davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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. (WA)

I legally changed my name and sent Experian the requested name change documentation. 

They successfully changed my name, but are now reporting on their website that I have no credit history. 

I have attempted through several disputes via e-mail to resolve this situation. Experian directed me to call their National Consumer Assistance Center. 

I called the National Consumer Assistance Center and was on the hold for over an hour. They directed me to a person who said that the National Consumer Assistance Center saw no problems with my credit report, and that it showed I had a long and excellent credit history. The person at the NCAC attempted to direct me to someone back at Experian, and Experian hung up on me and did not call me back. 

I opened another dispute asking them to resolve the issue instead of directing me back to the NCAC. They didn't even read the dispute message, and directed me back to the NCAC. They seem to refuse to resolve this problem.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (TX)

Dear cfpb I am writing to express my dissatisfaction and anger over the recent data breach and misuse of customer information that occurred at your bank. I am one of the millions of customers who were affected by this incident, and I demand a full explanation and compensation for the harm caused to me.

According to the Consumer Financial Protection Bureau ( CFPB ), your bank illegally assessed fees and interest charges on auto and mortgage loans, wrongly repossessed cars, misapplied payments, charged surprise overdraft fees, applied incorrect charges to checking and savings accounts, and improperly froze some accounts [ ^1^ ] [ 1 ]. Moreover, your bank accidentally leaked confidential information about tens of thousands of your wealthiest clients to a former financial adviser who subpoenaed the company as part of a lawsuit [ ^2^ ] [ 2 ]. Additionally, your bank mistakenly provided personal information of some customers, including their names and social security numbers, to another customer while processing stimulus payments [ ^3^ ] [ 3 ]. 

These practices are not only unethical and irresponsible, but also illegal and in violation of various consumer protection laws. As a result of your negligence and misconduct, I have suffered financial losses, emotional distress, and increased risk of identity theft. I have lost trust and confidence in your bank, and I feel betrayed and violated by your actions.

I request that you take immediate and effective measures to remedy this situation and prevent any further harm to your customers. Specifically, I ask that you : - Provide me with a detailed account of how and why the data breach and misuse of customer information occurred, and what steps you have taken to secure and protect the data.

- Refund me any fees, interest charges, or other costs that I have incurred due to your errors or misdeeds, and correct any errors or inaccuracies on my credit report or account statements.

- Offer me free credit monitoring and identity theft protection services for at least two years, and reimburse me for any expenses that I may incur to safeguard my identity and credit.

- Apologize sincerely and publicly for your actions, and commit to improving your policies, procedures, and oversight to ensure compliance with the law and respect for your customers.

I expect a prompt and satisfactory response from you within 10 business days. If I do not hear from you by then, or if I am not satisfied with your response, I will take further action, including filing a complaint with the CFPB, contacting my state attorney general, and seeking legal counsel. 

XXXX
Consumer complaint received 2023-07-31
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. (FL)

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-08-14
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. (FL)

On XX/XX/2018 I started a dispute with Equifax on some fraudulent accounts, which were XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Before the 30 days were up I received notice that were sent to my email the items were removed. On XX/XX/2018 I notice the 2 XXXX XXXXs were back on my file, therefore I contacted Equifax again not only Equifax but the Creditors also and provided documents of the police report once again its back in dispute with Equifax. On XX/XX/2018 I sent the same documents to the reporting creditor, On XX/XX/2018 A notice was sent to me advising me that the account is closed and to be deleted form my credit file. On XX/XX/2018 I contacted Equifax inquiring why the items are still being reported as a charge off when it should be deleted per Mr. XXXX XXXX I need to do another dispute on the charges the charges are correct, I tried explaining to him the letter that was mailed out to me and also it states that the company electronically sent a copy of the document he refused and said again I need to file another dispute. The other 2 credit agents removed the items, I don't understand this if the Creditors are letting the credit reporting agencies aware of this misunderstanding why is Equifax refusing to delete the trade lines. I'm also disputing inquiry on my Equifax report, I have an fraud alert on my credit file I don't understand how Equifax give authorization to creditors without identifying if its me or not.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (AL)

15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (TX)

Still Charging for PMI. XXXX is 66 % PMI requirements are for 78 % and above. Shellpoint will not remove PMI. Have been trying to get this removed for over 1 year ( XX/XX/XXXX ). In XXXX filed for XXXX XXXX. Shellpoint Customer Service XXXX XXXX completed my request incorrectly and my account showed late payments. I called and worked with a Supv XXXX XXXX to resolve. She reportedly fixed all the issues including correcting my credit report. She could not understand why the PMI would not be removed. Letter from Shellpoint said I had a late payment and that was why my PMI would not be removed. This is incorrect and I reached a Supv XXXX XXXX XXXX to resolve. She stated she did. Still no PMI removal. 

XX/XX/XXXX paid {$190.00} for home appraisal for PMI removal per letter from Shellpoint. This never occurred and my money was not refunded! 

XX/XX/XXXX XXXXSpoke with Supv XXXX  XXXX XXXX. She read all my issues and file and agreed with me that the PMI should be removed. She build a file and case for investigation # XXXX with XXXX XXXX. No contact thru today XX/XX/XXXX. 

XX/XX/XXXX XXXXSpoke with Supv XXXX XXXX she said complaint was cancelled and PMI was not going to be removed because of the late payment noted above. I had to explain again the issue and she said she would send an email to XXXX. 

Resolve : 1 ) Fix my account records at Shellpoint to properly reflect the account situation and XXXX XXXX. 2 ) Remove PMI per my contract, I have met the obligation. 3 ) Refund my appraisal fee {$190.00}. 4 ) Refund me my monthly PMI that has illegally been collected by Shellpoint since XXXX of XXXX at $ XXXX per month = {$6700.00} +
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Monday XX/XX/XXXX I logged into my Capital One bank account and saw that all my funds were on hold. After seeing my funds on hold I immediately reached out to Capital Ones customer service representative and informed her about what was going on. The representative had asked if I knew about a XXXX transaction that occurred on XX/XX/XXXX and to my knowledge I proceeded to tell her I have no idea about the transaction as it happened over a month ago. The representative puts me on a brief hold and then tells me that Capital One is deciding to part ways with me. They never gave me an explanation on why my account is being closed. I went into the branch Thursday XX/XX/XXXX to see if I could at least withdraw the remainder of my funds since I was able to access my account, but the branch said that my account was still under investigation. The XXXX amount was {$150.00} which is why I am confused as to my account being closed.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-01-04
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: JPMORGAN CHASE & CO. (DC)

ON XXXX XXXX XXXX XXXX XXXX XXXX JP MORGAN CHASE AND THE FOLLOWING OTHER COMPANIES ON XXXX XXXX XX/XX/223 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 INQUIRED INTO MY CREDIT FILE WITHOUT MY WRITTEN CONSENT THESE INQUIRIES ARE THE RESUALT OF FRAUD AND IDNITY THEFT AND WERE NOT AUTHORIZE BY ME PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 U.S.C SECTION 608 THESE INQUIRIES DOES NOT REFLECT COMPLIANCE WITH THE ACT AND FURTHER VIOLATES THIS STATUE BY FURNISHING INFORMATION THAT IS NOT COMPLETE AND ACCURATE
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive been making regular payments to my XXXX XXXX XXXX  and they have been reporting me deliquent and affecting my credit negativity. Ive been contacting the card company and they refuse tk help me instead they have closed the account and put my account as delinquent. Included in the attachments are screenshots from my babk account of the payments that have been made.
Consumer complaint received 2021-03-12
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: Early Warning Services, LLC (CA)

EARLY WARNING SYSTEMS CUSTOMER SERVICE WOULD NOT TAKE CAR OF INACCURATE INFORMATION REPORTING FROM XXXX  XXXX XXXX. INACCURATE INFORMATION IS OVER 5 YEARS OLD. IDENTITY THEFT VICTIM POLICE REPORT FILED
Consumer complaint received 2023-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (MO)

We made XXXX XXXX come to our house and talk about installing solar panels on our house.XXXX  XXXX.We were approved for the loan.XXXX Green Sky gave XXXX XXXX money to buy the equipment.Without verification from usXXXX XXXX  panels where installed.Green Sky paid XXXX XXXXWe where told Electric company had to come out and install new meterXXXX Electric company came out.installed new meter XXXX XXXX was paid. Without verification that the work was completed.Solar panels are still not working and we are getting higher electric bills .We have call both companies over 10 times and no one has resolved the problem.They also try to i stall a smaller unit than the one we had contacted for our house.
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NE)

5 months ago I filed to be reimbursed for payments I made during XXXX. XXXX reimbursed me for payments made to them but since Fedloan is out of service, no idea where my check is from them? I've contacted Dept of Treasure, Dept of Education, Financial Aid at my school. My student loan balance has gone up. So where is this check? Who do I contact??
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

My apologies, I do not have all the dates but I have contacted Equifax on several occasions during the last two years as they do to make available my score to financial companies that require from Equifax, XXXX  and XXXX a report. I do have the latest from my bank, XXXX XXXX XXXX XXXX, XXXX. which does have a date of XX/XX/2018. When spoken by phone in the past, they keep saying on the phone they do have my score, still it does not get reported even after I filled out forms and sent direct. They have indicated in the past that I do not have long history. But my question is why the other reporting agencies have more than 20 years of " excellent history ''. Can you help correcting this? 

Thank you, XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit reporting Act XXXX XXXX XXXX XXXX 15 USC 1681 Section 102 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-01-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (GA)

Specialized Loan Services ( SLS ) has been using multiple tactics in an attempt to steal my home. Let me explain.. When I provided proof & documents showing that funds I paid in excess of over {$10000.00} were never applied to my account, I was disregarded and passed from Agent to Agent. This issue was never resolved, so after multiple attempts, it seems I have been robbed of my funds with no accountability from my Mortgage holder. 
In 2023, XXXX of XXXX, provided funds to clear my past due balance and provided me with a few months of payments going forward. SLS stole those funds. They took the money and would not apply it to my mortgage. It was not until I reported the theft to XXXX XXXX XXXX that the money was then applied to my account. That incident was in XXXX, XXXX. 
SLS is purposely misreporting the late months on my credit report.

SLS tricked me by changing my MIR from 3.5 to over 7 %. I had the same interest rate for over 23 years. SLS, never mentioned once that they changed my interest rate, i just found out in XXXX of XXXX. In XX/XX/, SLS marked my home with a Vacant sticker, all while communicating with me once a week and assigning me to a person named XXXX. SLS, hired a 3rd party company to post a notice on my door all while I'm living here! This was an attempt to humiliate and embarrass me among my neighbors, family & any visitors. Another attempt to Bully me out of my home. I reported the Vacant Sticker issue to FHA and per usual, SLS lied & denied but I had my proof. My glass door is also permanently damaged from whatever agent was used to seal it to my door. I have requested for my Lender to replace my door but that has not happened either. SLS, every month, for as long as they have had my loan, has charged me a {$20.00} field service fee to my account. 
I am currently in the XXXX  program and SLS will be issued a check for my past due balance. SLS is very aware that I am in the program and of the process time that it takes. SLS, put me into foreclosure a few days ago, in an attempt to garner more money from the program through fees. SLS has over 8,000 complaints against them. I honestly do not understand how this predatory company is still able to practice and has not been stopped. Everytime I let them know that I am going to report them. I am thrust into or threatened with foreclosure. My Lender has even shamed me for getting additional assistance, The more I complain. The more SLS retaliates against me.
Consumer complaint received 2023-01-21
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. (CA)

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 XXXX5 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 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 2017-06-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Last fall my husband and I paid off our mortgage in XXXX XXXX XXXX with Nationstar Mortgage. <P/>-We never have received a release of loan. -No recording was done with our county that our loan has been paid. -We were told and was sent a document that our taxes was paid off. The taxes were never paid last XXXX. We paid our taxes with extra fees last XXXX. -Escrow statement sent to us shows money missing the bank can not tell us were it went. <P/>Our main concern is that we have them to send the county a release of mortgage to show our home is paid off. <P/>Any help will be much appreciated.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi there - I have opened dispute XXXX and I provided extreme details ( see attached ). However my experience with Capital One is that I am not being treated seriously. The response letter I received from Capital One just simply says I did not provide sufficient information when my letter is extremely detailed with all the information provided. I am hereby providing my case again.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my profound dissatisfaction with the ongoing presence of a fraudulent account on my credit report. Upon reviewing my credit report, I discovered this account that do not belong to me. Therefore, I request the removal of this account from my credit report.I request that you conduct a investigation into this account and promptly remove it from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX.
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (OH)

Received a letter from MRS BPO , LLC stating a total amount of {$180.00} is due. The inital bill it stated was {$170.00} and there was a fee of {$4.00}, which brought the final total to {$180.00}. I was informed that this bill was previously paid and the equipment was turned back into the company. I do not believe they are associated with XXXX