taken off my credit asking to provide validation of this debt there are trying to collect but will not provide mw with the information. They harass me regarding an account that they will not provide me information on.