davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (IL)

Contacted US Bank on XX/XX/XXXX regarding a letter I received informing me of terms of agreement for a US bank Go Visa signature card - a card I had never applied for. When I finally contacted someone named XXXX from US banks supposed fraud department, they confirmed a credit card application had been submitted in my name. They refused to give me any information regarding the application and repeatedly asked for my personal information, ie SSN, etc. I filed a fraud report. The told me the case # XXXX would be submitted and that I would receive a copy of the card application witching 7-14 days. Subsequently, I did receive a credit card from US bank in the mail on XX/XX/XXXX. On XX/XX/XXXX - I received a notice from US Bank from someone first name only given XXXX indicating the account had been closed, but included was a form requiring me to send a notarized letter including my personal information : SSR, and drivers license # - to US Bank - In order to receive a copy of the application and signature on this false credit card application. This is an example of a credit card company opening an account illegally in my name and interfering with my attempts to protect my identity.
Consumer complaint received 2023-11-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CARD Corporation (TX)

Card.com Block my account with out telling me i call them few months ago they so call say wrong date of birth that cant not be true i offer to mail my ssn number and ID then they told me it would take up to XXXX hours after i callback still no help my prepaid card is block for no reason and they about the fees also because they are charging me {$9.00} ever month and my card it block i cant use it i also verify ssn number and ID i ask just close my account and send my balance in mail they said no
Consumer complaint received 2021-12-13
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. (GA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-12-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

On XX/XX/XXXX, NewRez LLC DBA Shellpoint Mortgage Servicing indicated a payment was made from escrow to pay my School Real Estate Tax at the discounted rate {$3900.00}. This payment was reflected on the monthly mortgage statement that I received. 
In XX/XX/XXXX, while I was in the process of streamlining my VA Home Mortgage, I received a letter from the tax collection agency indicating that my XXXX school real estate taxes had not been paid and would be considered delinquent as of XX/XX/XXXX. The tax due was now at the penalty rate of {$4300.00}. I called the tax collection agency and provided them the date, payment amount and name of the mortgage company. However, they were unable to locate the payment and insisted the mortgage company needed to provide payment details. After numerous calls, Shellpoint provided me with a Batch ID #. The tax collection agency was still unable to locate any payment and asked me to have the mortgage company call them directly. I made numerous calls to Shellpoint for them to contact the tax bureau and get the issue corrected. 
I completed my streamline and my Shellpoint mortgage was satisfied. I received a check from Shellpoint dated 4/19/21 for the {$3900.00}. I contacted the tax bureau and they confirmed my taxes were still unpaid. I contacted Shellpoint to question the check I had received. Shellpoint indicated that they had just received a refund on my account for that amount. I explained that the real estate taxes were still unpaid and they needed to pay the full amount due to the tax bureau. I have never cashed the check sent to me by Shellpoint and it is now stale dated. The tax bureau still indicated that my taxes were unpaid and I contacted my attorney. The attorney mailed a letter on XX/XX/XXXX. My attorney has never received any response to the letter. 
Today, XX/XX/XXXX, I have received another delinquent tax notice indicating that {$4700.00} must be paid in full or further actions will be taken beginning with a Notice of Sale in XX/XX/XXXX and ending with the Sale of my home at XXXX on XX/XX/XXXX.
Consumer complaint received 2021-12-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I request to see results soon considering that this complaint has been filed before and you have failed to comply with the time that federal law provides, or I would have to take other legal action towards you to see results
Consumer complaint received 2021-12-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

I, XXXX XXXX, entered a consumer credit transaction with XXXX on XX/XX/XXXX. XXXX has failed to disclose the right of rescission which is a violation pursuant to 15 usc 1635. Because they willfully and knowingly withheld this information XXXX is criminally and civilly liable and owe me twice the finance charge pursuant to 15 usc 1611 and 15 usc 1611. Pursuant to 15 usc 1605 is finance charge which is the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance they made me purchase my own. XXXX has threatened to reposes my vehicle which is a violation of 15 usc 1692e ( 4 ) due to non payment and they have never validated the debt pursuant to 15 usc 1692g. I did send a debt validation letter to them on XX/XX/XXXX. Also on this day I mailed a cease and desist letter 15 usc 1692c, also I mailed and had notarized an affidavit of truth which was unrebutted. I still have been receiving calls and emails stating this is an attempt to collect a debt which is a violation pursuant to 15 usc 1692b ( 2 ) and 15 usc 1692c. Other ways XXXX has violated me are by harming my reputation by reporting negatively to the credit bureaus pursuant to 15 usc 1692d ( 1 ), by providing me with false and misleading information by showing balances in a positive amount 15 usc 1692e, by using symbols on envelopes mailed to me 15 usc 1692f ( 8 ), and in the contents of the envelope 15 usc 1692b ( 5 ), threatened and used obscene language 15 usc 1692d ( 2 ), and threatened to action that they can not legally take 15 usc 1692e ( 5 ). Pursuant to 15 usc 1692k I mailed an invoice for every violation on XX/XX/XXXX. I allowed XXXX days to respond and pay and they did not. On XX/XX/XXXX I mailed out a default and opportunity to cure, a new invoice with new charges and gave them XXXX  days to either settle or send me payment amount listed on the invoice or I will seek litigation for non payment of violations. XXXX stated they are not a debt collector. Pursuant to 15 usc 1692a ( 6 ) the term debt collector means any person who uses the mails in any business for the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.
Consumer complaint received 2021-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (WY)

My name is XXXX XXXX wife to my late husband XXXX XXXX. I am writing this letter in hopes to have the CFPB investigate Shellpoint and the negligence on my home loan. I have been trying to seek Loan Assumption/ Loan Modification with Shellpoint but they have not tried to help. 

Most recent on XX/XX/2021 I submitted to Shellpoint my late husbands death certificate, marriage certificate and Admin docs from the court appointing me tot he property. 

With only my husbands name on the loan I have request for a loan assumptions but as I mentioned above I submitted on Wednesday XX/XX/2021 and they declined me on Tuesday XX/XX/2021 of the following week. 

I don't feel Shellpoint properly reviewed my case, there letter stated not enough income but as you see in the attached forms I have plenty of income to support this loan. I am not requesting a lowered payment All I'm asking is for Shellpoint to place the past due to the end of the loan and allow me to place my name on the loan since my husband past away. 

With Shellpoints quick denial this tells me they never even considered or properly reviewed me. I asked them for a break down on their calculations but they refused. Please help me. 

With my husband XXXX XXXX passing away it became hard to maintain with the payments with no income. My income is now back on track and need help with a loan modification/ Loan Assumption. I need help to get the mortgage current so I can continue with the payments and hopefully refinance out of this loan once I become current.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX & XXXX Balance {$260.00} XXXX  XXXX Balance {$45.00} Inquiries : XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX 2021
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NY)

I was a victim of fraud from the XXXX data leak and am very worried about my identity being stolen again. I opted out of having my data sold to lenders on XXXX  but keep getting offers in the mail. I then learned I had selected opt-in not opt-out. I have very poor XXXX  and only have a XXXX XXXX and could barely see what was on the screen. It was very difficult to fill out the form with it being so tiny and hard to use. This is the only way you can stop offers and it should be easier to use. Not everyone has a desktop. Its discriminatory please fix
Consumer complaint received 2021-12-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MI)

After reviewing my credit file I noticed a derogatory account from credit collection services. Credit collection services never spoke to me in person before reporting this alleged info. They also never sent a debt validation notice.they never gave me information on how to dispute the debt. They also NEVER included a tear off form for me to send back to dispute the debt or take other actions. They also never sent me any information about my debt collection rights before reporting this alleged information. Pursuant to 15 usc 1611 Credit collection services is criminally liable. They are also liable for each FDCPA violation pursuant to 15 usc 1692k.
Consumer complaint received 2021-11-08
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. (FL)

I have many times disputed two accounts and requested proof of debt. 

I have requested proof of debt from EQUIFAX and from creditors and neither can supply anything. 

EQUIFAX only send letters of confirmation. 

The disputed accounts are : XXXX XXXX and XXXX.
Consumer complaint received 2021-12-13
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. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day ( over 60 days later ), I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you've caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-12-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (TN)

I have tried numerous of times to get my payments lowered due to being unable to pay almost {$500.00} a month and Sallie Mae refuses and still tells me I dont have any repayment options. I have explained my financial situation over and over and hav now been forced to be late or make payment installments on other bills to make sure Sallie Mae is paid on time since they are so quick to report to the credit bureau. I have reached out to legal representation and still Sallie Mae has done NOTHING. I think it is very sad and upsetting they know how much the cost of living is etc yet still expect almost {$500.00} a month. All I need is my payments lowered, I do not have problem paying them back just simply need my payments lowered!
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have a unverified unknown account from MEDICAL DATA SYSTEMS INC XXXX XXXX ( FRAUD ) Collection Third-Party CollectionAgency unable to validate debt. HIPPA LAW VIOLATION # XXXX, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party MEDICAL DATA SYSTEMS INC. I am aware that HIPPA does allow for limited information about me but anything more than to only is revealed with the patients ' authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPAauthorization. 1. Please provide a breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you.
Consumer complaint received 2021-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

ON MY XXXX CREDIT REPORT PORTFOLIO RECOVERY ASSOCIATES ( account # XXXX ) IS REPORTING A " PAST DUE AMOUNT '' THAT IS A CLEAR FCRA VIOLATION ALSO UNDER " PAYMENT STATUS '' THE NOTES ARE STATING " SERIOUSLY PAST DUE '' ANOTHER CLEAR FCRA VIOLATION ALSO UNDER " BALANCE UPDATED '' PORTFOLIO IS REPORTING A RECENT DATE OF XX/XX/2021 A CLEAR RE-AGING VIOLATION
Consumer complaint received 2021-12-02
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. (PA)

Today i called experian in regards to a dispute that was open since XXXX. A dispute usually takes 30 days however it was over the 30 days and the items that were disputed are still on my report. Once the dispute was over the itmes were still on there & Even after talking to several representatives about this issue they have yet to remove one rep hung up on my when i requested how these items were being verified they failed to tell me and said " they aren't able to disclose '' but how are you verifying this information is accurate on my report. They are violating my rights as a consumer 15 usc code 16811i
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

They keep asking for the same documents already provided and waffling between complete and incomplete borrower response package in what feels like an deliberate effort to avoid regulatory deadlines. 
I have been making payments since XXXX 2021 and working to get a answer to the end of a pandemic forbearance.
Consumer complaint received 2021-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (IN)

I have sent out a validation of debt letter weeks back. However, I did not get a response- I sent another letter out and got a response, however ; instead of sending me what I asked for they are calling me. They've called me 3 times while I have been at work at very inconvenient times. XX/XX/21 I sent an Affidavit of Truth along with exhibits and other documents. I found multiple violations that I marked and labeled that were sent to them. 
15 USC 1692b ( 5 ) 15 USC 1692e ( 2 ) ( A ) 15USC 1692d ( 1 ) 15 USC 1692e ( 11 ) 15 USC 1692j ( a ) 15 USC 1692c ( 1 ) 15 USC 1692c ( 3 ) 15 USC 1692d ( 5 ) 15 USC 1692g I have continued to make payments on time because I do not want it to affect my credit
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

On XXXX XXXX, 2021 a collection account has been wrongfully placed on my credit report. Currently, XXXX XXXX XXXX collection is reporting to my credit report on Equifax with a balance of {$2300.00}. XXXX XXXX XXXX is currently violating my rights as a consumer. I was not provided a violation of debt letter. And according to Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ), and 809 ( 15 USC 1692f ), Validation of debts includes ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such. I contacted experian and they stated that there was nothing that I could do.
Consumer complaint received 2021-12-02
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Recovery Management (TN)

I sent a certified ceist and desist letter to Fox collection company in XX/XX/2020. I have received three phone calls from them demanding to collect a debt that I have no recollection of.I have never engage in any business with this company nor have I signed any contracts to do so. I've also sent several certified letters requesting debt validation within 30 days. They have failed to validate the debt and continue to contact me after the ceist and desist request. They also continue to report fraudulent, obsolete account information to the credit bureaus which is damaging my credit. Fox collection company knowingly continues to violate the FCRA and I have documentation from year XXXX to prove this.
Consumer complaint received 2021-12-02
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. (MD)

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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX