davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (MD)

XXXX XXXX, XXXX at XXXX, I called my new mortgage loan lender XXXX XXXX XXXX XXXX  ( that my property was transferred to ), to pay my XXXX mortgage and the gentleman of XXXX XXXX XXXX told me I had until the XXXX, then the gentleman told me I owe {$380.00} for appraisals done on my house ( unbeknownst to me ) by the previous mortgage lender Shellpoint Mortgage Servicing . I told the gentlemen of XXXX I was unaware of appraisals done on my property/home, I didn't request appraisals, and I didn't authorize any appraisals for my house. The gentlemen of XXXX XXXX XXXX  told me that Shellpoint Mortgage Servicing did the appraisals in XXXX, and maybe the appraisals were done to see if I still live in my house. I told the gentleman of XXXX I never moved no where. That same day XXXX XXXX, XXXX at XXXX XXXX  I called Shellpoint Mortgaging Service and gave XXXX XXXX my account number. XXXX XXXX XXXX of Shellpoint Mortgage told me she does see appraisals for {$380.00} but Shellpoint Mortgage Servicing DOESN'T make homeowners pay for appraisals they do on the properties. XXXX XXXX said maybe Shellpoint might have sent that info in error during the transfer of the property to XXXX XXXX XXXX. I told XXXX XXXX XXXX of Shellpoint Mortgage can she, and her supervisor XXXX or XXXX XXXX, please send a letter to XXXX XXXX XXXX stating what she had just told me, " that I ( a homeowner ) don't owe nothing because Shellpoint Mortgage don't make homeowners pay for appraisals ''. XXXX XXXX XXXX replied, " sorry, they can't do that ''. XXXX XXXX of Shellpoint Mortgage told me to do a dispute with the new mortgage lender that they had transferred the mortgage loan over to ... XX/XX/XXXX at XXXX I called XXXX XXXX XXXX  back and XXXX XXXX XXXX XXXX told me that I WILL HAVE TO pay the Shellpoint Mortgage Servicing appraisals of {$380.00} even though I didn't request it, the mortgage late payment of {$21.00} that I paid in error to XXXX was put towards Shellpoint Mortgage appraisal fee, the appraisal fee is now {$410.00} because the longer I wait to pay it off there is interest added on, I can't do no little by little monthly payment to pay the appraisal off, the appraisal has to be paid in full, I can't dispute the unknown unrequested appraisal fee, and she'll send to me mortgage documents in the mail. I received the XXXX XXXX XXXX documents by mail and some of the pages are extremely too small to read. It's frustrating, its stressful. Bad enough my home had been transferred 3 times, but this is wrong to make me pay for appraisals I didn't request or know about. If these mortgage lenders can communicate with each other to transfer properties and loans then they can communicate to each other to put something in writing and/or requesting something in writing that I ( the homeowner ) don't owe nothing for these unknown appraisals done before the transfer or transfers.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX
Consumer complaint received 2024-10-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma (TX)

My tax return was deposited into a credit karma spend account that credit karma closed and they moved my money to a save account. Credit karma wont let me change or add another bank account to transfer the funds and I have tried to close the account and get a paper check mailed to me for XXXX XXXX!!! I keep calling and I have been told so many things and I have done everything that they have asked me to do and they still have not mailed my money!!! My kids and I are XXXX and I need my money and I have told them this repeatedly!!! My XXXX that we XXXX XXXX is about to be taken away and they still wont send my money so I can pay it!!! I need my money over night mailed to the address on file, I NEED MY MONEY OUT OF MY ACCOUNT!!!
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I filed a police report over a year ago when my wallet was lost in XXXX XXXX. My report number is XXXX and since losing my wallet which contained my ID and SS card, I have had multipule Credit Cards opened in my name and have acquired a large amount of debt. I did not autherize the use of my SS # and my personal information to open new lines of credit within the last 24 months. 

I just pulled my current Credit Report and i found a bunch of inaccurate information! 

According to the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ) ( 15USC1681-1681u ) which federal legislation gives consumers the right to dispute incomplete or inaccurate information. 

My current report is reporting inaccurate addresses and personal information that is linked and connected to credit card accounts in which i did not authorize! 

Inaccurate Info ; XX/XX/XXXXNV XXXX XXXX XXXX XXXX XXXX, NV XXXX These are the accounts that are reporting inaccurate information. I do not have any affiliation with these nor did I authorize my SS # to be used. 

XX/XX/XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Credit Bureau and XXXX XXXX - Reinvestigation Failure Dear CFPB, I am writing to file a formal complaint regarding a recent issue with a credit reporting agency and XXXX  XXXX, specifically concerning the failure to reinvestigate and correct inaccurate late payment information on my account. This complaint is based on the provisions under 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). 

Details of the Complaint : Account Holder Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Credit XXXX XXXX XXXX : Equifax Date of Dispute Submission : XX/XX/year> Background : On XX/XX/year>, I submitted a dispute to XXXX regarding a late payment reported on my XXXX  XXXX account. The disputed information inaccurately reflected my payment history and was not consistent with my actual payments. I provided supporting documentation to demonstrate that the reported late payment was incorrect. 

Issue : Despite my detailed dispute and the evidence provided, the credit bureau failed to conduct a thorough reinvestigation as required under 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). The inaccurate late payment information has not been corrected or removed from my credit report, negatively impacting my credit score and financial standing.

Request for Action : I kindly request the CFPBs assistance in ensuring that : 1. The credit bureau in question conducts a comprehensive reinvestigation of the disputed late payment on my XXXX XXXX account. 
2. The inaccurate information is corrected or removed from my credit report as soon as possible.

3. I am provided with a copy of my corrected credit report once the investigation is complete. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any additional information. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX Law 15 usc 16292c clearly states, If a consumer refuses to pay a debt collector the debt collector must cease all communication.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Complaint Regarding Credit Bureau and XXXX XXXX - Reinvestigation Failure Dear CFPB, I am writing to file a formal complaint regarding a recent issue with a credit reporting agency and XXXX  XXXX, specifically concerning the failure to reinvestigate and correct inaccurate late payment information on my account. This complaint is based on the provisions under 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ).

Details of the Complaint : Account Holder Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Credit Reporting Agency Involved : Equifax Date of Dispute Submission : XX/XX/year> Background : On XX/XX/year>, I submitted a dispute to XXXX regarding a late payment reported on my XXXX  XXXX account. The disputed information inaccurately reflected my payment history and was not consistent with my actual payments. I provided supporting documentation to demonstrate that the reported late payment was incorrect. 

Issue : Despite my detailed dispute and the evidence provided, the credit bureau failed to conduct a thorough reinvestigation as required under 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). The inaccurate late payment information has not been corrected or removed from my credit report, negatively impacting my credit score and financial standing. 

Request for Action : I kindly request the CFPBs assistance in ensuring that : 1. The credit bureau in question conducts a comprehensive reinvestigation of the disputed late payment on my XXXX XXXX account. 
2. The inaccurate information is corrected or removed from my credit report as soon as possible.

3. I am provided with a copy of my corrected credit report once the investigation is complete. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any additional information. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (GA)

I am writing to demand the immediate removal of the fraudulent car loan account associated with the above account number. This account, falsely listed under the name " XXXX XXXX '' which is not my legal namewas fraudulently opened during the COVID-19 pandemic. My legal name is XXXX XXXX XXXX, and I never authorized or opened this account. Your companys continued reporting of this account as " In Collections, '' " Profit Loss, '' " Late Payments, '' and as an open account is a direct violation of multiple consumer protection laws. 

Your actions are in violation of the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : You have a legal duty to report accurate information to credit reporting agencies. By reporting this fraudulent account, you are breaching your responsibility to maintain accurate data. 

FCRA, 15 U.S.C. 1681s-2 ( b ) : Upon receiving a dispute notice, you are required to investigate the accuracy of the disputed information. The fact that this account was opened under a fraudulent identity clearly indicates the inaccuracy of your reporting. 

Identity Theft and Assumption Deterrence Act : This act protects victims of identity theft by ensuring their personal information is not used without authorization. Your companys failure to verify the identity of the person opening this account and reporting payments under my name without my consent is a violation of my rights as a victim of identity theft. 

FCRA, 15 U.S.C. 1681i : As a consumer, I am entitled to a prompt investigation of disputed information. By continuing to report this fraudulent account without taking immediate action, you are in breach of your obligation to investigate within the required 30-day timeframe.

FCRA, 15 U.S.C. 1681e ( b ) : Consumer reporting agencies and furnishers are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Your companys reporting of an account opened under a different name violates this provision.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit Management Inc. is furnishing things on my credit report and violating the consumer laws. Midland Credit Management Ice is violating consumer law 15 USC 1681 B in which they can not furnish anything on my credit report without my written consent. I never gave Midland written consent to furnish anything on my consumer report. Also, I have requested validation of this alleged debt and the purchase agreement on XX/XX/year> and gave Midland Credit Management Inc 15 days to give the requested documents to me in which they never did.
Consumer complaint received 2024-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc. (NY)

The wrote me claiming that I owe money to XXXX, a rental car agency. XXXX has never contacted me about money owed. I asked them what the debt was supposedly for and they're unable to provide that information. Instead of responding to my request, I found later that they published the collection account to my credit report.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (NV)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists I Q International the said debt collector consistently keeps updating an old debt which goes against Federal Credit Reporting Act and needs to be removed immediately
Consumer complaint received 2024-10-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

Got gifted a XXXX $ Amex gift gift, cant use it in store ( XXXX  ) or online ( XXXX ), called Amex and they said it was to protect security
Consumer complaint received 2024-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

I received an email from TransWorld Systems about a medical debt. The letter was password protected and the password was incorrect. The enotice said the password would be the last name of the account holder in all caps and when I put my last name in, it would not open. The company is claiming that I owe {$1300.00} from medical debt. I asked for written verification of this debt around 2 years ago and they did not send me anything. I have tried calling and there has been no further communication. This collection is showing up on all my credit reports and has brought my score down significantly. I had health insurance during that time and should not be owing this amount or any amount.
Consumer complaint received 2024-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XXXX, I received a fraud alert from Citibank via text, asking to confirm a transaction. I replied no and they responded that a Citibank Representative would be in contact with me shortly. A Citibank Representative called me within 5 mins. I've had a lot of fraud on my account the past few months so this was normal. The agent confirmed my account balances and the last three transactions. The Citibank Representative then told me in addition to the withdrawal, XXXX XXXX ( a woman I was currently going to corporate school with ), also made two XXXX payments from my account for {$2400.00} each. They walked me through how to reserve the transactions with confirmation codes. The agent had me put 'R1 ' in the notes for reverse payment one. They said the authorities would be in contact with me and asked for a call back. I set the time of XXXX because I was just boarding my flight and needed to get home. The Citibank Representative said if I did not hear from them that evening they would call me at XXXX the next day. At XXXX I did not receive a phone call back so I checked my account and still saw the debit of {$2400.00} so I called Citibank immediately and submitted a dispute.

Citibank states I authorized the payment and will not refund my money. I did not authorize the transfer, I authorized a reversal of transfer. I believe this may be an inside job because they have my account information yet refuse to make me a new account. I have already been issued 2 new debit cards in the past few months. I've had a lot of conflict with Citibank Representatives since they out sourced to other countries.
Consumer complaint received 2023-06-17
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. (GA)

XXXX XXXX 15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 under 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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX Email : XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Complaint Regarding Credit Bureau and XXXX XXXX - Reinvestigation Failure Dear CFPB, I am writing to file a formal complaint regarding a recent issue with a credit reporting agency and XXXX  XXXX, specifically concerning the failure to reinvestigate and correct inaccurate late payment information on my account. This complaint is based on the provisions under 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). 

Details of the Complaint : Account Holder Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Credit XXXX XXXX XXXX : Equifax XXXX of Dispute Submission : XX/XX/year> Background : On XX/XX/year>, I submitted a dispute to XXXX regarding a late payment reported on my XXXX  XXXX account. The disputed information inaccurately reflected my payment history and was not consistent with my actual payments. I provided supporting documentation to demonstrate that the reported late payment was incorrect. 

Issue : Despite my detailed dispute and the evidence provided, the credit bureau failed to conduct a thorough reinvestigation as required under 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). The inaccurate late payment information has not been corrected or removed from my credit report, negatively impacting my credit score and financial standing.

Request for Action : I kindly request the CFPBs assistance in ensuring that : 1. The credit bureau in question conducts a comprehensive reinvestigation of the disputed late payment on my XXXX XXXX account. 
2. The inaccurate information is corrected or removed from my credit report as soon as possible.

3. I am provided with a copy of my corrected credit report once the investigation is complete. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any additional information. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX