davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

UNTIL EQUIFAX CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE BOTH XXXX XXXX XXXX AND XXXX XXXX XXXX MY REQUEST TO RELEASE MY PERSONAL, PRIVATE, & NONPUBLIC MEDICAL INFORMATION TO YOU, EQUIFAX INFORMATION SERVICES, LLC I DEMAND EQUIFAX DELETE THE FOLLOWING ACCOUNTS! 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. 

Please send the above demanded information to my mailing address listed above. This letter is a demand for validation and I demand FULL DOCUMENTATION containing all the information you received from the service provider of this alleged debt. 

Continuing to report this Medical Debt without properly validating and providing me PROOF OF PERMISSION is a violation of the FCRA ( Fair Credit Reporting Act ) You have 30 days to respond or this debt will be considered invalid & removal of this debt will be furthermore required. 

Sincerely, XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserve
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (OH)

My mortgage loan has been serviced by XXXX XXXX XXXX ( XXXX ) since XX/XX/XXXX. On XX/XX/XXXX, I received a hard copy in the mail of a welcome letter from newrez dba Shellpoint informing that it is now the servicer of my mortgage. In the welcome letter, there were " XXXX key things to know, '' which included that my loan number would " remain the same '' and to sign in using my XXXX  credentials. 

My payment was due XX/XX/XXXX, a Saturday. On Sunday, XX/XX/XXXX, I went as instructed to the XXXX website to pay my loan, which immediately forwarded to Shellpoint 's website. There was no way to pay online, except to register, which I did. I received a message that I would get information to pay online when they set up my file. No email has been received in follow up from Shellpoint in the last XXXX hours. 

I called the number that was on Shellpoint 's website : XXXX, and because the welcome letter did not have my account number on it, was placed on hold for 1 hour and 18 minutes. I finally gave up and tried again, this time using my XXXX  account number, entering it electronically using my phone touchpad. That took me to a customer service representative after a 5-minute hold, and this call took 33 minutes. 

This call was recorded and the person on the other end of the call could only identify the amount of my payment. She could not find my loan in her system, nor any matching social security number. When she located the property address, the last 4 digits of the social security number were not correct. I asked if I would get a receipt. She said within 24 hours. I asked when I would learn of my new account number. She said that would be when it was created with no statement of timeframe. Basically, she could not tell me. 

I asked her if she had my email address, and she said no, but when the payment was entered into the system, it would have my email address and notify me that the payment was made. 

I told her I was not comfortable giving her my bank account number over the phone for a {$4600.00} payment without adequate safeguards such as getting a receipt and knowing that the payment would be properly applied. She kept asking me if I was ready to pay. I noted that if Shellpoint could not find me in their system, how could I be sure they could actually apply the payment and not lose it. I asked to speak to a manager and she said that was not possible. She also pressured me saying my payment was due and that there was no grace period. My XXXX statement provides a grace period until XX/XX/XXXX. 

I declined to make my payment over the phone and instead have mailed it to XXXX  with the paper statement stub for XX/XX/XXXX that I had received in the mail separately from the Shellpoint welcome letter. I note that the telephone number on the reverse side of the XXXX statement is the same number that I called today to reach Shellpoint. I informed the person on the other end of the call that I would be making this complaint.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I was never notified that the payment I made in an auto loan was returned ; resulting in a late payment. Also, the consigner of the loan was never notified ; therefore, there was no opportunity for the payment to be made before it was reported 30 days past due on their credit report.
Consumer complaint received 2017-05-17
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: EQUIFAX, INC. (FL)

My information was compromised, someone applied for multiple credit but none of the application were approved as I had an alert on my SS #. Although they were unable to open any accounts the inquiries still show up on my credit reports. I have attempted several times within the last year and a half to dispute and have an investigation done but I have never gotten a response. The latest dispute was submitted  XX/XX/2017    and still I have no response.
Consumer complaint received 2017-05-17
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. (FL)

My information was compromised, someone applied for multiple credit but none of the application were approved as I had an alert on my SS #. Although they were unable to open any accounts the inquiries still show up on my credit reports. I have attempted several times within the last year and a half to dispute and have an investigation done but I have never gotten a response. The latest dispute was submitted  XX/XX/2017    and still I have no response.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (DE)

I understand that the law is civil judgments and liens can stay on credit fo r seven years. Seven  years is entirely too long for consumers to be able to regain credit acceptance. Although the law will change  XXXX   XXXX  this is for new debt. What about past debt? Working for a mortgage company you can even buy a house 3 years after you file bankruptcy! Why is the negative impact of judgments allowed 7 years to ruin your life? 7 years is absolutely asinine.
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (LA)

XXXX XXXX XXXX through XXXX XXXX ( loan # XXXX ) ; requested and was approved for forebearance with XXXX XXXX ( XXXX ) due to covid. At the nearing end of the forebearance with XXXX XXXX we applied for a trial modification. XXXX approved the trial modification to lower monthly mortgage note to {$1600.00}. Trial modification payments were to begin XX/XX/XXXX and we received specific instructions that our loan was being transferred to LoanCare ( # XXXX ) and that our 1st and ongoing modification payments were to be sent to Loan Care. Received notice of approval of trial modification AND service transfer in same notice XX/XX/XXXX. We tried to send the payment per instructions to Loan Care and every trial modification payment was rejected and returned since XXXX. We have contacted them multiple times trying to resolve this issue. We have since divorced BUT have worked together on conference calls and speaking to attorneys to resolve this matter. We have provided loan care with documents from XXXX XXXX showing the transfer and modification, the authorize user ( XXXX ) for the account for the life of the loan, judgments and multiple emails, calls, and complaints to still not have a resolution. Loancare has pulled XXXX 's credit without her permission ( XX/XX/XXXX ), the website shows they received all documents they need and it's in underwriting but yet when we call to get updates we get : " we are missing a few documents, or it's in underwriting ( XX/XX/XXXX and should take 30 days ) and XX/XX/XXXX and should be finalized in 30 days. My question, concern or comment here is -- -Why wasn't the trial modification honored from the previous servicer ( XXXX XXXX ) based on the Fair Consumers Act or the Truth in Lending Act. We have been harassed by notes being left on our door, unnamed, unidentified persons taking pictures of our home and handing us a note to contact LoanCare, Foreclosure notices from Attorneys, extra fees and etc added to current loan, Credit Reporting that gets removed and later put on and removed again, calls to our mobile devices stating " this is an attempt to collect a debt '' all as if we were irresponsible adults that failed to pay our mortgage and that wasn't the case. We faced a hardship and asked for help with previous lender they granted us help only for the help to be rejected by current lender LoanCare
Consumer complaint received 2018-10-11
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. (AL)

I contacted XXXX XXXX the party filing false information on my credit report, and they refused to remove the false information ; I contacted XXXX, and XXXX with a complaint, and they refuse to remove this from my credit report ; I had a XXXX XXXX   from XXXX XXXX I never used, and a XXXX Card I used, and all payments were made on time, they reported a late payment which I was never notified I owed anything to them, they reported both cards, two seperate accounts under the same complaint ; they reported that I never made the first payment, but it clearly shows on the report two payments prior were made on time, customer offered me {$50.00} late fee credit, and no fees until XXXX as their solution, I stated I wanted the accounts closed, as they are paid in full, and wanted this false information removed from my credit report, XXXX XXXX refused, the credit reporting agency are holding this on my report.
Consumer complaint received 2017-09-17
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. (OH)

On XXXX XXXX, XXXX I notified Trans Union of my being a victim of identity theft. I have had to reach out to them and each time I am connected to a person that is not located in the United States who does not know Federal Law and consistently misinforms consumers. For instance, today, XXXX XXXX, XXXX I was told they are not required to follow up on disputes where the creditor does not abide by Federal Law and its essentially 'not legal ' for them to update a credit report even when fraud is confirmed. 
This company is permitting its agents to willfully misguide and misinform consumers on laws they are not themselves, bound by, given they are in a completely different country. 
My rights under the FCRA are being violated by this CRA permitting false and fraudulent information to stay on my credit in the face of confirmed fraud and identity theft.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (SC)

In accordance with The Fair Credit Reporting at, this creditor has violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604 a ( 2 ) States consumer reporting agency can not furnish an account without my written instructions. 15 USC 166 b state 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 2023-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Bank has closed my account 4 months ago, yet I haven't received my check for {$10000.00}. They shipped out the check, however it was lost and I never got it. I called for 2 months every 3 days and they kept saying they will issue out a new check yet they haven't. Every time I call it's the same story, we sent a notice to the back department. I'm sick of it and will be filing a lawsuit if it's not given to me by XX/XX/23. Bank withheld funds past 120 days! 

UPDATE : I've called for the XXXX time and they say that someone has cashed in the check that sent me, although for the past 3 months I've been informing them to cancel the lost check and reissue another. I have NEVER received my money from this HORRIBLE BANK and they are RESPONBILE for losing my check, not canceling and reissuing when I told the XXXX times. They are liable for the money they OWE me!
Consumer complaint received 2017-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1 ) I have several pages of inquiries in which NONE of them belong to me. I also had my identity stolen about a year ago so that could have played aboard.
2 )   addresses are in correct. Only one that should be on file is  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  ca  XXXX .    3 ) employers are incorrect only one  that should be on their is   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

I am writing this complaint to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

I applied with full faith and credit and clean hands on XXXX XXXX for a visa Platinum Credit card ref : XXXX after giving valuable consideration, A fair exchange was not executed on behalf of AMERICAN EXPRESS CO XXXX AXP ) ( CIK XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX I pursued several attempts to remedy the situation including the retraction of my original application which was denied by XXXX XXXX XXXX and American Express my request went completely ignored any correspondence sent out to their investor relations department and chairman after a notice to cure was received by their office. The fraud being committed against my credit card ( 15 USC 1602 ( I ) and security interest is a direct violation of the securities exchange act and the indenture trustee act American Express agreed to.
Consumer complaint received 2023-03-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc (FL)

I mailed letter telling them that debt was paid years ago. But I'm still receiving letters. This debt was paid in 2017 It was paid 6 yrs. ago and is still reporting incorrectly for 6 yrs.
Consumer complaint received 2023-03-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX 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 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 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 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
Consumer complaint received 2024-04-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

XX/XX/2021 I emailed a notice to move out due to my sons XXXX  instability. He is diagnosed with being XXXX, XXXX, XXXXXXXX XXXX XXXX. The apartment was his and I cosigned for it. I do not owe anything to XXXX XXXX, let alone close to {$4000.00}. This is a fraudulent bill that should not be on my rental credit. 
Account Number : XXXX Creditor : XXXX XXXX Principal : Charges : XXXX XXXX XXXX {$3900.00}
Consumer complaint received 2022-11-29
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-29
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (WA)

AidVantage put both of my old loans from my undergrad education from XXXX on in school deferment, without my consent ; additionally, they never notified me that they did this, and when I noticed interest was accruing, I asked them three times why, and they never told me that they had not put me on a SAVE plan or contradicted my assertions that I was on one.

On the SAVE plan, I am a few qualifying payments away from having one of my loans completely forgiven. 
If being placed on this " student deferment '' affects this at all, I am going to be extremely upset, in addition to the interest that they have refused to waive.
Consumer complaint received 2022-11-29
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. (FL)

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

XXXX XXXX XXXX account XXXX XXXX  ( XXXX adverse remarks ) Opened XX/XX/2014 has violated my rights. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

They are also in violation for the CARES ACT.