davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY (NY)

This bank Is ridiculous they respond to My Complaint after I closed my checking account they left bill pay on they send me a check this is Not fair only For {$20.00} when my bank charged me for their mistake {$150.00} in fees returned check fees when I had closed My account They never canceled today I get a letter from Them and a check Only {$20.00} and contacted the person on the letter she says if I Want the rest of the fees to File Another complaint against them For the remainder amount to be credited to me by check she said Not To Go To the bank that they are working And dont know Why they Didnt cancel The bill pay after closing my account she says she cancelled It immediately after seeing it was turned Im and agreed its not My Fault For their mistakes thats why she credited me for the error but their is more Money owed to me td send me {$100.00}
Consumer complaint received 2020-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

I saw this debt on my credit report and have no idea what it is from. I have not taken out a payday loan in 2019 as it is claiming. I have not even had a regular bank account to do so. I also have lived at the same address for 6 years and have never received a letter or any other contact from Midwest Recovery Systems, stating that I even had this debt to begin with. It states that the account status is open yet I was not given a chance to validate this debt and believe the information from it is both false and inaccurate.
Consumer complaint received 2020-03-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (AZ)

There are recent derogatory entries on my credit report from Midwest Recovery Systems, dated XX/XX/2020. The derogative entry says that I have an account in collections for {$310.00} that I'm unaware of. This has damaged my credit score. I have never heard or owed money to a company called XXXX XXXX XXXX. I was not notified in writing of any such debt. The debt is invalid.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2024-10-20
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. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO
 PRIVACY.

15 C 1681 SECTION 604 A SECTION 2: IT ALSO STATES A
CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT
WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (AZ)

I have mortgage payments paid on time not reported I've disputed 5 items on my credit report ; nothing shows I just paid off XXXX XXXX XXXX XXXX and reported My scores go down instead of up
Consumer complaint received 2020-03-25
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. (FL)

I check my credit report I notice there was several accounts that was not open by me.someone has been using my identity for many many years am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block  Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-10-20
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-10-20
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. (FL)

I XXXX XXXX have received my credit report today XX/XX/2024 and I have notice that somethings are incomplete and not accurate, and accordance with the fair Credit Reporting act. Here are the list of the accounts below that has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15. USC. 1681 section 602 A. States I have the right to privacy 15. USC 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15. USC 1681 C. ( 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 crime which antedates the report by more than 7 years.

15. USC. 168 1s -2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the.
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (NJ)

I did not receive a statement and so Discover is charging me a late fee. Since receiving the statement the coronavirus has taken big hold in our beloved country. The coronavirus has caused me to be unable at the present time to pay the monthly Discover bill and so I asked for forbearance until the coronavirus is under control. I am over 70 years of age and have serious undying medical problems, including XXXX XXXX XXXX and treatment for XXXX XXXX. I am high risk, according to Vice-President Pence and his White House task force. I ask for temporary suspension of billing! It would be cruel indeed for Discover not to agree! Nor may Discover cancel my account!
Consumer complaint received 2024-08-30
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Dispute of Inaccurate Information on Credit Report Due to Identity Theft To Whom It May Concern, I am writing to dispute certain inaccurate information that appears on my credit report. The information listed below is the result of identity theft, and I request that it be removed under the guidelines of 15 U.S. Code 1681c-2, which provides for the blocking of information resulting from identity theft. 

Disputed Information : Account Name : XXXXXXXX XXXX Type of Information : [ e.g., fraudulent account, incorrect charges ] Date of First Reported Fraud : XXXX Amount : {$3500.00} According to 15 U.S. Code 1681c-2, upon receipt of an identity theft report from the consumer, credit reporting agencies are required to block the reporting of information that is identified as being a result of identity theft within four business days. I am requesting that you immediately block and remove the above-listed information from my credit report and cease reporting this information to other parties. 

Enclosed, please find copies of the following documents to support my claim : A copy of my identity theft report. 
A copy of my driver 's license or other government-issued identification to verify my identity. 

Please investigate this matter and remove the fraudulent information from my credit report as soon as possible. I would appreciate a confirmation of receipt of this letter, as well as notification when the information has been removed. In addition, please provide me with a free copy of my updated credit report reflecting these changes. 

Thank you for your prompt attention to this matter. Should you need any further information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-25
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: Prosper Marketplace, Inc. (CA)

On XX/XX/XXXX, I submitted loan application documents at the request of personal who contacted me from Prosper services. I realized that my name was not correct on the loan, it was XXXX, my former legal name. My new name was XXXX, and I forwarded the appropriate court documents and drivers license to verify. I was verbally told by phone that I was approved and that I should submit these documents and confirm my application online. Upon submitting everything, I received a call on the morning of XX/XX/XXXX, confirming yet again that I had been approved. I logged into my account after receiving an email stating that I had an update. Upon logging in I was notified my account had been suspended and my loan was cancelled. The message read : Unable to verify identity, employment, credit history, income or other information on the application.This is impossible as I had provided all necessary information and documentation to Prosper.I called back and was told " sorry, and to reapply in 90 days, '' as this was unacceptable I asked to speak to a supervisor. His name was XXXX, and he told me this would be forwarded to investigation services for their review. They are no refusing to answer my calls and update me on the investigation, meanwhile a hard credit exists without any reasonable answer as to why they cancelled my loan request.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am deeply frustrated, I do not know why you keep reporting this inaccurate information on my credit, this has been already deleted by XXXX and XXXX. These lapses on your end are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It is so disheartening that my rights as a consumer is being violated in this manner.
Consumer complaint received 2020-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MS)

My credit is Bad and I know it is. I seen my XXXX and decided to inguire about. So the lady said if I had enough down no problem. Well I got approved on spot and I told her I be back the following week with down and I gave XXXX. Her Dad told me verbally 6 % on XXXX. Well it 23. % and I could have paid cash at the time but wanted to work on credit. XXXX XXXX XXXX is XXXX to XXXX max and I agreed to price because of verbal rate, any way XXXX in interest 4 years please help, I love the car but this is crazy
Consumer complaint received 2024-10-20
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. (TX)

I am writing to dispute fraudulent debts that has appeared on my credit report. This debt is the result of identity theft caused by my personal information being exposed in multiple data breaches, where my Social Security number, birthdate, address, and email were sold on the dark web. I have already been in contact with the police and submitted an FTC Identity Theft Report. I request that these fraudulent debts be removed from my credit report.
Consumer complaint received 2024-10-20
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. (IN)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 an account without my writen instructions.
Consumer complaint received 2024-10-20
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: Experian Information Solutions Inc. (AR)

I HAVE DISPUTED WITH THESE CREDITORS DIRECTLY AND NONE OF THEM RESPONDED TO MY DISPUTES WITHIN THE FEDERAL 30-DAY TIME FRAME THEREFORE EXPERIAN AND XXXX XXXX XXXX XXXX ALL THE ITEMS LISTED. I HAVE SUBMITTED PROOF OF THE CERTIFIED MAILINGS ALONG WITH THE LETTERS. IASKED FOR PROOF OF AN ORIGINAL CONTRACT WITH MY SIGNATURE AND NONE COULD BE PROVIDED. THEREFORE, MY RIGHTS ARE THAT THE ITEMS BE REMOVED IMMEDIATELY.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I went to file my taxes and I was told by the tax consultant that my identity has been stolen because someone had already filed under my personal information. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$2700.00} XXXX  XXXX {$2800.00} XXXX   XXXX {$2700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$340.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$590.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$400.00} XXXX   XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$740.00}
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CT)

Hi, I have entered into a loan contract with NewRez LLC to refinance my mortgage. The loan number is XXXX and the agents handling my loan are XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ). 

On XX/XX/XXXX at XXXX XXXX  Mr. XXXX and I discussed the loan over the phone and agreed on the terms. In that call Mr. XXXX informed me that the requirement to conduct an appraisal had been " waived '' and that the loan was ready to proceed. 

On XX/XX/XXXX I received an email from XXXX XXXX indicating that my loan has been approved. Upon emailing Mr. XXXX of the good news, he informed me that Ms. XXXX would be handling the closing from here on. 

I attempted to contact Ms. XXXX several times between XX/XX/XXXX and XX/XX/XXXX to discuss the closing process. The attached log shows the calls. 

On XX/XX/XXXX I received the closing disclosure, which described the final loan terms and closing costs. On XX/XX/XXXX ( today ) my wife and I signed the closing disclosure. 

On XX/XX/XXXX Mr. XXXX informed be that despite being provided with the final loan terms and closing costs, and although having signed an agreement to proceed with closing, that now NewRez needs an appraisal. Conducting an appraisal at this point will impact the loan terms and closing costs, which were already finalized. 

Mr XXXX informed me via email ( attached ) that the firms to which he intends to sell the loan to are requesting the appraisal and it is out of his hands. 

I would like the CFPB to compel NewRez to honor the loan agreement that they offered and I signed and commence with closing. It is not my concern as a borrower if the resale market for my loan has changed and NewRez wants to change the terms as a result.
Consumer complaint received 2020-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

My loan was sold to Shellpoint Mortgage Servicing on XX/XX/XXXX. 
1. I disputed " fees '' and my Escrow Balance on my loan by direct email to two different departments of Shellpoint Mortgage Servicing.

2. I submitted an initial letter in writing on both XX/XX/XXXX and XX/XX/XXXX. 
3. On XX/XX/XXXX I received- by USPS- a letter dated XX/XX/XXXX from Shellpoint Mortgage ; with incomplete, wrong, and no detailed explanation of the " fees '' on my account. There was zero response of the explanation of my escrow account balance. 
4. I then resent my original complaint along with a new dispute letter on XX/XX/XXXX, for my 2nd request for detailed explanation of both my " fees '' and escrow account balance. 
5. It was not until XX/XX/XXXX that I received the written notice they have acknowledged my dispute ( which is beyond the requirement of the Mortgage Servicing Rules. 
6. They have violated this by not responding within the 5 days.

7. They should of originally responded correctly after my first request ( XX/XX/XXXX ) for dispute of notice of error and to also comment- I did not receive a notice of acknowledgement from Shellpoint on the first request for dispute on XX/XX/XXXX. 
8. I did receive a notice from USPS on XX/XX/XXXX from Shellpoint dated XX/XX/XXXX ( which is 43 days after my second request to complete my dispute from the first time I requested notice of error- which has been going on since XX/XX/XXXX ) stating that Shellpoint was " investigating '' my request. 
9. Within the Mortgage Servicing Rules, RESPA, and Regulation X - Shellpoint Mortgage Servicing should meet the requirements for responding to written request and complaints of Errors within the 30-45 days that are outlined and required.

10. Within this time frame of 30-45 days they are to provide me with either : correct the error and also provide me with written notice of correction OR conduct investigation including providing me with written notification of wither or not error occurred.

11. This also falls under the Consumer Protection Statue. Shellpoint Mortgage Servicing is required to provide me with an accurate disclosure of cost to maintain compliance with these statues/laws. 
12. After many request, I am now filing formal complaint for violation of my rights under the RESPA, Regulation X, Mortgage Servicing Rules, and/or the Consumer Protection Statue.
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

Im a victim of identity theft someone got my XXXX XXXX card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.
Consumer complaint received 2020-03-25
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX  XXXX {$2000.00} XXXX XXXX XXXXXXXX {$420.00}