davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Stellantis Financial Services US Corp. (NV)

Stellantis, did not do their due diligence, I the consumer requested a XXXX XXXX. Please provide me with the name of that individual, their business address, and telephone number. This law is very clear to civil liability and the remedy available to me for me for negligent. Section 617. If you fail to comply with this federal law. I am a litigious consumer and fully intend on pursuing litigation in this manner. To enforce my rights under the FCRA. I demand this account to be verified or deleted immediately.
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (TX)

Equifax has violated my consumer rights. They have willfully violated by recklessly and knowingly caused harm to me I disputed ATTORNEY GENERAL ACCOUNT {$52000.00}. They deleted this according to complaint Id XXXX on XX/XX/2024. This item was an erroneous account showing as a credit account which I never applied or gave consent for and was a violation of 15 USC 1681b and 15 USC 1681c-1,15 USC 1682c-2 The information has now been reported again as of XX/XX/2024, Violating my Consumer rights under 15 USC 1681s-2a1a reporting information with actual knowledge of errors - 15 U.S. Code 1681e ( b ) reads " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is also harm due to trespass against my rights, Interrupting the flow of commerce, and a Violation against my unalienable right to the pursuit of happiness since it has prevented me from improving my circumstances by being a homeowner I will be seeking litigation in accordance to 15 USC 1681n and 15 USC 1681o in monetary compensation for $ XXXX and the permanent removal of this error. 

I have hired a consumer protection lawyer with the intent to file a lawsuit immediately For actual damages, punitive damages, statutory damages and emotional damage
Consumer complaint received 2023-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (LA)

I have been incarcerated from XX/XX/XXXX until XX/XX/XXXX. 
During this time I was having funds deposited into my checking account from my unemployment qqed access to my account and transferred all of the funds from my account to theirs leaving a trail with their name and dates and time. 
The bank decided there was nothing wrong with what had occurred and decided not to give me back my money although my money is insured and that's why it is insured so that when somebody steals my identity and steals my money, I get it back. 
They did however refund me debits that were legitimately my doing totally {$100.00} out of {$5600.00} worth of money that was stolen. I just want what's right and that is for my money to be returned to me that is why I keep it in the bank, that is why it is insured, and it definitely should have come back to me. 
I have all of the documents proving that I was not knowledgeable to any of this and I have the proof of the person who took the money and transferred it to themselves all documented. 
I have attached copies of the transactions where XXXX XXXX XXXX transferred the money from my account to his account and things were bought online it's all there I have also attached a letter from the facility that I was housed at from XX/XX/XXXX until XX/XX/XXXX all the transactions happen within the time that I was XXXX. 
I, at no time, gave my permission to XXXX XXXX or anyone else, to transfer any funds from my account to his, nor did I give consent for him to purchase items and or services via the internet. He gained access to my account through personal paperwork I left at his home and via a computer that I was in the process of purchasing prior to my XXXX. I did not know that I was going to be arrested I would never have left sensitive documents on a computer that someone else could gain access to my account
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MO)

I have explained my financial situation and they continue to harass me constantly at all hours of the day. I have been paying them weekly trying to get my account back in good standing with them and hopefully stop the phone calls but the late fees, overdraft fees, and interest are making it impossible. I am almost to the point of just giving up, if they are going to harass me no matter what I do, I have better things I can put this money towards.
Consumer complaint received 2023-12-19
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. (NJ)

Someone has been trying to apply for credit using my name. The following Credit Inquiries are NOT mine nor did I ever consent or authorize any of these companies to pull my credit : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I have repeatedly informed Experian that I have NEVER lived at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, Experian continues to list this inaccurate address. Again, I have NEVER lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX
Consumer complaint received 2018-07-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (MD)

I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$120.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company didn't respond to my first letter or did I receive any viable document bearing my signature. I sent them a 2nd letter on XX/XX/18 continuing to dispute the derogatory item on my credit profile, this letter was received via certified mail by them on XX/XX/2018, this company responsed to my 2nd letter with a document that looks like a bill, and no other document was provided bearing my signature stating I have a contractual agreement with them. They continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company continue to break the law by falsely reporting derogatory item on my credit profile. This is illegal and unethical.
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (NY)

I had 2 -3 disputes over the months with XXXX XXXX and Equifax for inaccurate accounts and yet nothing was done it was updated and verified with the same inaccurate info. nothing was being done and yes I had reported this issue to the CFPB and nothing was done. now I have sent letters to all the creditors on XXXX I will upload my proof
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

TO WHOM THIS MAY CONCERN, I AM A VICTIM OF ID THEFT ; THOSE ACCOUNTS ARE NOT MINE XXXX XXXX XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$2500.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX FOR {$130.00} XXXX XXXX XXXX ) ( XXXX XXXXXXXX XXXX XXXX FOR {$2800.00} OPENED XX/XX/XXXX ) ( XXXX XXXX  XXXX XXXX FOR {$120.00} OPENED XX/XX/XXXX ) ( XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) You are violating my rights! by reporting these accounts on my report I request that you provide evidence.

to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I am giving you 30 days to investigate the matter and determine, whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2018-10-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (IL)

I have been getting calls from Harris and Harris for years now. I do not owe a debt that is now or has ever been owned by a Harris and Harris. I tried to contact them going back 3 or 4 years ago and explain whatever they are collecting is incorrect and not anyone at my number. I never get a person and can only leave messages. I try to leave messages every few months, but nothing changes. They still call every day around XXXX, again sometime in the XXXX XXXX and often again around XXXX. Every day. It hasnt stopped in almost 5 years. Its getting exhausting.
Consumer complaint received 2023-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (CA)

I checked my credit score months ago and saw Amsher collections and reported it on XXXX. And attach an online police report. Now I checked my credit report and it says Amsher collection Serv for XXXX has an amount of {$2300.00} in collections. Would like to report identity theft because I do not recognize this transaction. ( XX/XX/23 )
Consumer complaint received 2024-04-12
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX account # XXXX opened XX/XX/2023 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2018-10-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi and Good Evening....I'm writing you guys again, because i been going back and forth with XXXX XXXX XXXX in regards to alleged debt that they bought from Capital One. We had a scheduled court date this month and they were no call and no show. I was unable to challenge the validity of this debt and there was a motion entered to withdraw this debt. I've challenged for the company several times to show me the entire proof of this debt and went to the court as it was scheduled but they never showed up.

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand a total deletion of this account from my credit report. Their absent on the scheduled court date cost my family money because I had to take the whole day off from work. Please remove this account from my credit file.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: M&T BANK CORPORATION (MD)

M & T bank emailed be and said I would be receiving my new debit card in the mail, I received it to today and called the bank to tell them I didn't not open and account or request a debit card. When I first received the email, I reported it as phishing. 

The bank said it was opened in my name, with my ss # and correct address, they removed to debit/acct.
Consumer complaint received 2023-12-19
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. (PA)

On XX/XX/ and XX/XX/ I send out dispute letter to Experian, XXXX and XXXX to validate this information XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX they failed to provide me with copy of any viable evidence and bearing signature which is a violation of the FCRA. I have the USPS tracking to prove that they received previous dispute letters but did not respond I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Consumer complaint received 2023-11-27
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: EQUIFAX, INC. (TX)

I'll attach my identity theft victim affidavit from the IRS and my identity theft report from the FTC to this form. Multiple accounts compromised. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX And any other inquiry between XX/XX/XXXX to XXXX of XXXX.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My social is showing incorrect on my file I just submitted another dispute I need them to correct all matters plus its been well over 30 days for the last dispute previously please help asap this is ridiculous I have sent them copies of my actual social as well still no help.
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Dear Sir/Madam, I am writing this letter to file a formal complaint against the three major credit reporting bureaus, TransUnion, XXXX, and XXXX, XXXX their failure to comply with my requests for the deletion of negative unverified items on my credit report. I have experienced significant difficulties as a result of the inaccurate reporting by these bureaus, which has affected my access to personal and business credit, employment opportunities, home buying, and rental applications. This conduct is in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681g, and I am seeking resolution for the removal of ALL negative items from my credit report.

I have made multiple attempts to rectify the issue by formally requesting verification of the negative accounts from TransUnion, XXXX, and XXXX through written correspondences sent on XX/XX/2023, and XX/XX/2023. Regrettably, I did not receive the verification I requested, nor did any of the credit reporting bureaus delete the negative items as per my request. Instead, I have noticed negative unverified updates to my credit report, compounding the impact on my financial wellbeing. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act, and I am entitled to receive disclosure of all documents used in the verification process of the negative accounts. However, despite clearly stating my rights and demanding access to the verification information, all three credit reporting bureaus have refused to comply with my requests for disclosure. 

The repercussions of this failure to comply have been severe, affecting both my quality of life and my mental and physical health. I have been denied access to essential financial resources, employment opportunities, and housing options due to inaccurate reporting on my credit profile. 

Therefore, I kindly request that the Consumer Financial Protection Bureau promptly investigate my complaint and take appropriate action to ensure that TransUnion, XXXX, and XXXX delete all negative unverified accounts from my credit report. I expect a resolution that aligns with my rights as a consumer and in accordance with the Fair Credit Reporting Act.

I have attached copies of the correspondences I sent to each credit reporting bureau for your reference. Additionally, please find enclosed any supporting documentation that may aid in your investigation.

I sincerely appreciate your attention to this matter and your efforts to protect consumers ' rights. I eagerly await your response and hope for a prompt resolution to this issue. 

Thank you for your time and consideration. 

Sincerely,
Consumer complaint received 2023-07-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC. (MO)

Called looking for a individual that does not have access to the phone number they are calling. Afni has been advised on multiple phone calls this is a wrong number and they continue to call. I have received to date 4 calls from afni and each call I have asked them to remove my number they disregard and continue to harass and call.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MN)

I have requested a copy of my consumer report from LexisNexis and received a response that they are unable to process my request. They don't provide any information regarding how to fix the issue other than stating that additional documentation can assist in authenticating my identity, however is NOT required for a consumer to request their file. I provided additional documentation as suggested, however the response I received was the same form letter as what I received the first time with no information regarding why my request could not be processed. The Consumer Number on the letter is XXXX and the XXXX XXXX is XXXX.
Consumer complaint received 2023-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MI)

Hello, On the XX/XX/2023, I ( XXXX XXXX ) my daughter ( XXXX XXXX ) who is the XXXX XXXX in Kentucky, XXXX. Borrowed and Sent my mortgage lender with is Shellpoint Mortgage to cover my mortgage. 

She sent {$2300.00} to Shellpoint. Which the information being used was sent to me via email by XXXX XXXX XXXX. ( Loss Mitigation XXXX XXXX ) On XX/XX/2023, XXXX XXXX called me ( XXXX ) and I inform her about the sent money. 5 days later, XXXX XXXX emailed me. Saying Shellpoint Mortgage has not yet receive the money my daughter XXXX XXXX XXXX sent with I have prove from my daughter bank. 

On that very day. I was informed by XXXX XXXX via email, that if they don't receive the funds in 3 days. Shellpoint Mortgage will return the grant HUB gave me back to the State. 

We couldn't afford {$25.00} been sent back, so my daughter went to her bank again, sent Shellpoint {$3800.00}. This time around in 2 days with the same account details, they received it. But shellpoint mortgage insisted that they never received the first {$2300.00} she sent. I have attached all the evidence that the first money was sent. 

Thank You XXXX XXXX
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

I had a car loan with XXXX bank that I paid off completely due to an accident. Santander bank is reporting to the credit bureau that my account is a charge off account and that is incorrect. I have contacted both the credit bureau and santander bank and this has not been corrected. I received this loan around XXXX. When I called santander bank I was told that since my account went 90 days past due that the bank considered the account charged off despite the fact that I brought the account back into good standing and was making monthly regular payments on time.
Consumer complaint received 2015-08-12
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (PA)

last year I filed a complaint concerning Nation Star Mortgage and documents they stated they never got ( cfpb case number XXXX. I was directed that they got the {$50.00} assumption fee but not required documents. I faxed them on XX/XX/2015 at XXXX, exactly what they needed. I got a credit pull and then a letter from research dated XX/XX/2015 Ref number XXXX. That was it never did anything and all I want to do is assume this debt. They had a freedom mortgage call for a refi/assumption but after today I found out that I was lied to.