davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (FL)

This makes the 3rd attempt to resolve this is issue with no satisfactory results. I thought by requesting to closed the account would resolve the issue but I'm still getting a statement saying that I owe for charges they I didn't make. I requested that they stop reporting this on my credit report and I was told that wasn't possible and it has been reflected negative on my credit report!
Consumer complaint received 2023-06-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I filed a VA partial claim in XX/XX/2022. I did not know what this was but my mortgage company XXXX XXXX XXXX insisted this was the best route for service member and for me to reduce my monthly payment. 

XXXX sent the partial claim to the VA and requested for XXXX to be paid. The VA sent the claim back to XXXX requesting corrections XX/XX/2022. XXXX responded after numerous complaints I filed with XXXX. They resubmitted the loan to VA XX/XX/2022. 

The VA sent it back again requesting correction to verbiage in the document. This time, XXXX transferred my loan to their partner New Rez. However, New Rez doesnt have a loss mitigation department and referred me to their partner Shellpoint Services . I have been in contact with shllpoint for numerous months trying to get the verbiage corrected so that the VA can pay out on my partial claim. They have instead turned the balance over into a deferrment. 

This is not how the process goes and is hurting my credit tremendously. The company refuses to fix it and I am at a loss. I am PCSing soon and wont be able to find a place because they are reporting my mortgage as a deferment instead of how the VA partial claim is supposed to be paid out and reported as a separate loan. 
Please help. Im at my end with these 3 companies.
Consumer complaint received 2024-07-09
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: Exeter Finance, LLC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (VA)

The whom it may concern, XXXX ( 1 ) On my Payoff statement, dated XX/XX/XXXX their employees could not explain theses amounts to me {$5200.00}, {$2500.00} and {$3800.00}. It seem to me these amounts are repeats. Please provide an itemize sheet of where these figures are being applied to as well as all the collected escrow funds prior to selling my house. XXXX ( 2 ) Since XXXX and ongoing I have all kinds of fees and prices throughout my loan, just to name a few. {$19.00} XXXX XXXX  over phone fees, corporate adv fees, XXXX paid exp fees. and extremely unusual late fees with different prices. Please explain why am I being charged different amount for late fees and etc. Respectfully. XXXX XXXX XXXX. XXXX.
Consumer complaint received 2024-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (FL)

First Credit Services is listed on my credit report as a collection in the amount of {$280.00}. This debt to be collected is reported in accurately. When asked for the original contract to be given none of which was provided in since XXXX  and XXXX.This information of a debt owed by a company that has since harassed and scammed so many people regarding debts not owed. I ask for this inaccurate information be deleted immediately from my credit report.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SOFI TECHNOLOGIES, INC. (FL)

I have already explained my concern in a previous complaint and was stonewalled by the company. I'm done working with them or negotiating. They have violated my rights under the FDCPA and ignored legitimate concerns. They did not disputed the information I provided showing the debt had been transferred and that they did not own the debt anymore. They only stated they were the original creditor. That says nothing but playing dumb by the financial institution. Securitization is governed by trust indenture act of 1939, securities act of 1933, and the securities exchange act of 1934. Their SEC filings explicitly outline they securitized personal loans. This would mean the debt would have to have been transferred to a securitization trust and THEY WOULD NOT BE THE OWNER OF THE DEBT. Yet they ignored my requests for validation of debt under the FDCPA. I'll file a complaint with the SEC as well. I know this doesn't really fall under their jurisdiction but the trust indenture act of 1939 does require transparency to investors and if they aren't complying with other applicable laws concerning the debts being securitized they are offering the SEC might be interested?
Consumer complaint received 2024-06-14
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: SYNCHRONY FINANCIAL (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SYNCB/JCP - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

Please see attachments. 

This creditor goes by so many names : XXXX, which is also XXXX and XXXX XXXX XXXX XXXX XXXX Creditor is confusing consumers. 
Account ending XXXX XXXX Account has been reaged several times over the years- evidence attached. 
Last payment XX/XX/XXXX bank statement attached. 
No payment all of XXXX ; reaging Theres no agreements or even communication between consumer and creditor to reage account. 

Account is inaccurate and incomplete. Different amounts, dates, balances, and activity than other CRAs Also a charge off receiving an IRS 1099C write off a certified letter was sent to XXXXRetail about this previously. 
Also, in collections, so the balance should say XXXX with no activity And account was also paid by the insurance premium in the finance charge This is corporate FRAUD.
Consumer complaint received 2024-07-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (LA)

: To : Transworld Systems Inc. 
Account Number : # XXXX Re : Dispute of Debt and Request for Validation Dear Transworld Systems Inc., This letter is to formally dispute any and all debt you claim I owe. I am requesting written validation of this debt according to my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Please provide the following information within 30 days : A detailed breakdown of the debt, including the original creditor, date incurred, and amount. 
A copy of the purchase agreement between Transworld Systems Inc. and the original creditor.

Verification of your licensing and bonding in accordance with Louisiana statute RS : 47.1676.

Additionally, I revoke all consent for you to communicate with me via email, text message, or phone calls. Please direct all future communication regarding this debt solely through postal mail. 
Be advised that you have violated my rights by : Failing to provide debt validation as required by 12 CFR 1006. ( B ) ( 5 ).

Placing a collection on my credit report without proper disclosures, in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ). 
Using potentially false and misleading representations in your collection attempts. 
I take these violations seriously and will pursue further action if necessary to protect my rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Louisiana XXXX
Consumer complaint received 2019-07-28
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: EQUIFAX, INC. (GA)

Equifax is reporting a XXXX Student Loan that does not belong to me. This account is either reporting in error or as a result of identity theft. I have contacted Equifax several times to dispute this account and I have not gotten any response or results in this matter. Please assist me to get this matter resolved and this account removed from my credit file.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2023, XXXX fraudulent transactions occurred on my USAA savings account ending in XXXX. One for the amount of {$2000.00} and another for the amount of {$3000.00} simultaneously. Admittedly, earlier that morning I received a text message from " USAA '' stating my account was overdrawn. In a panic, I clicked the link to review my account, and unknowingly allowed access to scammers. 

I contacted USAA immediately while the transactions were still pending, notified them of the fraudulent charges, and opened a Fraudulent Activity Claim. Giving the adequate time to not let the charge actually post to my account, and the funds to be withdrawn. 

On XX/XX/2023, after reviewing the claim for 3 business days I received a notice that my claim was denied. 

On XX/XX/2023, I contacted USAA inquiring about the denial. The representative indicated that I was liable for the fraud because I clicked the link on the text message. At that time I asked for the claim to be reviewed again based of my inexperience with these types of scams and unknowingly clicking on the text link.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-21
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. (PR)

Recently, I looked at a copy of my credit report and noticed that several incongruencies and inaccuracies are the account This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: MARINER FINANCE, LLC (FL)

They said I have applied to a secure loan with them but I never have applied for any loans and never have made a payment on the account. I asked them to validate this account by sending me all the information that I need in order to validate and they never did. In addition, they continuously reporting such accounts to the credit bureaus. Specially XXXX that in going agains the law with the charge off accounts. I know my rights that every charge off accounts after written off they should sent me a 1099c I could filled for taxes but they never did.
Consumer complaint received 2023-08-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I viewed my reports and noticed items that weren't mine. I haven't applied for credit with Capital One XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

SYNCB/Amazon is inaccurately and incorrectly reporting information on my credit report. such as the Date of last activity, date reported, date opened, credit limit and last payment date. This is a violation of the FCRA and FDCPA.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (GA)

A company called " NETCREDIT '' is reportign a inaccurate and fradulent past due amount on my credit report. The company has the account status as " '' Charged off ''. The date of last activity is incorrect and the date opened is also reporting inaccurate along with the payment amount. This is a violation of the FCRA and FDCPA.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (GA)

There is a JPMCB reporting on my credit file. I did not know that this account existed until one day I pulled my credit report and noticed that it was showing and I don't recall ever opening this account. Can you please please provide me with proof that this is even my account. Please remember statements is not proof that this account belongs to me. If there was an account opened with my address attached to it, then the only thing that I can make sense is that one of my roommates during that time opened a credit card using my information an I pray that this isn't the case.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (GA)

A complany called " '' Upstart Netw '' is inaccurately reporting information on my credit report which is damaginf my credit and affecting my ability to increase my credit score. this company is reporting inaccurate balances, dates of last activity, dates reported, and last payment status. This is a violation of the FCRA and FDCPA.
Consumer complaint received 2024-06-14
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stearns Ventures, LLC (CA)

I have 1 mortgage account on my credit but 2 are being reported because my loan was transferred which is making my score drop an additional XXXX points from the original XXXX that dropped when I first received my mortgage I attempted to remove one of them because regardless of it was transferred or not there should only be 1 mortgage account on my credit as well and the joint account holder. I feel like these credit bureaus are getting over doing these type of things its unfair to the consumer Ive worked hard to keep my account on track and pay all my bills on time but I keep getting penalized for another companies mistake
Consumer complaint received 2024-06-14
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. (FL)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer