davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have contacted your company CFPB countless of times for help with trans union, XXXX and XXXX reporting incorrect inaccurate information on my credit reports. I thought CFPB did the job of enforcing fair credit reporting. I could not understand why recently each bureau seems too have ignored my disputes. I noticed that CFPB has blocked my login attempts and denying a password reset. Which makes me wonder who the CFPB is truly working for. All the evidence I have been providing is obviously EXPOSING the truth and its being silenced by the CFPB. I noticed a couple of strange incidents behind a couple of my cases however I did not complain about that. CFPB isnt engaging in fair practices and this is why these companies arent following rules and laws and are engaging in lots of fraudulent credit reporting!
Consumer complaint received 2022-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

I requested a refund from EdFinicial and they told me it would take 150 days or around 5 months for the refund process to go through. This is unacceptable as other providers get refunds back within a month. They are taking advantage of people and trying to push refunds passed the date of the current pause. Please do something about this.
Consumer complaint received 2021-10-18
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. (TX)

I have disputed the information directly with XXXX XXXX XXXX and they have refused to correct the late payments. I have also requested removal of the account from my credit reports because the account is paid in full and closed.
Consumer complaint received 2021-10-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Receivables Management Partners, LLC (IN)

RMP, LLC is IMC. LLC they have been hounding me for years. They keep opening new Derogatory marks against my credit. They have 3 accounts that should be closed. I have contacted FCC as well on them like I was told to do 3 months ago and still on my credit and hurting it bad too. Please get them to remove their accounts. How can I protect myself from a company that changes their name and keeps hitting my credit and killing it?
Consumer complaint received 2021-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX XXXX XXXX XXXX ( XXXX XXXX ) on behalf of USAA SAVINGS BANK is violating my federally protected consumer rights and refuses to provide me with validation evidence pursuant to 15 USC 1692g that can validate their claim of me, XXXX XXXX, the natural person/Consumer owing them any " alleged debt. '' XXXX XXXX XXXX XXXX and USAA SAVINGS BANK failed to prove their claim that I owe any " alleged debt '' by not providing any " documentary evidence '' of a ledger, delegation of authority, contract, agreement, or anything to stand as legitimate proof that I, the natural person/Consumer owe any alleged debts tot their company. XXXX XXXX XXXX XXXX and USAA SAVINGS BANK is reporting of my credit creating an " adverse action '' pursuant to 15 USC 1682a ( k ) ( 1 ) and should and will be held criminally liable pursuant to 15 USC 1611 and civilly liable pursuant to 15 USC 1640. this information is damaging my reputation and damaging me both financially and mentally.
Consumer complaint received 2021-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (TX)

AMERICAN CORADIUS INTERNATIONAL LLC ( ACI LLC ) on behalf of XXXX XXXX XXXX  is violating my federally protected consumer rights and refuses to provide me with validation evidence pursuant to 15 USC 1692g that can validate their claim of me, XXXX XXXX, the natural person/Consumer owing them any " alleged debt. '' AMERICAN CORADIUS INTERNATIONAL LLC and XXXX XXXX XXXX  failed to prove their claim that I owe any " alleged debt '' by not providing any " documentary evidence '' of a ledger, delegation of authority, contract, agreement, or anything to stand as legitimate proof that I, the natural person/Consumer owe any alleged debts tot their company. AMERICAN CORADIUS INTERNATIONAL LLC and XXXX XXXX XXXX  is reporting of my credit creating an " adverse action '' pursuant to 15 USC 1682a ( k ) ( 1 ) and should and will be held criminally liable pursuant to 15 USC 1611 and civilly liable pursuant to 15 USC 1640. this information is damaging my reputation and damaging me both financially and mentally.
Consumer complaint received 2022-11-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act Captial One account ending in : # XXXX has violated my rights. 

Under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USCS 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 2019-06-02
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. (NC)

I filed a proper dispute on account ( XXXX from XXXX XXXX ) with Trans union. 
TransUnion received the dispute XX/XX/2019. I sent the reporting creditor ( XXXX XXXX ) a request for validation and they received it on XX/XX/2019. I didn't get a reply from XXXX and TransUnion didn't do a proper investigation or properly mark the account in dispute, which, is an FCRA and FACTA violation.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NJ)

I have an inquiries on my credit report for the following companies ( Amex - XX/XX/XXXXXXXX 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 However these companies have reported wrong information to the credit bureau without my authorization. I will like for these inquiries to be removed.
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I have been a with COMENITYCAPITAL/XXXX  customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2021-10-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

All bureaus listed on the FTC website remain and non-compliance status with several complaints previously filed. They repeatedly take longer than 30 days without a reasonable explanation and they are not carbon copying the consumer as required by law. When they do carbon copy the consumer they were openly refused to comply and violate the fcra repeatedly by playing this match the database and push Buttons game with people. You never volunteer information any information for my driver 's license is out of state so I don't want to hear the XXXX  XXXX. Would you like to see the storage receipt that my father had to pay last month?
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (LA)

XXXX XXXX  paid to delete. 
XXXX XXXX paid to delete Lvnv funding no response from company, sent debt validation letter no response XXXX XXXX paid to delete XXXX XXXX send debt validation letter no response from
Consumer complaint received 2024-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

XXXX identical accounts XXXX for {$1200.00} and XXXX for {$1.00}, XXXX account states XX/XX/year> and other XX/XX/year> almost to the day, also first delinquency 1 month in from date. I have looked at the company lvnv XXXX reports and there famous for using algorithm to change old contracts into enforceable contracts. 

Lvnv funding account # XXXX {$1200.00} # XXXX = {$1200.00} Please look at all start dates and delinquency dates. This looks like a poor attempt at going for money even if it's breaking the law.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I trust this letter finds you in good health. I am writing to bring to your attention my dissatisfaction with the outcome of my initial attempt to address and rectify fraudulent items on my credit report. Despite my best efforts in disputing these items, I find that they persist, and I am seeking your assistance in resolving this matter promptly. 

I recently discovered fraudulent items on my credit report, which I promptly reported through the designated dispute channels. To my disappointment, my initial attempt to address these fraudulent entries has not yielded the desired resolution. The presence of inaccurate information on my credit report has raised concerns about my financial standing and has the potential to impact my ability to secure credit and other financial services. 

I am writing this complaint to request a thorough and immediate reevaluation of the fraudulent items on my credit report. I believe it is crucial to address and rectify these inaccuracies promptly to ensure the integrity of my credit history. 

Enclosed with this letter, you will find copies of my initial dispute letter, supporting documentation, and any relevant correspondence for your reference. 

I kindly request your urgent attention to this matter and a comprehensive review of the evidence provided in my initial dispute. I expect a prompt resolution, and I insist on receiving written confirmation once the fraudulent items have been removed from my credit report. I am asking for your assistance to remove the following fraud items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC (TX)

Closed on the sale of my home in XX/XX/2023. This was a short sale negotiated by a third-party company, the XXXX XXXX XXXX The loan administrator, Shellpoint, was not open to negotiating a payoff amount that was sufficient to meet my requirements. 
As a compromise, the third-party negotiator made an agreement on my behalf with Shellpoint to endorse an insurance check for damage to the home ( check made out to me and Shellpoint ) and allow me to keep the funds. This was verbally negotiated via my realtor, the third-party negotiator, and me. 
After closing, as agreed previously, I mailed the unendorsed check to Shellpoint, with the understanding that they would endorse it and mail it back to me. When I called to check on the status after several weeks, they said it was on its way to me, and I should receive it in XXXX days. This was in XXXX. 
I never received the check. After numerous attempts to determine what had happened to the check, Shellpoint finally disclosed that they had deposited the check into their account without my endorsement, stating that it was an offset on the short sale and that they were keeping the money. 
I obtained a copy of the deposited check from my insurance company. It clearly states on the back of the check that it must be endorsed by all parties. Shellpoint had not obtained my endorsement and had, in fact, simply stamped the back and sent it through. 
Neither Shellpoint nor the XXXX XXXX will acknowledge that there was an agreement. In fact, the negotiator at XXXX XXXX, when questioned by his supervisor about the agreement, denied that he made such an arrangement. 
I have emails indicating his awareness and his willingness to reach out to Shellpoint when I told him what they had done. 
I don't know which avenue to pursue from here. My realtor, who was aware of and participated in the negotiation, has attempted to reach the supervisor at XXXX XXXX, who has not responded. 
I think that the bank that accepted the check without proper endorsement might have committed some violation. I am not sure about Shellpoint or XXXX XXXX, since it was a verbal agreement. As I previously stated, my realtor was a witness to the verbal agreement.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IN)

I deposited a paper paycheck through the Chime app on XX/XX/year> with a total of {$950.00}. That same day they only gave me {$200.00} of the total {$950.00} and are now insisting that I wait almost a whole other week to get the last {$750.00} of it on XX/XX/XXXX at XXXX. When I called they said they couldn't do anything about it because the check was already accepted and it was their system that decided how long the hold is. I get payed bi-weekly so adding in that extra week they insist on hold my paycheck I'll have had basically no money and the inability to pay my rent for two weeks.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (AL)

Resurgent is currently trying to collect a debt, and placed inaccurate information from an account that was opened by another family member in my house while I was suffering with XXXX. Resurgent would CONTINUOSLY call me at all hours of the day, including Sunday, text me, and email me which turned into harrassment. Which, according to the FCRA 15 USC 1692 d, this is illegal.This family member is now deceased and I can not pay this debt which is not mine. I've disputed this on the credit bureaus, but all they've done is update.
Consumer complaint received 2022-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to notify the CFPB about the inadequacy of BOA as lenders and their skirting of duties to pay our property tax on time. 

This Spring, we received a secured property tax from XXXX XXXX XXXX, specifically Escaped back taxes for XXXX XXXX ( {$3400.00} ). In XX/XX/2022, when we initially contacted BOA about this tax bill, we were told that this tax bill was BOA 's responsibility and it would be paid out of our escrow. Several weeks later we noticed that the tax bill was still not paid, and when we called to check on the status of the payment, we were told that they were still working on payment. We called back later again to speak to the BOA escrow department, and at that point were told that it was our responsibility to pay this tax bill. At this point, we were already being charged a late fee ( {$380.00} ) which we could have avoided if we had been given the correct information ( that the Escaped Back Taxes were our responsibility ) when we initially called. We believe that the late fee should not have come out of our escrow but should have been paid for by BOA because of the incorrect information we were given when we initially asked for guidance. 

This Fall, we've had to chase down the BOA mortgage to pay our property tax bill as well. Initially, we noticed that there was no fund extracted or prepared for the property tax due in XXXX. We called BOA and they gave us the completely wrong property tax amount ( half of what was actually due ), which I corrected. The next time I called back, they confirmed that they had the correct property tax amount which was being prepared to be paid. This has yet to happen. Our property tax was due XX/XX/XXXX and it is now XX/XX/XXXX and there is still no payment that is in process when I call into the automated line.
Consumer complaint received 2023-11-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (CA)

Frontline Asset Strategies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Current Account Number XXXX XX/XX/2023 Thank you for your response, however there are some things I do not agree with. You say in your response that you mailed me proof and answers to my inquiry on the validity of the debt, but all you did was confirm my personal information and, in your response, you only addressed the fact that you are not required to provided me a copy of my wet signature. You made a false statement in your response because you failed to answer the following questions in my correspondence to you to provide proof and not just validation of my name address sand ocial security number. 
I asked you to provide the following information and you did not.

1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent.

Instead, you told me to hire an attorney and make a dispute with the original creditor. My business is not with the original creditor you are the one that is trying to collect the debt. I asked you to provide the above information and you did not. It is your obligation to provide me with proof from the original creditor whom is your client, it is your obligation to provide me the information. It is not my job to dispute the claim with the original creditor since you are the one who is affecting my credit and trying to collect the debt. If you can not provide me with the above information I ask that you remove the collection permanently from all three credit reporting agencies. I am not contacting the original creditor, nor do I need to hire an attorney your attempt to try and put the responsibility on me and not answer the questions that you are obligated to do, shows that you are trying to sidestep your obligations to provide proof that the debt is mine. Again, the creditor is your client you must provide me the proof that I requested. 


Thank you XXXX XXXX
Consumer complaint received 2020-12-23
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. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (TX)

I'm have been denied for every single credit I've applied for, my credit score from XXXX is not right. Every credit union, Bank what ever all say no, I understand that I have no credit but I'm being turned down by every one and it's discouraging I have... well had a job but car broke down applied for loans but was denied due to the number of inquiries but there all for one thing financial help so I didn't lose my job which I did anyway because my credit score and Discrimination. Each time I get denied it says that my credit score played no part in their decision but says my score reflects a number between XXXX to XXXX not saying what's a score they can work with