davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (FL)

NewRez ( Shellpoint loan servicing ) recently took over servicing my HELOC. I made a large principal payment XXXX weeks ago. They have taken the money but not applied it to my account. It shows in my account as unapplied and has for weeks. I've used their online communication tools with no response, I've called and was told they would handle it, and a week later, nothing has been done. I've talked to the mortgage brokers who reached out to them and were told it would be resolved in a day, and it still isn't. It's like no one works there. 

I would like to pay it off so no longer incur the interest until I need it but the customer support agent I spoke with said it would be best if I didn't until the current unapplied principal payment issue was resolved. Issue is at this point I have no faith they will resolve the issue after ignored messages and broken promises to both me and the services support team at the mortgage broker.
Consumer complaint received 2024-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA (UT)

SECOND ATTEMPT. 

Apple, Per card agreement I am presenting my negotiable instrument with tender of payment attached to this CFPB complaint to return account balance back to XXXX  all credit reporting immediately removed. This notice creates a legal contract ( Black laws demand ) to have this completed within the next 10 days. Thank you. refusal of payment requires a {$10000.00} fine and or additional violations will be requested on the following violations under law : 15 U.S. Code 1692 - Congressional findings and declaration of purpose 15 U.S. Code 1666d - Treatment of credit balances 18 USC 8 Obligation or other security of the United States defined 15 U.S. Code 1692j - Furnishing certain deceptive forms 18 U.S. Code 1961 - Definitions 18 USC 914 Creditors of the United States 18 USC 1341 Frauds and swindles
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i am writing to demand consumer reporting agencies recuse themselves from further violations dealing with XXXX XXXX XXXX XXXX. They have violated several laws many state and federal felonies. any continued reporting will be considered adverse action on behalf of consumer reporting agencies. These adverse actions will be including but not limited to extortion, racketeering, identity theft, mail fraud, wire fraud, invasion of privacy, deceptive practice, misleading representations and many more. if ay attempt to validate the debt is done it must be done under 15 usc 1681i5 and i would like all information on who is spoken to time and date how they have information on the account it if is first hand knowledge. i would also like to remind consumer reporting agencies that transactions and experiences are to be excluded from consumer reports per 15 usc 1681a2Ai. i have rejeted consent of any reporting of these transactions and experiences and expect the law to be followed. any consumer reporting agency that is not interested in co defending against the several violation of 15 usc 1681a 15 usc 1681b 15 usc 1681i 15 usc 1681j 15 usc 1681 s2b 15 usc 1681n 15 usc 6801 15 usc 6802 15 usc 6821 15 usc 6823 18 usc 1341 18 usc 1343 18 usc 1344 18 usc 1028 shall delete an account of XXXX XXXX promptly and rapid rescore. i would also like to add the XXXX XXXX is an unregistered business and reporting information from them is an federal offense and a violation of 15 usc 1681b. Attached is a copy of the unregistered business admitting to violating federal and state law and my privacy rights. any further reporting will be considered willful non compliance
Consumer complaint received 2024-07-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Mercedes Benz Financial Services (CA)

Formal Complaint Against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States I am writing to formally lodge a complaint against XXXX XXXXXXXX XXXX XXXX XXXXXXXX regarding multiple issues I have encountered since purchasing my vehicle. 

My concerns are as follows : 1. Deceptive Sales Tactics Regarding Clear Coat : Upon purchasing the vehicle, I was informed that a {$1500.00} clear coat application was necessary for protection against environmental elements. I was told that this charge could not be removed from my contract, despite the dealership being able to do so. This misleading information and the imposition of the charge is completely unacceptable! 

2. Misrepresentation of Warranty Details : I was provided with inaccurate information about a secondary extended warranty coverage. {$2000.00}. The dealerships representations about the duration and scope of the warranty were not as described, and the vehicle already came with a certified pre-owned warranty for a year, which was clearly deceptively communicated to me. 

3. Failure to Provide a Physical Contract : Despite multiple requests, the dealership was reluctant to provide me with a physical copy of the contract. Obtaining this document was an unnecessary struggle.

4. Inadequate Service and Support : I have visited the dealership numerous times seeking assistance with these issues. On each visit, I either received no help from management or was told that the necessary personnel were unavailable.

5. Ineffective Customer Support : I have contacted customer support over 20 times, with my calls being transferred between various representatives who failed to assist me effectively. I was also promised callbacks from management and assurances that they would contact the dealership on my behalf and call me back to resolve any issues, but these promises were not fulfilled.

6. Failure to Honor Refund Promise : The dealership initially claimed they would remove unauthorized or deceptive extra charges and issue a refund. However, this promise has yet to be fulfilled. I have been waiting for months for the refund, or just any type of response/ resolution which has yet to be addressed.

7. Adverse Impact on Credit : The prolonged delay in receiving the refund and the ongoing issues have been very frustrating and have adversely affected my credit. The lack of resolution and support has significantly contributed to this problem.

Given these issues, I am requesting the CFPBs assistance in resolving this matter. I hope to find a resolution to the problems outlined and receive appropriate compensation for the discrepancies and lack of service I have experienced. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Loqbox US Inc (FL)

LOQBOX FINANCE LLC XXXX A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b. This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.

Your also in violation of 15 us code 1601 ( a ) which is causing XXXX XXXX  and 12 CFR 1026.13
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

On XX/XX/year> XXXX notified me of a 30 day late with Randolph Book Fed Credit union. However, not only are all of my accounts are set on Auto Pay, I also paid {$1500.00} on a {$2000.00} balance to show my Credit Worthiness. I contacted the merchant to find out what happened and it was a data error that was suppose to be fixed by the merchant and communicated to XXXX per my conversation with the merchant that in fact refunded the late fee due to the inconvenience. I sent a letter to XXXX on XX/XX/XXXX after speaking to the merchant several times however, I have not received any mail correspondence from XXXX or the merchant with the explanation or investigation results. XXXX instead, updated the dispute results to investigation complete, reported by furnisher after the investigation time frame that is well over 30 days. I have been a customer with this merchant for over 4 years with exceptional credit history, never been late once. Experian status was updated XX/XX/year> however, I was notified in writing of the investigation or any information from the merchant via mail. Please help assist me with this matter of the 30 day late that was in fact never late and paid on time with Randolph Book Fed Credit union. Thank you for your prompt response.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A payment was made to payment XXXX  in XX/XX/2022 for {$1400.00} for payment in full. I have a copy of the cleared check. The account still appears on my credit as unpaid. I have made several calls and filed disputes with the bureaus to which they reply it is unpaid. I have sent copies and they still refuse to remove this account. Clearly a violation of the FCRA, not to mention the attempts to collect on a debt paid 2 years ago. I would like this completely removed from my credit as it now has caused issues with my score and prevented me from obtaining other new lines of credit and as a young professional now is the time for me to be building my credit
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have called multiple times and talked to multiple higher ranks. I've been given numerous different uncorrelating answers for the hold up, with the last supervisor stating the reason for the hold on the IRS issue check was because there was no bar code on the check. I verified with the IRS there are no barcodes on checks, only QR codes, which this one does have. Other supervisors would tell me they can't give me a reason, only that it's an internal issue.
Consumer complaint received 2024-01-27
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

I initiated a dispute for two in accurate information of my credit report with two counts. 

XXXX XXXX XXXX This account is not past due and has been paid up to date. They updated after my request to show XXXX from XXXX XXXX  reported this and it should be deleted off my credit report. 
XXXX XXXX Also reported as a charge off account when it's been paid off and ok times. This was worked and agreeed, I requested a copy of the contract signed by myself and was not given to me. This should also be deleted off my credit report
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to request the removal of certain addresses and phone numbers from my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) and specifically referenced in 15 U.S.C 1681c. 
I contacted XXXX, XXXX, and TransUnion and has had no help with the removal of the following items that I have identified. Several addresses and phone numbers which are either outdated or no longer relevant to my current circumstances. The presence of these outdated addresses and phone numbers may potentially impact my privacy and confidentiality as protected under the FCRA. 

The following outdated addresses and phone numbers should be removed from my credit report : Addresses : XXXX. XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX and XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : Current Address ) XXXX. XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) Phone Numbers : 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 I believe that the presence of these obsolete addresses and phone numbers does not serve any legitimate purpose and may lead to potential confusion or unauthorized use. 

I kindly request that these outdated addresses and phone numbers be promptly removed from my credit report, and that any future consumer reports issued by your agency do not include this information. 

I appreciate your attention to this matter and the timely handling of my request. Please provide written confirmation once the requested removal has been completed. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

I filed for bankruptcy in 2020 because of my vehicle only which my attorney and the court was aware. Pennymac stopped reporting my loan details to the credit reporting agencies and claims my mortgage was part of the bankruptcy which it was not. I tried to resolve the issue with the lender and credit agencies. The lender replied to all agencies and keeps telling them the information theyve been reporting is accurate even though its not since the loan is active and current.
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (UT)

victoria secret - XXXX {$390.00} charged off sold to another collector date of last missed payment XX/XX/year> I am writing to formally request the removal of obsolete information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ). The information in question pertains to an account that has been reported as in collection and has exceeded the seven-year reporting period. Additionally, this account has been sold to another collection agency.

The details of the account are as follows : victoria secret - XXXX {$390.00} charged off sold to another collector date of last missed payment 7/2018 According to Section 605 ( a ) of the FCRA, accounts placed for collection or charged to profit and loss should not be reported after seven years from the date of the first delinquency. As this account exceeds the seven-year period, it must be removed from my credit report immediately.
Consumer complaint received 2024-07-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TX)

I was XXXX  in XXXX XXXX for 6 month from the first of XX/XX/year> to XX/XX/year>, when I came back XXXX XXXX  and speedy cash contact me to pay the loan that was fraudulently taken out with my information while I was away in XX/XX/XXXX and XXXX. 
XXXX : Settle your account for only {$1700.00}. Pay now and become eligible for consideration of a new loan. Call XXXX. 
Speedy cash contacted me for {$2500.00} that I didnt know about.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/2023 I sent a dispute CERTIFIED MAIL. It shows you have received it yet you have not provided me any results nor removed the items requested. Im preparing my legal case and these accounts MUST BE REMOVED due to violating my FCRA and consumer laws of no response and stalling on removals. XXXXXXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. 

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request. 

Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. 

I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. 

I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate.
Consumer complaint received 2024-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This collection agency placed this on my credit report and they have never sent a bill to me, reached out to me or responded to any of my requests that I have this account. No proof. I asked the credit bureau to remove it and have told them for over 2 years this account is NOT mine and I have no knowledge of it and no one from the credit bureaus to the collection agency will show me the validation of this account.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc. (CA)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.