davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated (CA)

Hello, a collection was added to my credit report dated XX/XX/XXXX from XXXX XXXX XXXX. I personally have not had a single account since XXXX which leads me to believe this is identity theft. Tried to file a police report but no success, they denied. Please advise, not able to get vehicle finance because of this problem. 
Thank you
Consumer complaint received 2023-11-13
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. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Dear Consumer, Financial Protection Bureau, I am writing to bring to your attention a matter concerning my credit report and the Fair Credit Reporting Act, specifically Section 609 ( a ) ( 1 ) ( A ). As per this federal law, it is required that Experian verify all accounts posted on a credit report through the physical verification of the original signed consumer contract, they have failed to do so. 

I have previously disputed the XXXX XXXX XXXX  XXXX accounts on multiple occasions, but I have not received proper debt validations for the alleged debts in question from the debt collector. Therefore, I kindly request that you take the necessary steps to delete the following two accounts from my Experian credit profile : 1. XXXX XXXX XXXX  XXXX Account # XXXX XXXX. XXXX XXXX XXXX  XXXX Account # XXXX I trust that you will investigate this matter and take appropriate action in line with the Fair Credit Reporting Act. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (UT)

I originally took this loan out because I fell on hard times and was not able to make anything else work. Since then I have received XXXX XXXX XXXX XXXX and learned about my legal rights and protections regarding loans after XXXX. Since being activated on XXXX XXXX XXXX I have tried multiple times to get into contact with Opploans by emailing them at their provided contact email address XXXX and attaching my XXXX to each email and have not received any response from the company. I have received an automated email response acknowledging they received my XXXX, but that is all I have been able to get from them. I can not log onto their website as I am outside of the US for my XXXX and their site only works within the US. I just want this company to respond to me and comply and comply with SCRA so I can just get this loan paid off and be done with it. I have spoken to JAG and they are also working with me on this case and recommended that I file this complaint.
Consumer complaint received 2024-04-10
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (GA)

Over the past decade, I have consistently been denied when applying for new credit cards issued by Synchrony Bank. On XX/XX/year>, I applied for a new Discount Tire credit card issued by Synchrony Bank. However, on XX/XX/year>, I received a letter from Synchrony Bank stating that my application had been denied. I believe that this is an example of discrimination, which affects the data used by credit scoring models today. 

Synchrony Bank used its credit score model and issued me a score of XXXX. However, the data used in current credit scoring models is not natural ; it is a reflection of past inequalities. By using this data, my new credit application was denied. My credit score with the three main credit bureaus ( XXXX, XXXX, and XXXX ) is well above the credit score issued by Synchrony Bank. 

Synchrony Bank 's credit scoring models amplify existing inequalities today, which has a significant impact on the life chances of XXXX and XXXX consumers. We need to eliminate private credit scoring companies and create a more competitive environment that includes consumers by making a public option available. We already have public entities for services from XXXX XXXX XXXX and XXXX, but something as important as our credit scores should also be publicly available.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

Fraudulent withdrawal from an ATM in North Carolina of {$1000.00} at XXXXXXXX XXXX, with a debit card that I did not know I even had that had been sent to a fraudulent address. Bank refused to block transaction. I'm starting to believe that this is an inside job by an employee of Wells Fargo. Bank is very unhelpful. Will not reverse the charge and give me my money back. I have a negative balance created by this transaction which is fraudulent and my deposits are at risk of being taken by the bank to cover this amount. Customer service representative kept saying I don't know. The banker from my first phone call kept getting upset. This was all recorded at Wells fargo. So they should have a copy of it on the date XX/XX/2024.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX I was robbed for my credit cards information realtor info college degrees certificates breeched and my bank accounts were drained without my knowledge
Consumer complaint received 2023-11-07
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. (GA)

On XX/XX/2023 I reviewed my credit profile from the credit reporting agencies XXXX, XXXX, and Transunion. I found there were Hard inquiries from different companies that I did not authorize for these inquiries to take place.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc. (OH)

I have two inquiries on my XXXX credit report that I DID NOT authorize. 

They are : XXXX XXXX XX/XX/2024 XXXX  XX/XX/2024 I have disputed this with the original creditors and wish for these to be removed from my credit report.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

My credit score dropped XXXX points with the credit bureaus overnight. When I contacted them to find out why, no one could answer beyond " it's based on an algorithim ''. Absolutely nothing has changed on my credit. NOTHING. I was finally told it may be because I do not utilize my credit cards ( I don't carry a balance ) and I no longer have an auto or mortgage. I am supposed to be in debt to bump up my credit. This is unacceptable. If agencies are going to track my information, and have a say so in my application for credit or employment, then they better be able to tell my why I dropped so much. 
This is with all credit agencies, Transunion, XXXX, etc. Fix this, it is causing problems in my life, when all I do is pay my bills, on time, which shows on the report.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-04-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credence Resource Management, LLC (TX)

To Whom It May Concern : REF : Intent to file suit : violation of the FCRA and the FDCPA I have sent XXXX previous letters to you, all via the CFPB portal to ensure proper delivery ( see all previous complaints filed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that this accounts information is invalidated and that you violated the Fair Debt Collections Practices Act by ignoring my requests to investigate this account. My previous letters all sent via the CFPB portal stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX County District Courts for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and the FDCPA and intend to pursue them to the maximum. 


CREDENCE RESOURCES : PLEASE BE ADVISED THAT I WILL NOW ONLY ALLOW YOU 3 BUSINESS DAYS FROM THE DATE OF YOUR RECEIPT TO REMOVE THIS INVALIDATED ACCOUNTS INFORMATION FROM MY PERSONAL CREDIT REPORTS! IN THE EVENT OF CONTINUED NON COMPLIANCE WITH THE LAWS SET FORTH, YOU WILL LEAVE ME NO OTHER ALTERNATIVE BUT TO FILE MY LAW SUIT AGAINST YOU FOR CONTINUING TO KNOWINGLY AND DIRECTLY VIOLATE THE LAWS! 

I AM NOW ALLOWING YOU 1 MORE OPPORTUNITY TO REMOVE THIS ILLEGALLY ACCOUNTS INFORMATION FROM ALL XXXX OF MY PERSONAL CREDIT REPORTS ( XXXX, XXXX, AND XXXX ) I anticipate your response. 



Sincerely, XXXX
Consumer complaint received 2017-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

This is an addendum to the complaint submitted XX/XX/XXXX ... # XXXX. 

Today, XXXX, I received an official Notice of Default in the mail from Shellpoint 's attorney ... XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. 

Shellpoint is in violation of law in the State of California on two counts. 

1. Dual Tracking. I have been going through the loss mitigation options with Shellpoint and sent all the requested documents for a loan modification. I was never given an answer on this by Shellpoint and they were pursuing foreclosure without ever giving an answer. My original request was for forbearance due to financial difficulties and was never given an answer on this either.

2. Violation of Notice of Intent. A letter dated XXXX was received from their attorney saying they were going forward with foreclosure. But they had filed for notice of default on XXXX, filing before they even sent the letter of intent. Plus, they are required to wait 30 days after the Notice of Intent to file the Notice of Default. 

Shellpoint will not even acknowledge receipt of documents they requested of me for a loan modification. In fact, they requested the same documents more than once, even after I complied with the original request. 

Aside from this complaint, I have sent Shellpoint a QWR asking for answers. I am in the process of drafting a complaint with the attorney General of the State of California for violation of California laws.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I looked at my XXXX, Equifax, and XXXX credit report onXX/XX/2024, and still noticed XXXX, Equifax, and XXXX and is reporting incorrect/ inaccurate personal information. I sent letter regarding the inaccurate information. I contacted the companies to update my personal information. I am telling them to update or delete the incorrect personal information. XXXX, Equifax, and XXXX have failed to delete the items from my credit which cause XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. CODE 1681 e ( b ), 15USC 1681S-2 ( A ) & ( B ), and 15 USC 1681 1i ( 5 ) ( a ) ( i ) & ( ii ) these accounts are in violation of not reporting 100 % accurate. Here are the accounts : XXXX. XXXX delete immediately XXXX-delete immediately XXXX XXXX delete immediately XXXX delete immediately XXXX delete immediately XXXX XXXX XXXX delete immediately XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -delete immediately XXXX XXXX XXXX- delete immediately XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - delete immediately XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX  ) delete immediately XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) delete immediately XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) delete immediately I demand that the above accounts be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX  Balance : {$130.00}, XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX Balance : {$65.00}, XXXX XXXX Balance : {$430.00}, XXXX XXXX XXXX  Balance : {$920.00}, XXXX XXXXXXXX Balance : {$890.00}, XXXX XXXX XXXX XXXX : {$380.00}, XXXX XXXX XXXX XXXX : {$10000.00}, XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$220.00}, XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXXXXXX 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
Consumer complaint received 2023-11-13
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)

remove all negative items immediately 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Someone stole my identity at Huntington bank and made multiple purchases with my account. Someone has opened a home mortgage line of credit, and bought a car, in my name. The identity questions on my Ohio state unemployment security section are incorrect because someone has stolen my identity in the state of Ohio.
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

Rushmore Mortgage continuously asks me to provide proof of flood insurance. I have multiple months of letters requesting insurance. Each time I receive one I call and give them the insurance info.Then it is quiet a month or two then they start again. If I could refinance with another company at the same interest, I would. I am trapped with them. 

As of XX/XX/XXXX, they purchased flood insurance on my behalf. My flood insurance is paid through my HOA. The insurance company sends out any requests for info promptly as evidenced by my second mortgage not engaging in these extortive practices. 

Rushmore agents are polite yet totally impotent to help in any way other than to say they will pass it on to their team.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (WA)

In XX/XX/XXXX, I responded to an offer sent to me in the mail by American Express for a " Gold Card ''. At the time, I was a XXXX in college. I was approved for the card and used it for approximately one year. In XX/XX/XXXX, as a XXXX in college, I encountered severe financial difficulties and was unable to pay a {$1200.00} balance on the card. American Express refused to provide additional runway for payment, and subsequently closed my account and turned it over to collections. Between XX/XX/XXXX and XX/XX/XXXX, I was a struggling recent college graduate and was being hounded by the collection bureau hired by American Express. In XX/XX/XXXX, I settled the balance with the collection agency ( for less the the full amount owed ). The collection agency promised to me that this would not reflect negatively on my credit report, but that promise was not kept and the account was reported as a charge off. Fast forward to early XX/XX/XXXX, and my financial position had drastically improved. I attempted to refinance my student loans, but was denied because of the derogatory remark on my credit report from American Express. After several months of working with the American Express Credit Bureau Unit, I was promised that if I paid the remaining balance on the account ( {$300.00} ) then the derogatory remark on my credit report would be completely removed and that the account would show as paid in full. This is important because by making this change, the single derogatory remark on my report would be removed and I would be eligible to refinance my considerable student debt. American Express did indeed make a change to my report, however it was not the change they had promised me. The account now reads " Paid, was a charge off '', which is still a derogatory remark. upon escalating this issue with management at the American Express Credit Bureau Unit ( to a manager named XXXX XXXX ), he promised to review the recorded call in which a representative ( named XXXX ) made this promise to me. Earlier today, he informed me that he found no evidence of a promise. I feel taken advantage of and misled. I heeded the advice given to me by a representative of American Express, sent a considerable amount of money to the company, and am now being treated as a liar.