davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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: The Bureaus, Inc. (GA)

THE BUREAUS INC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Dear The Bureaus Inc., I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter. 
Regards, ( redacted )
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (TX)

I requested that a few accounts on my credit file with Equifax be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NC)

Back in XXXX of XXXX I contacted Wells Fargo to see if I could lower my APR for my credit card. After being on the phone for over an hour I spoke with an Executive Leader to  negotiate a lower APR. At the end of the call, I was denied. I will ultimately have to close this credit card and open another one with a different bank if I can not renegotiate a better rate. In any case, my reason for writing this is due to the advice that I was given by an Executive Leader on the call. After I shared my excellent credit score rating ( monitored via FICO score by Wells Fargo ) and my history of paying on time since I opened up my credit card with Wells Fargo back in XXXX, I was advised to allow my credit card account to go delinquent due to failure of payment, let the Wells Fargo sell my account to a collections company and then negotiate paying 75 % -50 % of what is due. I was horrified and deeply offended that this was advice that a customer service representative was giving me. Especially since they have access to my credit score and my payment history with them and after clearly stating that paying on time and maintaining my high credit score were important to me. It was upsetting to hear this because most people in low-income households lack financial literacy. If this advice were given to them, they would have actually followed through with this terrible advice and had their credit score and history deeply affected by this. I called the next day after this happened to report this and was told that I would receive a call back to further discuss this matter. I also reached out to them in XXXX to discuss the same. I have not been given documentation of the original call or my complaints.
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MD)

Follow-up related to Complaint XXXX to Shellpoint as they informed me they closed the ticket/previous issue without fully resolving the issue. 

Previous complaint summary -> " Initial payment to XXXX XXXX XXXX XXXXXXXX {$25000.00}. {$5600.00} towards XXXX mortgage payment and {$20000.00} towards the principal balance. This was cashed by XXXX XXXX on XX/XX/XXXXXXXX 

XXXX XXXX transferred funds to Shellpoint Mortgage Servicing. Shellpoint Mortgage Servicing only processed my {$5600.00} payment but not my {$20000.00} towards my principal balance. As of XX/XX/XXXXXXXX  they still have not located my {$20000.00} payment which was transferred over from XXXX XXXX which is over 70 days or over 100 days from when my payment was cashed from XXXX XXXX. '' After 3.5 months they located the mis-placed $ XXXX principal payment on XX/XX/XXXX that was transferred by my previous servicer XXXX XXXX XXXX 

They wired the $ XXXX to my new servicer/XXXXXXXX on XX/XX/XXXX. Wire Ref. # XXXX However Shellpoint did not send my new servicer XXXX documentation and updated loan balance/history as the $ XXXX principal payment should have been applied on XX/XX/XXXX and my balance and regular interest/principal payments to Shellpoint should have been updated for my XXXX, XXXX and XXXX payments when they still serviced the loan. 

Currently Shellpoint is documenting to XXXX my $ XXXX principal payment was made on XX/XX/XXXX.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Thursday starting @ XXXX XXXX  PST attempted sign in on transunion web page after repeated failure to sign in, began calling customer service and fraud alert numbers and could not accomplish either Credit Freeze of Fraud Alert.. Robot answering system consistently disconnected after collecting @ XXXX minutes of personal data each attempt ( XXXX attempts ) spent XXXX hour XXXX minutes Friday starting @ XXXXXXXX XXXX PST, attempted to again to activate Credit Freeze and Fraud Alert. Again stymied by Customer Service robot again hanging up after acquiring personal data ( SS #, home address, cell #, full name, questioned about my prior addresses, names, phone numbers ) then disconnected when asked if they could call me back. 

Finally was able to get Transunion robot to set up a call back, again after going through asking all above personal data and questions. This was another XXXX hour XXXX minutes of frustration. 

I received a call back XXXX minutes later and successfully ( hopefully, because I have no proof or confirmation from Transunion ) obtained Credit Freeze and filed the Fraud Alert. 

I spent XXXX minutes getting Credit Freeze and Fraud report with XXXX. 

I spent XXXX minutes obtaining same with XXXX. 

Transunion frustrated and scared me because I though my identity had already been stolen and my personal info changed. Since it was accomplished by phone, their system is a disservice to the people whose information they market.
Consumer complaint received 2024-08-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (FL)

In XXXX or XX/XX/XXXX I received via mail from Ally Financial Inc two ( 2 ) 1099C 's. One for me and one for my late husband ( he passed away on XX/XX/XXXX ) in the amounts of {$38000.00}. 

For days I attempted to make contact via phone with someone at Ally about this 1099c debt. I finally spoke with someone there who suggested that I mail a certified letter requesting validation of the account as it did not include a debt description, it was dated as identifiable on XX/XX/XXXX ( for which I was certain we had not debt ) and identifiable letter was " XXXX '' - Decision or policy to discontinue collection - however we had no collections, and the " fair market value '' of the property was left blank. 

I mailed the certified letter on XX/XX/XXXX, indicating the essence of time, as I had to file taxes and they had reported to IRS. I received a response from Ally dated XX/XX/XXXX - saying they received my letter regarding an " auto '' account, they would research and return a response. 

On XXXX XXXX I received another letter from Ally, stating that XXXX and/or I entered into two vehicle contracts on XX/XX/XXXX with XXXX XXXX XXXX XXXX for which copies were enclosed ( they were not ) and at a later date the contracts were assigned to Ally Bank. The letter also stated a copy of " How we calculated your surplus or deficiency '' ( copies were not enclosed either ). This same letter goes on to say that they ceased collection activities on XX/XX/XXXX & XXXX, XXXX -however we had no collections. 

On XX/XX/XXXX I corresponded with XXXX at Ally via email. I told XXXX that I had no recollection of this being that it was 16 years ago, to kindly forward to me a copy of the signed contracts, a copy of the bill of sale indicating this deficiency debt and any attempt to collect these debts, as I have no records of any of this. 

On XX/XX/XXXX XXXX responded to my email stating they had received my concern acknowledging my Ally auto account and that she would do research and respond. 
I immediately responded to XXXX letting her know that I in no way was acknowledging this debt to be mine or my husbands. 

XXXX XXXX called me via telephone. She continuously stated that she acknowledges and sensed my frustration, however due to the date of the debt and the time that had passed they had no records they could provide me with.Therefore, no signed contract, no bill of sale, no attempted collections. But yet they submitted to IRS a 1099c for both of us that holds us liable for an IRS debt. 

If they have no records they can provide me with, then where are they getting this information that we owe this debt? I do not understand how we can be liable for a debt for which there is no record.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is not reporting. Resolve it. I don't recall this DATE OF BIRTH being correct. Resolve it. CURRENT ADDRESS is not reporting correctly. I need action to be taken to fix the reported issue. PREVIOUS ADDRESS is not reportng correctly. It needs to be resolved quickly. I don't recall this employee being correct, The date should be 100 pecent correct and complete. ACCOUNTS : XXXX XXXX  XXXX IS INACCURATE IT DOES NOT MATCH 100 PERCENT WITH OTHER BUREAU REPORTS. INVESTIGATE AND DELETE. XXXX XXXX XXXXXXXX TRADELINE is INCORRECT. According to ftc says you must investigate. In compliance with 611 of the ( FCRA ), which requires bureaus to investigate. I sincerely appreciate your consideration of this isssue and the careful work you put into settling conflcits like this one. I'm looking forward to hearing from you as soon as possible and seeing this these errors corrected.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (CO)

I recently accepted a job offer. Sterling Check Corp was hired by the employer to complete a background check. Sterling Reported a XXXX history that had been expunged and sealed under XXXX XXXX XXXX clean slate laws. When confronted where they got the information they claimed it was on the Court website which would be inaccurate as I have proof those records were removed at the time the expungement was granted in XXXX. Additionally I confirmed this morning there are no records in the XXXX court system. Additionally I recently successfully completed a XXXX security clearance background investigation which would not have been successful if those records existed. Sterling 's gross negligence, unethical behavior and failure to comply with XXXX law and FCRA have now cost me a job offer and caused significant financial hardship.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account XXXX : XXXX XXXX / XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX Account Number : XXXX XXXX / XXXX Equifax XXXX Account XXXX : XXXX XXXX / XXXX Equifax XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Account Number : XXXX XXXX XXXX XXXX Equifax XXXX XXXX Account Number : XXXX XXXX / XXXX Equifax
Consumer complaint received 2024-09-04
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (CA)

I entered into and completed a three-year lease with Acura financial services XXXX The payment payments were never late. My lease was in my name and was in good standing. Due to multiple technical issues with the car, it was in the shop 87 times during the XXXX lease and was a Lemon. At the end of the lease, I had no choice, but to hire an attorney to represent me in the Lemon Law case. The case is currently in court. I completed my lease. I paid off the residual at the end and returned the car to XXXX with no issues. XXXX XXXX later the lease information disappeared from my credit reports with no explanation. I called XXXX and asked for some information and they referred me to my attorney and said that they couldnt speak to me. My credit score dropped as a result of this and it damaged my credit score. Aside from the fact that the car was a Lemon and is in court, theres no other reason for them to have done this. Every payment was made on time no negative marks were on the account, and it was paid in full. It would seem as though it was done in spite.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Citi bank has closed my checking account. I deposited two checks into that account that belonged to a friend. She was paying me a debt with those checks. They sent a letter saying that they were going to send me a check with the money in the account, but it's been 90 days and they haven't sent any money. Citi bank says that the checks were not in my name, that they were in my friend 's name. I need my money because they deducted the money from her account, meaning that Citi bank has the money.
Consumer complaint received 2024-07-29
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: Experian Information Solutions Inc. (FL)

The bankruptcy in question was voluntarily dismissed by the court, as evidenced by the attached court order. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a credit report is accurate and complete. Reporting a dismissed bankruptcy does not accurately reflect my current credit status and is effectively equivalent to no bankruptcy at all. 

I have contacted Experian multiple times, providing them with the court order dismissing the bankruptcy. However, Experian has refused to remove the dismissed bankruptcy, insisting that it will remain on my report as " dismissed. '' This continued reporting is unjustly damaging my credit score and financial opportunities, misrepresenting my creditworthiness, and leading to higher interest rates and denied credit applications. 

Attachments : 1- Copy of the court order dismissing the bankruptcy.

2- Copies of correspondence with Experian regarding this dispute.

Requested Resolution : I am seeking the CFPB 's assistance in ensuring that Experian complies with the FCRA by removing the inaccurately reported dismissed bankruptcy from my credit report. I request that the CFPB investigate this matter and take appropriate action to ensure that my credit report accurately reflects my financial history. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and keep me informed of any actions taken.
Consumer complaint received 2024-05-28
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: Experian Information Solutions Inc. (FL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (MI)

I am filing this complaint against XXXX, XXXX, and C.L.U.E . Auto for reporting incorrect information on my consumer report. The only employment information that should be reflected on my report is my employment with XXXX XXXX and The XXXX XXXX. Any other information that appears on my report is inaccurate and must be immediately deleted. 

Legal Basis : 1. Michigan Consumer Protection Act ( MCPA ), MCL 445.901 et seq.

Under the Michigan Consumer Protection Act ( MCL 445.903 ), it is prohibited to : ( s ) Fail to reveal a material fact, the omission of which tends to mislead or deceive the consumer, and which fact could not reasonably be known by the consumer.

By reporting incorrect information on my consumer report, Innovis, LexisNexis, and C.L.U.E . Auto are misleading and deceiving both consumers and third parties regarding my creditworthiness and personal information.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The Fair Credit Reporting Act mandates the accuracy of consumer reports and sets forth the rights of consumers to dispute and correct inaccurate information. Relevant sections include : 15 U.S.C. 1681i ( a ) This section requires consumer reporting agencies to investigate disputed information in a consumers file. I have disputed the information on my consumer report, and the agencies have failed to correct or delete the incorrect entries.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. By including erroneous details on my report, XXXX, XXXX, and C.L.U.E . Auto have violated this section.

3. Michigan Collection Practices Act ( MCPA ), MCL 339.901 et seq.

Under the Michigan Collection Practices Act, it is unlawful to provide inaccurate or misleading information to a credit reporting agency : MCL 339.915 ( e ) Prohibits a person from furnishing false or misleading information concerning the creditworthiness, credit standing, or credit capacity of a consumer to a credit reporting agency.

4. Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) The Federal Trade Commission Act prohibits unfair or deceptive acts or practices in or affecting commerce. Reporting incorrect information on my consumer report constitutes an unfair and deceptive practice under this act.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX  XXXX
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY (CA)

I filed CFPB complaint XXXX. The company responded but provided inaccurate information. 

" Concerns were raised about a recent denial of your request to assume the loan. '' I did not request to assume the loan. I was trying to find out the steps required to assume the loan, so I could be prepared when I want to assume the loan. 

" We confirmed the loan is not assumable as its term is greater than 30 years. Please note, this is a Wells Fargo guideline. '' Wells Fargo was not in a position to confirm that the loan is assumable or not, because Wells Fargo does not own the loan and did not own the loan at the time the question was asked and the response given. As it states later in the later, XXXX mortgage is now the servicer. Over the phone, Wells Fargo confirmed that servicers have different guidelines and Wells Fargo 's guidelines may be different than XXXX. Therefore only XXXX can say if the loan is assumable ( or not ). Furthermore, Wells Fargo confirmed that this is only a wells Fargo guideline, not a XXXX  guideline or a XXXX XXXX guideline ( XXXX XXXX owns the loan and makes the guideline. ) XXXX XXXX has confirmed that the loan is assumable.
Consumer complaint received 2024-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TN)

Reviewing my credit report on XX/XX/year> I begin to notice that there is an inaccurate collection account that is currently being report. I have reached out to the creditor and the credit bureau requesting an investigation. I only received that this account has been verified. However, I requested the information on how did they verified this account and did they send you guys an sign contract regarding this account and who did they speak with, how did they verify the accounts because past due bill statements is not accurate. I yet have not received any accurate verification regarding these accounts. I requested all this information on XX/XX/year> yet have not received any documentation of this required information. As of XX/XX/year> these accounts are still being reported on my credit report as of today. I still do no believe that this accounts belong to me nor do I believe that the creditor have the correct authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect my credit report. I am requesting that you will get the 3 credit bureaus XXXX, XXXX or XXXX to delete these accounts until they can provide the accurate documentation that I have requested that shows that this account is mines. I need the contract, signature, and the Id that should have been requested and provide