davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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. (CA)

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within XXXX XXXX. Please check payment history, date open, last activity and account status. I believe it was reporting in error. 
XXXX XXXX  XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$9600.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX Owed : {$3500.00}.
Consumer complaint received 2020-10-14
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: Resurgent Capital Services L.P. (PA)

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX   ( XXXX XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) LVNV FUNDING ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX   XXXX ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (NJ)

On XX/XX/XXXX we signed a modification plan with Ditech Financial LLC. We were paying monthly {$2900.00} to Ditech Financial LLC, Attention : Loss Mitigation, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XX/XX/XXXX. 
There has been a change of address without notifying us to Ditech Financial LLC, XXXX XXXX XXXX, XXXX, SC XXXX. 
We are paying since XX/XX/XXXX to Ditech Financial LLC, we have made 47 payments of {$2900.00} and till today we did not receive any bank statements, tax documents and we do not have an online account setup to pay electronically. 
On XXXX of the each month we have to go to the post office to send a check. 
After printing a credit report we found out that NewRez-Shellpoint and New Rez-Mortgage Shellpoint are reporting late payments. According to credit report agency we are seriously delinquent. 
We have prove of deposited checks printed from XXXX Bank. We were never late making the payments. 
Due to this wrongly reporting on our credit, our child can not get a federal student loan for her studies at XXXX XXXX XXXX. 

Please help us to solve this crime!!!!! 


Best Regards,
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion I have reviewed some information on my credit report that shows an inquiry that I never authorized. Please delete this fraudulent inquiry : XXXX XXXX Thanks for your understanding. I have attached proof if ID and Address, as well as the Police report.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I recently opened new checking, savings and credit card accounts with Bank of America. This was due to a move from XXXX XXXX XXXX and I needed a bank that had branches in both States. I made a mistake setting up " XXXX XXXX '' in my new accounts which resulted in making a double payment to my B of A credit card from my savings account on XX/XX/2022. When I realized the mistake, I immediately called B of A customer service to cancel one of the payments and transfer the amount back into my savings account as the double payment left me cash strapped and I had other bills to pay. I was advised that it would take up to 10 working days for this to happen. When I questioned why, as it was a simple transfer between my B of A accounts, all they would tell me is that this was their policy. I have since called customer service again and was told that it could take up to 2 billing cycles on my credit card, which is not acceptable. I then went to the Bank of America Branch in XXXX, XXXX  and spoke with XXXX XXXX about the matter on XX/XX/XXXX as the money hadn't been transferred and I was very anxious and upset as I still had other bills to pay. He made some calls to a manager and told me that the money would be in my account on XX/XX/XXXX. Today is XX/XX/XXXX and the money still hasn't been transferred back into my savings account. In my opinion, this can't be legal and if it is legal, it isn't right and needs to be changed. It is a just a transfer between accounts with no third party reason for holding funds. In the meantime, they have free use of my money ( XXXX  XXXX ), I am losing interest on my savings account and do not have the use of my funds. I require that the money be transferred back into my savings account immediately and that I be paid the interest amount accrued since B of A was initially notified of the mistake.
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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


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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-07
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)

According to my research about FCRA 605, you 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 is 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 XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX Balance : {$370.00}.
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/XXXX I received a lot of mail and text messages about owing money to an account that was from XX/XX/2020. Im just worried about my information being leaked cause its been difficult purchasing a car or try to get my credit score higher. I just need help thank you
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

I originally started with this refinancing with this company XXXX months ago. Through this entire process, I have given NewRez multiple opportunities and have very patient with going through this process. From XXXX to XXXX the processor I worked with no longer was responding until I called the original employee I was working with for him to say " he has no idea what is going on ''. I have asked for managers and explanations and never once received them and I have signed documents several times over and over again with the same terms throughout this whole process. After 5 months I began to put more pressure and here we are at closing and they have changed the terms on us after 6 months when I have rate lock agreements that are still valid. The communication, professionalism, and lack of client support are horrible. They are not a reputable company.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

In early XXXX, my partner applied for and received an American Express XXXX XXXX XXXX Credit Card. I am an account manager on that account. 

The promotional materials for the card, in several different places, advertised that the {$95.00} annual membership fee would be waived for the first year. However, on XX/XX/2022, our card was charged {$95.00} for an annual membership fee. 

I called Amex on XX/XX/2022 and spoke with a representative named XXXX and explained the situation. She told me she would send a link to upload copies of the promotional materials for Amex to look at. I clicked the link and the link was dead. I called back and spoke with a representative named XXXX and the call was immediately disconnected. I called back and spoke to a representative named XXXX who told me that the process XXXX wanted me to go through was the incorrect process and that I had to wait for somebody to call me back. I was given a case number, and was told that normally, it would take 7-10 business days for someone to call me back, but she would expedite the request and I would receive a call within 1-2 business days. 

On XX/XX/2022, having received no such call, I called Amex and spoke with a representative whose name I did not get. He spoke with his back office and told me that there have been no updates, and that the back office would get back to him in 1-2 weeks. I told him that a representative said I would receive a call from somebody, and he told me that no such thing would happen, so I didn't even have a chance to provide Amex with the relevant promotional materials. At that point, I was tired of being jerked around and was not confident that the matter would be resolved in a timely and appropriate manner, so I told the representative I would file a complaint with the CFPB. 

I am attaching the printout of the card statement showing the incorrect charge, as well as printouts of the various promotional materials with the annual fee language highlighted in yellow for ease of reference.
Consumer complaint received 2023-08-10
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
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. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. 
Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-02-13
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)

my identity was stolen and used to open credit without my knowledge. now it is ruined me i am doing this in hope to get all straighten out i can get my credit in order have been a victim of identity theft.
Consumer complaint received 2022-12-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation (VA)

I have been approved for HAF payment for my pass due mortgage payment and the. Mortgage company SWBC Mortgage continues to threaten foreclosure but HAF has been in touch with SWBC Mortgage so have I. They're are saying oh well we haven't received payment so we are going to move forward with loss mitigation foreclosure. I do not want to loose my home. HAF has told them I have been approved just has not sent the payment or something. My Company is threatening with taking my home. What can be done they already been told by HAF that I was approved. Just got off forbearance and were they wouldn't allow me to make payments to my mortgage and now still won't allow me to make payments to my current monthly payment which will cause the more problems. Is this legal???
Consumer complaint received 2022-10-24
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. (WI)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-24
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. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PayActiv, Inc. (IL)

XX/XX/XXXX I have lost my payactiv card and it was used for a transaction of XXXX and XXXX .... since then they have been " investigating '' said amounts and also stated they'd provide provisional credits if it took longer on an email they sent... They have not since returned my money. When I call, ask they do is transfer me around.
Consumer complaint received 2022-10-24
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. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Our mortgage for XXXX XXXX is not being reported on our credit report and is adversely affecting our credit scores and causing us to receive higher interest rates on credit cards and car loans. We have previously reported the issue with CFPB complaint number XXXX and this problem needs to be fixed. According to XXXX XXXX customer service they are reporting to the following credit reporting agencies : XXXX, XXXX, XXXX and Trans Union but our mortgage is not on the credit report.