davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-09
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: Shellpoint Partners, LLC (VA)

I was notified by my previous mortgage loan servicing ( XXXX XXXX XXXX ), that my mortgage was sold to another loan servicing company. 

After a few months I did not receive any notification from my new loan service company. I wrote XXXX XXXX XXXX  and they told me in an email that XXXX XXXX is my new loan service company and to pay them the XXXX mortgage, which I did as instructed. Shellpoint has that email from XXXXXXXX XXXX XXXX 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Community loan payment instructions Attn : Payment Processing - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX Pay To : XXXX XXXX XXXX : XXXX XXXX : XXXX  XXXX Pay To : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Payment Clearing Bank Name XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX Special Instructions Please ensure that an e-mail with wire backup details is sent to XXXX for every wire sent to above post-transfer payment account. 
-- -- -- -- -- - I later found out that Shellpoint now claimed to be my loan service company. They said they sent me a welcome letter. I told Shellpoint I never received their letter but I did receive notification from my previous loan service company that my loan service company is XXXX XXXX NOT SHELLPOINT. I trusted that Shellpoint would straighten this matter out. I showed Shellpoint I paid XXXX XXXX XXXX payment as instructed by XXXXXXXX XXXX XXXX. Shell point took more than 2 months to verify that I did pay and had my XXXX mortgage payment sent to Shellpoint. Shellpoint notified my credit reporting bureaus that I was late. The result my credit scores on all three credit bureaus ' dropped more than XXXX XXXX  This action by Shellpoint ruined my credit. 

I still do not have an official notice from Shellpoint they are my new loan service company I only have their monthly statements which show that I have paid on time. 

I sent them Shellpoint XXXX XXXX XXXX  notification that to pay ONLY XXXX XXXX and the cancelled check showing that I did pay XXXX XXXX. 

I called Shellpoint and they said I could not talk to anyone on the phone at their loan servicing department. I would have to send them an email plus send all reports from credit reporting agencies. 

Shellpoint has no interest in resolving this matter and wants me to me go away and suffer with a bad credit report. My credit was at around XXXX then dropped to XXXX after Shellpoint erroneously notified all credit agencies of my late XXXX payment.
Consumer complaint received 2022-10-09
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. (TX)

There are fraudulent accounts being reported. I submitted to the bureau a police report, theft affidavit, and identification documents. They have yet to remove all of the fraudulent accounts per FCRA 605b Block.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than They are still reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (MT)

I am complaining yet again about Sallie Mae and the insane interest charges on my account. I check my account on XX/XX/22 and the total charges were {$26000.00}. I check a few days later XX/XX/22 the charges are {$26000.00}. Is Sallie mae ridiculous? I have gotten 3 loans with this private loan company and have been charged insane interest rates. 
Plus I tried to file a XXXX discharge with Sallie Mae and they refused it. I only work Part part and even with Social Security you allowed work credits. So sallie mae is going against Social security as well. Than they lied to me and said with the final loan I took I needed a co-signer for a " JUST IN CASE '' need and If I didn't get one I could not take the loan. Then when I signed up and sent a release of a co-signer they denied that as well and never told me that I had to make additional payments to get my cosigner released which is my mother and she is permanently XXXX. So that was unfair to her and me. 
I even talked to XXXX  XXXX the so called company that Sallie mae sends they XXXX discharges to and they asked me if I was XXXX before the loans were given to me and I said YES I WAS. XXXX XXXX that is consider PREDATORY LENDING against a XXXX individual. So Sallie Mae did predatory lending charges against me and my mother. I have complained about this to CFPB before and Sallie Mae has not and will not make any effort to help at all. Myself and my mother are both permanently XXXX and I said before I or my mother will NOT be taken advantage of by a predatory lender. Sallie Mae can send over all the paper work they want to. Sallie Mae and XXXX was sued already for predatory lending charges against students. They need let another civil class action lawsuit against them again. This is complete and unfair treatment against 2 XXXX women and this needs to be Stopped. Sallie mae are predatory lenders.
Consumer complaint received 2022-09-18
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 

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

15 U.S.S 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-10
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-10-09
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: Velocity Portfolio Group (NC)

This creditor CKS PRIME INVESTMENT is still violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section XXXX states a consumer reporting agency can not furnish a account without my written consent, I do not owe CKS PRIME INVESTMENT ANY Money and I demand that they provide actual validation with my WRITTEN CONSENT STATING I OWE THEM AND THST I GAVE THEM PERMISSION TO VIOLATE MY RIGHTS TO PRIVACY I also demand a copy of the contract binding both parties ( CKS PRIME INVESTMENT & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from CKS PRIME INVESTMENT within 5 days as listed in the terms of the the consumer book! kind regards!
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Westlake Services, LLC (PA)

I have made all of my payments on time. I also have the right to privacy. A consumer agency can not furnish an account without my written instructions. I wish for my payment history on my account to be changed.
Consumer complaint received 2022-10-10
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. (PA)

A XXXX XXXX  account is reporting inaccurately on my report. Experian has a different opening date and a different last date of activity than transunion. This is hurting me. When I tried to dispute it on there website. A message popped up saying that they were not going to dispute it.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

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

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency connot furnish a account without my written instruction
Consumer complaint received 2024-10-03
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. (MS)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I sent a certified letter to each of the credit bureaus requesting that the incorrect information on my credit report removed. As of today, XX/XX/XXXX, I have not received any communication pertaining to this matter. My full name is XXXX XXXX XXXX XXXX My birthday is XX/XX/XXXX and my correct and only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. All other information needs to be removed immediately. This is the letter that I sent : I am writing to formally demand the immediate removal of incorrect personal information currently reflected on my credit report. My full name is XXXX XXXX XXXX XXXX, and my date of birth is XX/XX/XXXX. My correct and only address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

The following information on my credit report is incorrect and must be removed immediately : Name Discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple variations ) Previous Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX I demand that all incorrect names, addresses, and other personal information be removed from my file immediately as they are not accurate or relevant to my credit history. This erroneous information could impact my creditworthiness and lead to further confusion. 

I expect prompt correction of my file and written confirmation that this matter has been resolved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

XXXX and XXXX they are using my accounts from XXXX  XXXX that has discharged and showing and reporting 90 days late causing my score to drop they have blocked any dispute on line and has not responded to any mail in disputes I sent them possible negative that's was on my report and I reported it to you and it disappeared using language signal to creditors what's type of account it is.using certain words on report I have not paid any thing late since I filed my XXXX  XXXX discharge putting loan amounts and showing current lates like I'm recently missed payment latley.
Consumer complaint received 2024-10-03
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. (FL)

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 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I received an email on XX/XX/22 confirming opening a new account with Bank of America. I was provided an abbreviated account number and all documents had my name. When attempting to log in online to change or cancel information, it was under my social but I was unable to do anything as the banking institution was closed. I was able to email their fraudulent department.
Consumer complaint received 2022-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TX)

issue is a fraudulently reported collection account my credit report for a mortgage has a collection account that is not mine. i contacted paramount recovery who over hte phone verified full name date of birth and ssi number none of which match my information and the lady i spoke to verified it was not me. however they said it would take 6 weeks to process the account to have it removed i reiterated that this fraudulent account ws affecting my ability to get a home loan then i asked for a manger. XXXX XXXX came on the line and he refused to reverify and stated " anyone can make up ssi numbers date of birth " which i replied i have sent you my ssi card and texas drivers license its not me. he refused to cooperate and have this account removed from my credit report. He was extremely rude and hostile. he verified the original creditor is XXXX XXXX XXXX- i spoke to a nice lady XXXX XXXX XXXX XXXX who handles the billing for XXXX XXXX XXXX XXXX who stated none of my information was in her system she stated that she is unable to contact the collection agency but that once they are contacted then she will verify this account is not mine its someone else. they wanted me to pay this debt even though its not mine i need to get my home and they are preventing me from doing that by fraudenlty reporting debt that is not mine and holding me hostage