davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

I contacted Shellpoint Mortgage Servicing regarding an FHA modification and was told that the only way for the loan on my house to be modified is to assume the loan since I was only on the deed and my ex-husband is now only on the mortgage. They already had the XXXX claim deed but still would not allow me to assume it without his signature allowing me to assume it. He has been non-compliant and they have been aware of this from the beginning of this process, which started in XX/XX/XXXX. 
Even though I was approved by FHA for the modification, pending on-time trial payments, they ( Shellpoint Mortgage Servicing ) would not accept the modification without the assumption paperwork. 
They sent incorrect assumption paperwork stating that my ex was deceased and never sent correcXXXX paperwork. They finally sent the correct assumption paperwork late XX/XX/XXXX but never gave me a deadline for when they needed it back. They knew that I XXXX need to file a contempt of court from my divorce case in order for him to sign it. My representative informed me that she would let me know when the absolute last day was to have it back to them but she never replied. All of a sudden I received a notice that the offer to modify the loan was rescinded and a foreclosure sale has been scheduled. The mortgage servicer is not responding to my written requests for further information or explanations.
Consumer complaint received 2023-02-19
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: Experian Information Solutions Inc. (LA)

XXXX {$15000.00} ; I did a voluntary surrender in XX/XX/2022 and they waited 3 months to pick up the vehicle and started submitting my account as late payments XXXX. {$750.00} ; the original amount of the purchase was {$490.00}. They lied about the open account date ; this account is due to come off my credit report They have never upgraded the payoff my home which was paid off in XX/XX/2022 which was {$75000.00}. My credit score never increased after this payoff Remove the Hard Inquiries which I did not give written consent
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

TRANSUNION, CREDIT REPORTING AGENCY, ARE BREAKING THE LAW AND ARE COMMITTING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 168la ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

TRANSUNION is also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. Per 15 USC 168c ( a ) Bankruptcy information is Excluded from the consumer 's report. 

TRANSUNION, CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (OH)

I sent my billing error notice months ago in XXXX via certified mail. I have not received any notification regarding investigation into this matter. There was no notice to any of the credit bureaus regarding this matter. The company never contacted me via mail regarding this matter and today XX/XX/23 no updates. 

Certified mail # XXXX XXXX XXXX XXXX XXXX or Certified mail XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have 4 accounts with Capital One. I opened a 360 Performance Savings account early this morning ( Sunday, XX/XX/XXXX ). I had linked my XXXX account in the past. I used that to transfer the {$5000.00}. I also transferred another {$3000.00} from my Capital One checking account. Upon completion there was {$3000.00} available in my savings account. Which made sense since the {$5000.00} was from an external account and would take a day or 2 to clear. I log in later this morning and all my Capital One accounts have a message stating Your funds are currently unavailable for withdrawal. Please call us at XXXX ( XXXX ) XXXX. I call the number and Im informed the office that would lift the restriction is closed until Tuesday. How is that acceptable? They have frozen my accounts and cant explain why. An account I share with my mom has also been frozen. 

Capital One 360 is digital which baffles me that they dont have a solution to this. I should have been informed moving a certain amount of money will freeze my account. Definitely not freezing all my accounts. There has got to be some law against this!!
Consumer complaint received 2024-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-02-20
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XX/XX/XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below XXXX XXXX XXXX  XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$32000.00}
Consumer complaint received 2023-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

Hi good afternoon I ' ve been trying to reach out to someone for bout two weeks now my phone has been damaged an my account for the cash app has gotten messed up. its been two accounts that has been involved with XXXX. the first name on the account was XXXX XXXX XXXX XXXX XXXX sent me the XXXX amount on my account card beginning in XXXX cvv XXXX an i sent in of thev same card XXXX to make it add up XXXX the cash out button obviously didn't work so I couldn't cash out an my phone felled in the washer an now my money is stuck on cash app an the second on the account is XXXX same account buit email XXXX BUT NO ANSWER AN I DONT HAVE A PHONE BUT WHEN I CALL FROM OTHERS NO CALL BACK
Consumer complaint received 2019-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

My account was not working normally so I contacted them. I received an email on XX/XX/XXXX from support after contacting them for help. They told me my account was closed and are not replying to my questions. I have not done anything out of the ordinary in the past few months.
Consumer complaint received 2023-02-22
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. (FL)

On the XXXX of XXXX I wrote to Experian via mail detailing to them my unfortunate event. I have not heard back from the company and have not received any updates to my account pertaining to the removal of the fraudulent information. I have included with this complaint my letter sent to Experian letting them know I had been defrauded, along with the FTC report, an identity theft report and my personal identification needed to identify me. I would just like this thing over and done with and my credit rectified as soon as possible. This circumstance is inconvenient and a lot! I also left in the letters provided to Experian my id card because I had no other way of proving my residence because I have no bills. My social security copy is also included in the attachment section along with my FTC identity theft report, FTC fraud report number as well as any other information I could provide. I would like this account blocked and deleted.
Consumer complaint received 2023-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prime Recovery LLC (LA)

On XX/XX/2023 at XXXX, I received the following text message from the number ( XXXX ) XXXX, to my number at ( XXXX ) XXXX : Can we help get this resolved? Chat NOW at www.primerecoveryllc.com or login XXXX XXXX XXXX This is an Attempt to Collect a Debt Reply STOP to end This seems like a pretty clear scam. Even with the lack of any information, by using SMS I'm sure they've violated FDCPA and other telecommunications regulations.
Consumer complaint received 2023-02-18
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)

Ive disputed information on my credit report over 100 times over the last year and 2 months. I have provided a police on XX/XX/XXXX, XXXX ive provided several identity theft reports, and also have provided my credit report from other companies showing the inaccuracies present ob my credit report. 

XXXX XXXX XXXX  Account # : Balance : {$43000.00} ( Identity theft ) This is a personal loan I never agreed to and have no knowledge of it was deposited into a fraudulent account that XXXX XXXX  closed down. Also the company sold the debt to XXXX XXXX XXXX XXXX, even though they provided no evidence the account was mine. Ive requested evidence for 8 months. 

XXXX XXXXXXXX XXXX Account # : XXXX Balance : {$9200.00} This account was paid by my Gap insurance so amount of XXXX is incorrect. the true amount was XXXX. The incorrect amount has been showing on my credit report for 2 years now. even though the account was reported as income as XXXX XXXX XXXXXXXX via a 1099-C and paid through my personal taxes. its still being reported falsely on my credit report.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update the suspicious information in my file, I think you have not validated these accounts in my credit report Please verify these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
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. (AL)

Reporting creditor XXXX XXXX XXXX is a fraudulent account reporting on my Experian credit report. The original creditor shows as XXXX  XXXX XXXX, I have never lived at this address. The collection account was opened XXXX XXXX, I have no knowledge of this account and I contacted the original creditor and Experian credit bureau in numerous occasions yet they have failed to removed fraudulent activity from my account. I have filed a police report and have provided proof to both XXXX XXXX XXXX and Experian yet they neglect to fix an issue that has caused financial hardship.
Consumer complaint received 2023-02-22
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. (TX)

XX/XX/2022, i put forward my detailed allegations of iinaccuracies and deficiences of reporting. I communicated that Per the FCRA section 611 ( 15 U.S.C. 1681 ) and METRO2 compliance standards my file is to be accurate and complete. My consumer record continues to have inaccuracues and none of my complaints have been acknowledged by the consumer reporting agencies. Further violations. 

The following account : 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  ; 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (TX)

I had some fraudulent activity on my credit report back in XX/XX/2022. Due to my score decreasing Amex reduced my credit limit from $ XXXX to $ XXXX on my blue cash back card. They also reduced my spending limit on my Gold card. I have submitted all documents they have requested and they still have not done anything to reverse the credit limit. The credit limit decrease also brought my score down. I just got off the phone with them and told them to pull my credit report again but they did not want to review it again. My score is XXXX and I do not have anymore negative fraudulent accounts reporting. There is no reason why they should not reverse my credit limit to $ XXXX. I've always paid my credit cards on time and have always kept balances under 10 % I've always recommended Amex to everyone I know including my clients but right now I am very disappointed with them. 
Could you please investigate this issue for me please. I have attached a copy of my credit report
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-02-18
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)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX  XX/XX/2022.
Consumer complaint received 2023-02-18
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. (PA)

CONSUMER REQUEST FOR INFORMATION & NOTICE TO DELETE Consumer Gramm-Leach-Bliley Act Notice Sur-name : XXXX, Given name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX ZIP Exempt Non-domestic , without the UNITED STATES *NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT* Attention : XXXX PRESIDENT/ CEODate:XXXX  XXXX XXXX XXXX XXXX, Massachusetts XXXX United States Re : CONSUMER NOTICE OF GRAMM-LEACH-BLILEY ACT VIOLATION I Sur-name : XXXX, Given name : XXXX living man hereby puts XXXX  XXXX XXXX and its CEO on notice of my Consumer notice R.I.C.O. and GRAMM-LEACH-BLILEY ACT Violation. Consumer demands included Cease and Desist from said racketeering activity. 


Request for information I am hereby requesting the following information in regards to this account XXXX XXXX Account # XXXX Consumer is aware that any creditor or trustee with a fiduciary duty to XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other all caps corporate spelling of the Surety must have a copy of Social Security Administration Form 89 signed by the beneficiary ( name ) Form SSA-89 is ONLY GOOD FOR 90 DAYS. Please present form SSA-89 to consumer ( name ), living man and beneficiary of the Surety XXXX XXXX XXXX XXXX 

The federally protected consumer also understands NOTHING under the FCRA requires a financial institution to furnish negative information to a CRA Please be advised, a Trustee that is furnishing a collection to my consumer report is in violation of engaging in unlawful extortionate activities. Which the FTC defines as debt parking, and abusive, and unfair debt collection practices. 




Copy of state Department of commerce certificate Copy of Insurance certificate Proof that you are the licensed debt collector for this debt Validation of debt ( statements are not validation ) Proof of agreement Evidence you are the licensed debt collector Chain Of Title* Copy of First and last Gramm Leach Bliley Act SSA-89 Form SIGNED BY CONSUMER XXXX XXXX XXXX ( name ALL CAPS ) Copy of the 1099C cancellation of debt Date of first delinquency Copy of arbitration agreement Copy of the gramm leach bliley act disclosure A list of people you sent my information to An authenticated record of accounting/ledger from the date the account opened I am giving your company 14 days to provide all the following information above via mail in good faith. If your company refuses to mail me all the information I am requesting above ; please DELETE the account from my credit report. 

Thank you for your time. In good faith, XXXX : XXXX agent and Beneficial owner of XXXX XXXX XXXX XXXX Corporation.