davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
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. (GA)

I am disputing XXXX XXXX  loans on my credit report by XXXX. I submitted documents showing that these loans are dismissed due to a lawsuit and Needs to be removed from my credit report.
Consumer complaint received 2023-09-11
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: DISCOVER BANK (WV)

To continue - I contacted XXXX and talked to XXXX, XXXX and XXXX. Told to call Discover and spoke to XXXX, XXXX XXXX ( disconnected ), spoke to XXXX, and XXXX. Told I had to pay total of XXXX by XX/XX/XXXX - i told them I could pay as I only get a little of {$1800.00} per month from SS ( after working since I was XXXX XXXX XXXX to XXXX XXXX XXXX. Was told by SS that they didnt count work before I was XXXX XXXX XXXX even-though I worked several full and part-time jobs prior.. I cant pay that and pay other bills. XXXX has not responded to a request for a three-way call.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2023-08-20
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 hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/XXXXXXXX   regarding a request for verification of a late payment that is currently being reported on my credit report. The specific account in question is as follows : Account : XXXX XXXX  ( Account Number : XXXX ) Despite my initial request for verification of the reported late payment on the XXXX XXXX account for the month of XX/XX/XXXX, I have not received any documentation from your agency that supports the accuracy and completeness of this reported late payment. 

As stipulated by the Fair Credit Reporting Act, I am entitled to receive a response from XXXX within 30 days of the receipt of my letter. This response should include comprehensive documentation that verifies the accuracy and completeness of the information being reported on my credit report. 

More than 30 days have now passed since I sent my initial request, and I have not yet received any of the requested documentation. It is important to reiterate that credit reporting agencies are legally obligated to provide accurate and timely responses to consumer requests for information verification. 

In light of the fact that the legally mandated timeframe has elapsed without a response, I am formally requesting that XXXX Credit Information Services take immediate action to remove the reported late payment from my credit report for the XXXX XXXX account for XX/XX/XXXX. Furthermore, I kindly ask that you provide me with an updated and revised copy of my credit report, reflecting the removal of this inaccurate information. 

Understanding the significance of accurate credit reporting, I appreciate your prompt attention to this matter. I anticipate a timely response containing the necessary documentation and an outline of the measures taken to rectify the inaccuracies on my credit report. 

Thank you for your cooperation, and I look forward to a swift resolution of this issue.
Consumer complaint received 2023-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XXXX  regarding a request for verification of a late payment that is currently being reported on my credit report. The specific account in question is as follows : Account : XXXX XXXX ( Account Number : XXXX ) Despite my initial request for verification of the reported late payment on the REGIONS BANK account for the month of XXXX XXXX, I have not received any documentation from your agency that supports the accuracy and completeness of this reported late payment. 

As stipulated by the Fair Credit Reporting Act, I am entitled to receive a response from XXXX within 30 days of the receipt of my letter. This response should include comprehensive documentation that verifies the accuracy and completeness of the information being reported on my credit report. 

More than 30 days have now passed since I sent my initial request, and I have not yet received any of the requested documentation. It is important to reiterate that credit reporting agencies are legally obligated to provide accurate and timely responses to consumer requests for information verification. 

In light of the fact that the legally mandated timeframe has elapsed without a response, I am formally requesting that XXXX Credit Information Services take immediate action to remove the reported late payment from my credit report for the XXXX XXXX account for XX/XX/XXXX. Furthermore, I kindly ask that you provide me with an updated and revised copy of my credit report, reflecting the removal of this inaccurate information. 

Understanding the significance of accurate credit reporting, I appreciate your prompt attention to this matter. I anticipate a timely response containing the necessary documentation and an outline of the measures taken to rectify the inaccuracies on my credit report. 

Thank you for your cooperation, and I look forward to a swift resolution of this issue.
Consumer complaint received 2023-08-20
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. (FL)

I OPENED A CREDIT CARD WITH XXXX, DID APPLICATION, PAID THE FEE, AND WAITED FOR CARD. A FEW MONTHS GO BY ... NO CARD, NO BILL SO, I CALLED EM TOLD EM WHAT I DID THEY ARE LIKE U OWE ANOTHER MEMBERSHIP FEE, I TELL EM WHEN I SEE A CARD GREAT I'LL TAKE CARE OF THIS. WELL ITS BEEN ABOUT A YEAR AND IM CHECKING MY REPORT. THEYVE GOT A 30 DAY LATE PAYMENT ON MY ACCT. IVE CALLED A FEW TIMES ABOUT IT DISPUTED ONLINE, NO LUCK. I JUST STUMBLE UPON THIS STATEMENT WITH THE WRONG ADDRESS ON IT. I CAN GET THAT LATE PAYMENT DELETED CORRECT, I DIDNT EVEN SEE THE CARD UNTIL XXXX XXXX XXXX WAS LIKE XX/XX/XXXX. INACCURATE INFO HAS TO COME OFF ILL UPLOAD DOC.
Consumer complaint received 2021-03-22
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. (NC)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I OPENED A CREDIT CARD WITH XXXX, DID APPLICATION, PAID THE FEE, AND WAITED FOR CARD. A FEW MONTHS GO BY ... NO CARD, NO BILL SO, I CALLED EM TOLD EM WHAT I DID THEY ARE LIKE U OWE ANOTHER MEMBERSHIP FEE, I TELL EM WHEN I SEE A CARD GREAT I'LL TAKE CARE OF THIS. WELL ITS BEEN ABOUT A YEAR AND IM CHECKING MY REPORT. THEYVE GOT A 30 DAY LATE PAYMENT ON MY ACCT. IVE CALLED A FEW TIMES ABOUT IT DISPUTED ONLINE, NO LUCK. I JUST STUMBLE UPON THIS STATEMENT WITH THE WRONG ADDRESS ON IT. I CAN GET THAT LATE PAYMENT DELETED CORRECT, I DIDNT EVEN SEE THE CARD UNTIL XXXX XXXX XXXX WAS LIKE XX/XX/XXXX. INACCURATE INFO HAS TO COME OFF ILL UPLOAD DOC.
Consumer complaint received 2020-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

My mortgage with XXXX XXXX XXXX  was sold once I requested a forbearance due to financial hardship during the COVID-19 pandemic. The mortgage was effectively purchased by XXXX XXXX XXXX  XXXX XXXX on XX/XX/2020, and subsequently contracted out for servicing by Shellpoint Mortgage Servicing. Our initial forbearance was from XXXX XXXX through XXXX XXXX an d extended by Shellpoint for an additional three months after discussing our current financial situation. We were told that we would have deferred payment options at the end of our forbearance but to try to make tax and escrow payments current to avoid any penalties from the government. 

Since our last discussion with Shellpoint, we have not been able to make payments to our escrow account, as instructed and we have not been able to speak to our representative for guidance. I have sent emails on the following dates to XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, in addition to leaving her voicemails on those dates. We have not had any response. We have been sent numerous letters detailing our repayment options, see the attached example. 

Today ( XX/XX/2020 ), I was finally able to speak to another representative who informed me that our mortgage does not qualify to have our outstanding balance deferred to the end of the loan and we would need to stay in forbearance until we can pay the whole amount owed. I asked why our mortgage was not qualified and she said it was because of their client ( XXXX XXXX XXXX   XXXX XXXX ) and she would not offer any other information. She also stated if we wanted to end our forbearance early without making any payments, we would get a negative credit rating. 

Throughout this process, we have been told that having our payments deferred was an available option for our mortgage and they would make sure this was put in place when we felt we could resume payments. This is a situation that we are in due to the sale of our mortgage and no one is being held accountable for the lack of communication and answers regarding our mortgage. We feel as we are in a terrible situation with an uninformed and unresponsive servicing company that puts us at risk of destroying our credit or losing our home.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I OPENED A CREDIT CARD WITH XXXX, DID APPLICATION, PAID THE FEE, AND WAITED FOR CARD. A FEW MONTHS GO BY ... NO CARD, NO BILL SO, I CALLED EM TOLD EM WHAT I DID THEY ARE LIKE U OWE ANOTHER MEMBERSHIP FEE, I TELL EM WHEN I SEE A CARD GREAT I'LL TAKE CARE OF THIS. WELL ITS BEEN ABOUT A YEAR AND IM CHECKING MY REPORT. THEYVE GOT A 30 DAY LATE PAYMENT ON MY ACCT. IVE CALLED A FEW TIMES ABOUT IT DISPUTED ONLINE, NO LUCK. I JUST STUMBLE UPON THIS STATEMENT WITH THE WRONG ADDRESS ON IT. I CAN GET THAT LATE PAYMENT DELETED CORRECT, I DIDNT EVEN SEE THE CARD UNTIL XXXX XXXX XXXX WAS LIKE XX/XX/XXXX. INACCURATE INFO HAS TO COME OFF ILL UPLOAD DOC.
Consumer complaint received 2023-08-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Rock Creek Capital, LLC (MA)

I have a vehicle that was originally leased thru XXXX XXXXXXXX XXXX  then it changed hands to XXXX XXXX and then apparently changed hands to XXXX XXXX XXXX i had no clue it happened until my vehicle was repossessed without contacting me about any arrangements for the car i reach out to XXXX and they tell me they will release my car to me if sign an agreement to pay them XXXX a month for a total of about XXXX dollars and they will release the title to me i spoke with XXXX XXXX the president of the company and i told him i dont believe i owe this much on the vehicle and was told that we can have a discussion but they where having an issue with covid and just wanted me to sign something so they could release the vehicle to me so i did it because i needed my car back so i had very little contact with them and never had an opportunity to figure out what was truly owed fir the vehicle and now the car is a total loss due to flood and i can not reach XXXX  at all no one is responding to emails or phone calls i haven't heard from them since XXXX of XXXX and only made a payment of XXXX to them i stopped making payments because i thought i was being scammed because i could not contact them i couldn't reach out to the previous lienholder because the company no longer exists ive done some research and found that XXXX XXXX is also employed by rock creek capital and other XXXX leases were in fact reporting debts owed for vehicles that were already returned so i have absolutely no idea how i can get the title for this vehicle my insurance cant do anything without it ive had this car since XXXX and have been through so much trying to get the title and i have no clue what to do now
Consumer complaint received 2023-08-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-10-29
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)

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 Account number # XXXX, XXXX XXXX XXXX Account number # 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 or 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 know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-20
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. (TX)

It has come to my attention that there is information in 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 in my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of 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 and the consumer ; 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.
Consumer complaint received 2023-08-20
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)

CFPB, just wanted to let you know Experian has violated my rights and we have a major problem. Experian is causing harm and injury to me by committing identity theft, and non-disclosure fraud /miss use of my personal information and there was a reporting that just took place on my report, and I know that I never never never consented in writing authorization and permission for consumer credit reporting agencies to furnish my personal information to non-public third parties I need this negative and false fraudulent information and reporting to be deleted from my account immediately this is causing me injury and harm and you are in violation of my privacy and my unalienable rights. Please have Experian delete and remove and block. Any negative information and urgently update, correct fix amend, remove block any negative information furnished to any third-party without my consent without my written consent and I know by law companies must have the consumers written permission to furnish any information and credit bureaus or credit reporting agencies must also get the consent of the consumer, which is me and I did not consent. I need all of the negative remarks experiences items that have been fraudulently placed on my consumer credit report to be immediately removed, make sure this is investigated and re-investigated in the method of delivery and how they verified the investigation. Make sure it sent to me to my address XXXX XXXXXXXX XXXX XXXX, XXXX,, make sure this is investigated and re-investigated in the method of delivery and how they verified the investigation. Make sure it sent to me to my address XXXX XXXXXXXX XXXX XXXX, XXXX, CA XXXX. Thank you so much.
Consumer complaint received 2021-03-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOWNEBANK (VA)

After dragging my mortgage process out for almost 45 days, TowneFirst Mortgage of XXXX VA pulled my loan on XX/XX/2021, less than 36 hours from my initial closing date of XX/XX/2021. I was never given a concrete answer as to why the loan was pulled, nor was I able to get a response from anyone within the company advising on same. 

I believe they have been mishandling VA loans as they did not follow procedures and regulations regarding multiple issues including length of income, suitability of partner generating income, and transparency of underwriting decisions.
Consumer complaint received 2023-06-05
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-20
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. (MS)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information