davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Debt collector called XXXX XXXX XXXX reported a debt on my credit report thats not mine and requested for the debt validation on the account and they refused to provide it. Please Im requesting for them to delete this wrong information from my credit reports immediately. Account number : XXXX Company name : XXXX XXXX XXXX
Consumer complaint received 2021-02-09
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (PA)

I sold my house and that paid my Mortgage with Shellpoint off. They have since reported me as 30 days late, then 60 days late on a {$0.00} loan which is absolutely impossible! The wire transfer took place twice on XX/XX/XXXX! Well before the loan could ever be considered late! You also CAN NOT BE LATE ON {$0.00}!! HELP ME! THEY DENIED THE WIRE TRANFER 2 TIMES! MY TITLE INSURANSOR WAS SURPRISED BY THEIR LACK OF ATTENTIVENESS!
Consumer complaint received 2020-09-13
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: Experian Information Solutions Inc. (MN)

Problem with personal statement of dispute ( explaining why you disagree with a lender 's decision after an investigation ) Can anymore show me in writing as to when XXXX XXXX was entered I will need this information dated back from XX/XX/19 if you are not able to provide me any proof you will need to delete XXXX immediately discover CAN NOT supply me with anything XXXX  I have called your office about this your failure to delete the account is now FCRA And sent multiple CFPB complaint Experian and XXXX  you have as well receive countless of disputes about this same issues none of you are able to send me XXXX therefore you all must delete XXXX XXXX you all have committed multiple violation of the FCRA send me the XXXX XXXX proof no XXXX  XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I'm writing in regards to a {$580.00} withdrawal from my bank account by Fifth Third Bank due to an unsuccessful cash deposit resulting in a denied dispute. The initial deposit was made at the Fifth Third Bank ATM located at XXXX XXXX XXXX, XXXX XXXX  XXXX on XX/XX/2020. 

Upon depositing the cash, I was given an error message and the money was not returned. The ATM requested I put in the amount deposited, so I inputted the {$580.00}. Next, a receipt was printed out that stated to take the receipt into the branch. I then attempted to take the receipt into the branch, however, that branch is no longer in operation. 

I then took the receipt to the Fifth Third branch located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. They referred me to Fifth Thirds dispute department, which is when I called and filed a dispute. 

When I filed the dispute on XX/XX/2020, the {$580.00} was immediately credited back to my account. 

On XX/XX/2020, I went to use my card for a purchase and it was denied. Upon investigation, I learned that Fifth Third Bank denied my dispute and did a {$580.00} withdrawal on my count. This left me with absolutely no funds in the midst of a crisis. 

I then called the disputes department, where I learned that the case was denied because apparently that ATM is showing it is balanced. I spoke with dispute personnel, and a supervisor. All of which told me they apologize for the inconvenience, but all they can do is reopen the case. Absolutely no empathy, ability, or willingness to release my funds until the dispute is resolved, up to 30 days. I was left with literally no food, gas, or bill money to my name for an entire week, due to Fifth Third Banks error. 

Per the dispute departments request, I then emailed over a letter of intent to dispute. After one week of not hearing anything and a 30 minute hold time, I find out from the dispute team that the email was never received. Mind you I sent it to the exact email address provided with the case number in the subject as directed. I have now resent the intent to dispute. 

I am beside myself with the lack of accuracy from this company. There was an error with their ATM, an error with their reporting, and now an error with them receiving an email in the format and using the email address I was told to use. At this point, I need Fifth Third to step up, get their ducks in a row, and get me my money back immediately.
Consumer complaint received 2020-09-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (LA)

After paying off the debt I initially was told with XXXX XXXX XXXX for an old account which was opened in XXXX for the amount of {$350.00}. Paid it off in XX/XX/XXXX and XXXX has reported as of XX/XX/XXXX as CLOSED which has damaged my credit score.Consumer said they reported to XXXX as PAID IN FULL and asked for a removal.
Consumer complaint received 2016-05-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I requested a credit line increase, the reason why I did n't get one was, " We are unable to obtain your most recent monthly payment data from the credit reporting agency. '' Very unlikely reason since every time the wind blows, I get a alert about my credit report from them. Plus, it 's no where to be found on their reasons for denials.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GLA Collection Company, Inc. (CO)

In XXXX, I was diagnosed with XXXX. Treatment for my XXXX included removing  a large portion of my XXXX, basically I paid a XXXX  to remove a huge area of my XXXX. The XXXX  specialized in XXXXXXXX the area to make me look less XXXX after the XXXX. Unfortunately, there were serious problems with the XXXX  and I walked around for a year with a XXXX XXXX on my XXXX. This was very upsetting but I was happy to be alive and XXXX free. I notified the XXXX  about the XXXX XXXX on my XXXX  and eventually agreed to redo the XXXX. After 1 year and 3 months, two painful XXXX, and weeks of wearing huge bandages on my XXXX, I was satisfied with the results. 

The total bill for all services was huge. I paid almost 90 % of the original invoice amount but I refused to pay the final {$1200.00} because I felt the pain and suffering was brutal. My opinion is and was that because it took 1 year and 3 months, two painful XXXX, and weeks of wearing huge bandages on my XXXX, the XXXX   should reduce the total price as a goodwill gesture. 

The XXXX   refused and adding insult to injury hired a collection agency. The collection agency then listed the XXXX   bill as XXXX XXXX XXXX disclosing my medical condition to everyone. This is a violation of HIPPA law of XXXX. GLA Collection should have listed the item as " XXXX   bill '' with 3 major collection agencies. My medical condition/information should not be shared with the 3 major credit reporting agencies! 

I have asked both GLA Collections and my XXXX   to remove this " XXXX XXXX '' from my credit report and they have refused. This is terrible on so many levels that both GLA and my XXXX  think it is acceptable to knowingly share my medical condition! 

I would like the entire collections account removed from my credit report. Especially since it has been on credit report for 5+ years and the deliquency is 6+ years old! I have no intention of ever paying this expense and the statue of limitations has passed on pursuing legal action against me. 

This XXXX  and the collection agency 's motivation is only money and do not care about its patients or patient rights. No XXXX  or collection agency should every disclose a patient 's condition to anyone. 

My hope is CFPB can have my medical condition removed from all records at all three credit bureaus and GLA Collections.
Consumer complaint received 2020-04-21
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: WELLS FARGO & COMPANY (NY)

Called Wells Fargo on XX/XX/2020 to perform a BALANCE TRANSFER on an existing Wells Fargo card that I have that has a XXXX  BALANCE. 

This card has had a XXXX  balance for over 6 months, if not more. 

The Wells Fargo representative told me that she had to do a " HARD PULL '' on my credit in order to look at my credit score and see if she could 'override ' her system and get the Balance Transfer done. WHAT? 

I have never had this happen with ANY of credit card company, and I deal with multiple bank credit card companies ( XXXX, XXXX, XXXX, XXXX, etc ) You would think with all the negative press that Wells Fargo has gotten in the past 2 years they would a little more CUSTOMER FRIENDLY.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NJ)

Representative XXXX ( ID # XXXX ) provided me false information in regards to my account. Failed to transfer me or my request to the executive office. Failed to provide an appropriate resolution to the problem with my account. Failed to protect the privacy of my account and my account details.
Consumer complaint received 2020-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

Cash app is the worst if you make a transfer they'll cancel your transfer for no reason without even verifying with you like that's unprofessional if you ask me i transfer a XXXX to my sister it was cancelled and now my bank taking me through changes this is not right at all
Consumer complaint received 2024-10-21
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. (MD)

I recently reviewed my credit report and identified several billing errors that violate 15 U.S. Code 1666 ( b ) regarding billing inaccuracies, specifically : ( 4 ) Failure to accurately reflect payments made by the obligor or credits issued.

( 5 ) Errors in computation or other accounting inaccuracies.

Additionally, per 15 U.S. Code 1666b, creditors can not consider a payment late unless a periodic statement is sent at least 21 days prior to the due date.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing this due to non-compliance with Trans Union. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. They have removed all past addresses, and aliases. These two accounts do not have an address or name attached to them. 

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX account # XXXX I strongly believe that they are in violation of the FCRA XXXX and are outright refusing to uphold the law.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (OK)

My card hasnt yet come in the mail I think its because I recently moved and my name wasnt in the mailbox and Im not on the lease so I think they sent it back. But Ive been calling to try and see if I could get another one sent out but no one is answering and I stay on hold for about 3 hours or longer before hanging up
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (PA)

I DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my consumer report unless otherwise noted in section 604 of FCRA.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX loan 15yr fixed equity w/ XXXX and Parent as co borrow, XXXX adult, parent handle SSDI  benefit income for daughter. XXXX XXXX loan in default. 
XXXX parent now XXXX, no longer able to handle financial affairs, notified XXXX, ask for modification pending.. 
XX/XX/XXXX parent died with out will. told to reapply for modification as individual. property securing lien, XXXX. No first mortgage, property a triplex w/ rental income. no help, no recast from XXXX, income too low to qualify. XXXX SENT refused to sell since other siblings refuse to pay off lien w sale XX/XX/XXXX transferred to XXXX, loan accelerated ( owe XXXX ). XXXX  XXXX  XX/XX/XXXX modification denied since other sibling collecting all rental income refused to sign provide proof of rental income. Both tenant and other relative in other house refuse to help, very hostile. 
XX/XX/XXXX HUD  agency, Transferred to XXXX XXXX XXXX, default/foreclosureXXXX granted modification, with sons signing to provide additional XXXX a month. 
XX/XX/XXXX transferred to Select Portfolio services, XX/XX/XXXX to date Pay all cost for property - Property Taxes, Hazard insurance, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX ( water, sewage ) Now I continue to ask for help, yearly cost for owner expenses is average {$12000.00}. I would owe nothing if my parent grantor / co borror alive, instead unable to collect any help from tenant, relative in my parents house, XX/XX/XXXX started to evict, now cant evict and must try to sell now, i have not missed any payments, still XXXX, no probate but no help, proof of ownership, no voice, no inclusion and hopeless again. Always to truth, 15yrs yet no forbearance, I owe more now since not a dollar of help, can now prove brother collected XXXX rental income, not ok. I'm still XXXX, getting worse, what did XXXX and XXXX do for XXXX, no privacy, no dignty or help.
Consumer complaint received 2020-04-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (KY)

This is a case where the debt collector broke the law and sent private information of a debt to my work instead of my home. Employee of company open the mail and scanned it to my work files. Now many people in my office are aware of this situation that is now looking to cost me my job.
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

When I go to log on to the Experian site for a credit freeze it refuses to except my current username and password even though I am 100 % sure I have entered it correctly. Also, after answering several security challenges questions correctly, XXXX XXXX locked my account and requests that I mail them a photocopy of my drivers license, utility bill and social security card. I do not have a social security card, so my account has been frozen by Experian permanently in error. 
I believe this is a blatant attempt by Experian to force a consumer to pay to have their account unlocked or lift a freeze by purposely and falsely not recognize someones correct username and password or security questions. 
I have written to my congressmen to hold hearing into these tactics taken by the 3 credit bureaus which are falsely locking consumers accounts so that they have to pay for one of their security programs. Hopefully, they can prevent this type of consumer abuse in the future.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

issue 1 ) Equifax keep adding XXXX  XXXX BANK back to my credit report. it was removed once based on the information provided to them years ages ago. now it is reshowing again. 

issue 2 ) Equifax also refuse to let me have access to myequifax portal to review my information. When I sign into my account it inform me to call customer service and I do. I explain that i am trying to log into my equifax portal account and it told me to call customer service, the representative i have spoken with have been no help and this has been going on for 2 yrs now. of trying to get access to my personal information.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

Our home burnt XX/XX/XXXX we contacted Shellpoint on XX/XX/XXXX and let them know what happened. XX/XX/XXXX Shellpoint went forward knowing that the home burnt and the insurance company was paying it off. We were told on XX/XX/XXXX to send the insurance check to the loss draft department. on XX/XX/XXXX the loss draft department emailed me and ask for the payoff. When we contacted shellpoint about our payoff amount we were told on XX/XX/XXXX it would be XX/XX/XXXX before they could tell us because they went forward and filled to foreclose on us. We are also showing credits on our account un unapplied payments. This is a mess. We simply want to be done and move on.
Consumer complaint received 2020-04-21
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. (TX)

XXXX  XXXX account opened on XXXX after I placed a fraud alert on XXXX XXXX balance I dont have a car financed and I live in TX
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (NJ)

I had a gym membership at XXXXXXXX XXXX at the XXXX location in XXXX XXXX, NY. Due to state mandates, they were closed from XXXX to XX/XX/2020. During that time, there was no way to cancel my membership as the only acceptable forms of cancellation, based on their agreement, were in person or certified mail via the post office. After repeated requests by me to cancel via any other form that does not violate local covid mandates, I was denied my ability to cancel my membership. I have been charged {$73.00} by them and currently have an outstanding balance from them which was sent to collections. Please help me regarding this matter. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Bankruptcy Dispute : It was requested that the Credit Bureaus provide information of how they verified the bankruptcy they stated was verified by the furnisher being the court house. I requested : 1 ) The Name Of the Court House 2 ) the name of the individual/person they verified the dispute with 3 ) The address 4 ) The Phone Number 5 ) The documentation used to verify the dispute letters attached XXXX  and Experian are fraudulently reporting this bankruptcy and the accounts attached to it. The North Carolina Bankruptcy court mailed certified, signed and stamped letters to me. These letters confirm that they have no relationship with any of the three credit bureaus and they do not verify with them directly. XXXX  and Experian have not verified this information with the furnisher as they stated and they have not provided the information I requested as to how they verified this information. ( Letters attached below ) XXXX  Has removed the bankruptcy as well as the accounts attached to it. ( see XXXX  removal document ) I DEMAND XXXX  AND EXPERIAN TO REMOVE THE BANKRUPTCY AS WELL AS XXXX  SCORE REWARDS ACCOUNT, XXXX XXXX   AND XXXX  XXXX ACCOUNT # XXXX FROM MY CREDIT REPORT IMMEDIATELY.