davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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 (WA)

Newrez purchased our home loan from XXXX XXXX XXXX a few months ago. Since then, Newrez has been drafting mortgage payments, as well as sending us monthly statements. I'm trying to manage my loan online w/ Newrez, as well as obtain my 2023 Form 1098 for my tax filing. Newrez website does not recognize my loan number, even though its printed on my statement. All phone numbers on all communications from Newrez are unreachable from my cell. I've called dozens of times and the message always says the call can not be completed as dialed. I've emailed Newrez multiple times asking for help, and I've never received a response. Their main number is XXXX. Their email address is XXXX. I want to make sure my loan is being serviced by a legitimate company.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

I have had a consistent issue with credit reporting agencies. For one XXXX won't allow me to get a free credit report unless I pay their subscription fee I have tried to get one through free credit report.com and it will not allow me to pull one. Also, my XXXX XXXX XXXX account is constantly reported as inaccurate. Just recently after a dispute they have reopened my account on my credit report which is a flagrant violation of the FCRA as they are attempting to re-age/keep the account open longer and change factual information related to the dates. I have submitted a 609 and 611 letters to XXXX and Experian they both ignored the 609 letter requesting sources of information used and to provide those to me. ALSO I submitted a 611 letter just recently demanding they provide me the sources of contact etc used for their investigation Experian no longer lets me submit disputes on the account and tries to prevent me from disputing it at all. The account in question has repeatedly opened and closed the account attempted to re-age and reports incorrect balances on all bureaus resulting in financial hardship resulting in denial of Mortgages loans etc when I would otherwise be able to attain these loans. I understand the account is on their for a reason BUT they flagrantly try to ruin and destroy my credit through shifty and shady means and the credit bureaus illegally are allowing this to happen. Also, I have tried a credit repair companies several to say the least to fix the issue and they flat out told me they will not process disputes because I use a thrid party and they believe the disputes are fraudulent as it is not me. Whereas under the FCRA it is my right to use a third-party credit repair company at my leisure and I am well within my legal right to as well. Please look into and charge/fine the 3 bureaus for failure to follow federal law under the FCRA as they refuse to help consumers and only strive to help creditors ruin and damage a person 's credit report to try and force them to pay a time-barred debt. ALso clarifying that XXXX will not allow me to access a credit report and or allow me to dispute any items except through XXXX XXXX unless I pay their XXXX monthly fee or they have illegally locked me out due to the fact I did use a third party credit repair agent to try and fix items under my behalf such as XXXXXXXX XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I was originally contacted by Transworld Systems Inc. a debt collection agency in XXXX of 2023 informing me that XXXX XXXX submitted a bill for {$460.00} to their agency that I owed. 
In XXXX of 2023 I will still in a dispute process with my credit card company which Is XXXX and their bank is XXXX XXXX for the amount of {$460.00}. I informed Transworld Systems in XXXX of 2023 by certified letter that I was still in the dispute process with my credit card company and if I lose my dispute I will pay the {$460.00} to my credit card company. 

XXXX XXXX should have never sent their charge of {$460.00} to this collection agency before the dispute process was settled with my credit card company. As a result of XXXX XXXX sending the amount of {$460.00} to this collection agency XXXX XXXX is attempting to collect twice on the amount of {$460.00}. 

A XXXX XXXX representative told me that XXXX XXXX was already paid the amount of {$460.00} in XXXX of 2023. If I win my dispute which I definitely should because I provided irrefutable evidence from a third party contractor as XXXX XXXX requested. This XXXX year veteran third party contractor verified that the temperature of my refrigerator remained at 55F and the cooling issue of my refrigerator was not fixed after XXXXXXXX XXXX technician installed a refrigerator compressor in XXXX of 2023. 

The representative told me that if I prevail in this dispute then XXXX XXXX will charge back the amount of {$460.00} from the bank XXXX XXXX. 

The Transworld Collection Agency is attempting to collect the amount of {$460.00} a second time because as I stated I will pay XXXX XXXX the amount of {$460.00} that XXXX XXXX charged for not repairing my refrigerator. I also sent XXXX XXXX a copy of the bill of the new refrigerator I had to buy as a result even though my XXXX refrigerator was only 5 years old.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (GA)

I attempted to open an account with Truist Bank on XX/XX/24 once I submitted the application ( online ) it stated that my account was pending and the next day it stated that it was approved. There was nothing else stated that I needed to do so I assumed that I was just waiting on all my documents to come in the mail. Fast forward to today XX/XX/24 I decided to go inside the actual branch to get my documents so I can set up online banking and give one of my donors ( XXXX ) my account information. I was approached by one of the representative 's who was over the top friendly and patient. He guided me through every necessary step. Upon reviewing my account he mentioned that there was a note on the account that stated it was closed on XX/XX/24 due to fraud. Now I have several issues with this decision because one I have never participated in any type or form of fraud. I have not been to jail for any type of fraud. I am a known motivational speaker on behalf of my 501 ( c ) ( 3 ) non-profit organization. In so many words I have a lot on my plate to lose for participating in any type of negative/illegal activity and would lose my recognition with the IRS as a non-profit. 
I feel as though I have been convicted and indicted of something less than my real character. The agent gave me a XXXX to the fraud department, I sat there and called them to get information on why and what was the reason this account was closed and why nobody ever notified me of this decision. The agent over the phone was not able to give me any information and quickly told me that I will receive a letter in the mail notifying me in details of why the decision was made. So I left the bank to check the XXXX XXXX, XXXX, XXXX and XXXX to make sure I wasn't a victim of fraud. There was nothing there to deny me any type of credit or account. I actually have a relationship with a few banks for a while now with no issues such as : personal loans, car loan, savings, checking, certificate of deposits. Coincidently the letter came today and it mentions nowhere on this letter of why I was denied an account with this bank. I feel as though at this point my character and integrity has been assassinated, humiliated and I am highly offended. I really was interested in building a relationship with this company thinking that they had some kind of integrity. Truist can not continue to break people down mentally that is an insult to people 's intelligence.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Delete Immediately 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX Please Delete Immediately
Consumer complaint received 2024-01-10
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: TOYOTA MOTOR CREDIT CORPORATION (CO)

This is a formal complaint against Toyota Motor Credit Corporation ( TMCC ), pursuant to Consumer Financial Protection Bureau judgement against TMCC ( Case No. XXXX ) and in relation to the difficulties I experienced during the COVID-19 pandemic which have had a significant impact on my financial situation and credit standing. 

During this challenging period, I held a lease agreement with TMCC. As an employee of a non-profit in the education sector facing financial hardship, I sought to explore options for mitigating my financial burden, including the possibility of amending my lease terms by removing services or paying off the lease prematurely. Regrettably, my attempts to communicate with TMCC were met with insurmountable challenges. The customer service infrastructure, notably the phone tree system, proved to be ineffective and unresponsive, often leading to disconnections or cyclical routing without resolution. Despite repeated attempts over an extended period, my efforts to engage with TMCC to address this matter were unsuccessful. 

Ultimately, resigned to the situation, I prepared for the inevitable repossession of the vehicle. The repossession process was conducted without any prior communication or attempt by TMCC to resolve the issue. This incident, which was avoidable, remains the sole blemish on my otherwise unblemished credit record, and is indicative of an anomaly in TMCC 's business practices at the time. 

Furthermore, I have taken steps to rectify the impact of this incident on my credit reports. This includes submitting requests for the removal of this record to XXXX and XXXX, specifically citing the CFPB 's XX/XX/2023 judgement against TMCC for related lending misconduct. Despite these bureaus acknowledgment of my requests, no changes have been made to my credit history or scores, and I have not received any substantive explanation for this inaction. 

This unresolved matter has adversely affected my ability to secure a car loan, despite maintaining a credit score in the mid-700s. It is my contention that the conduct of TMCC, in this case, is not only inconsistent with the expected standards of customer service but also reflective of the practices for which they were recently sanctioned by the CFPB, and should, therefore, be removed.
Consumer complaint received 2022-08-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I had got a car in 2017 from CREDIT ACCEPTANCE CORPOR my car was talking and I had difficulties or financial problems and family problems and I couldnt afford to pay it off but it still open and it got some that I paid on there and they took off and it just a whole bunch of stuff on my credit thats on there thats unreasonable
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022, I sent a letter to Transunion ( USPS tracking # XXXX ) about hard inquires listed on my credit report that I did not approve. Today, XX/XX/2022, I called Transunion and spoke to a man by the name of XXXX XXXX located in XXXX, XXXX. He told me that the items will be there for 2 years. I didn't have this issue with XXXX and XXXX at all. He was giving me a very hard time but, I know my rights. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (TX)

I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me.
Consumer complaint received 2024-01-10
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (TN)

Made an order online from XXXX for {$59.00}. My debit card company is unfortunately Chime. The tracking company was XXXX. So doing some research found out the XXXX is a fraudulent company just by XXXX  their name. All reviews are negative. So then I researched XXXX and found out that nobody had received their orders but at same time they tacking company says your item was delivered but no in reality it never did. I seen online that they send out fake tracking numbers to customers. Then least but not last is Chime. So not getting a refund from XXXX or no contact back from them period then contacting XXXX about where is my package which they say they arent responsible. So I go to chime and dispute my {$59.00} transaction. I have disputed this 3 times so far and only thing they did for me was deny my 3 times in a row and only thing I got for a reason they denied me was they say according to their dispute investigation no error occurred. Understand I sent documentation to chime such as my receipt from XXXX My tracking info from XXXX and reviews from online about XXXX bring scammer. I got no item ever delivered to me I got no refund from chime and or XXXX. Basically my money was stolen from me and didnt get my package that they say was delivered
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I paid my full balance in XX/XX/XXXX and I was charged XXXX $ on a XXXX balance in XXXX. I called they could not fix it or provide any information on why this is the case. I am not paying interest on a XXXX balance. This is stealing money from the customers with deceptive practices and I want them held accountable. I will not pay this and they will continue to add the interest charges a XXXX balance XXXX.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

The 2 late payments on XX/XX/2023 and XX/XX/2023 are inaccurate and I would like to see the documentation other wise it needs to be permanently removed from my credit report and updated to paid on time never late.
Consumer complaint received 2024-01-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The XXXX credit bureaus XXXX, XXXX, XXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy XXXX XXXX XXXX  nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

In XX/XX/XXXX I obtained a home mortgage loan with XXXX XXXX XXXX XXXX ( XXXX  ). A credit report inquiry by XXXX revealed XXXXne derogatory line on my credit report ( Item 29 XXXX : see attached ) that was incorrectly still present in my record despite the fact that this debt was satisfied ( paid off ) and signed off by the County Judge ( Order of dismissal with Prejudice ) one year prior ( XX/XX/XXXX Court Order : see attached ). 
I attempted to dispute and resolve this issue directly with the Credit Reporting Agencies with no success. 
I am about to apply for a new home mortgage loan and before I do that I would like to ensure that this derogatory line-item is permanently removed from my file with all 3 major credit reporting agencies. 
I am reaching out to CFPB to help me solve satisfactorily this issue. 

Thank you. 
XXXX XXXX, Consumer
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have several unauthorized hard inquiries on my credit report from XXXX that need to be removed. These have caused me to not be able to receive the credit that is rightfully mine and that I need to live, therefore this has caused hardship in my life. The credit is rightfully mine to receive, and having been denied MY OWN credit because of my credit score ( namely, because of the score being too low because of these hard inquiries ) is discrimination.