davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, equifax, and XXXX ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
Consumer complaint received 2023-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have been battling this debt collector with validation etc to no avail as I dont recall ever opening a XXXX XXXX XXXX XXXX XXXX  and it was such a low amount I would have paid it if I did. My investigation has revealed that I was a victim of the XXXX data breech and that is where my information was leaked. Please see the attached reports and please remove this an accurate item from my credit bureaus as you are causing me undo harm for something that was not mine.It
Consumer complaint received 2023-01-24
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. (GA)

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 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  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 2023-06-15
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)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Consumer complaint received 2023-08-09
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. (NC)

I want to dispute these accounts and inquiries because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX Balance : {$6100.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00}, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX,
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (GA)

Response to : XXXX XXXX New Rez dba Shellpoint Mortgage Loan Servicing XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Reference # XXXX CFPB Complaint ID : XXXX Property : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Dear XXXX XXXX XXXX Your letter dated XX/XX/XXXX, has been received and evaluated. According to ( paragraph XXXX ) Shellpoints completed audit review of my loan that was discharged from the XXXX XXXXXXXX Bankruptcy, shows the XX/XX/XXXX, contractual installment ( my payment ) for {$960.00} was applied towards the XX/XX/XXXX, Mortgage Statement. 

Question : Why would Shellpoint/New Rez apply my XX/XX/XXXX, installment payment to XX/XX/XXXX, monthly installment payment? Did I overpay? Is that why payments are going toward future contractual installments? 

( See attached proof of payment/bank receipts ) : Shellpoint/New Rez received XX/XX/XXXX, monthly installment payment of {$960.00} on XX/XX/XXXX ( a day early ). You also received the XX/XX/XXXX, monthly installment payment of {$960.00} on XX/XX/XXXX ( a day early ). 

( See attached proof of payment/bank receipts ) : Shellpoint/New Rez received the XX/XX/XXXX, monthly installment payment of {$960.00} on XX/XX/XXXX ( XXXX date ). But recklessly applied it to XX/XX/XXXX, contractual installment before the contractual installment period even started. This is a blatant misappropriation of payments which has my account in the arrears. 

Your letter purposely omits dates Shellpoint/New Rez received my contractual payments because of misappropriation and continued failure to not show missed payments on their mortgage statements. You are receiving my payment through electronic funds transfer through bill payments but still fraudulently misappropriate funds received creating delinquencies. It is a very shady business practice that needs a serious upgrade before a suit is pursued against this company. 

I have attached Mortgage Statements from XX/XX/XXXX, to XX/XX/XXXX, where you stated the XX/XX/XXXX, contractual installment ( my payment ) was satisfied on XX/XX/XXXX. Included with the mortgage statement are the proof of payment for each monthly contractual installment and noted the month the payment should have been applied to. Use the attached proof of payment to correct my loan account as well as Escrow account. 

I am also requesting an escrow account analysis and statement to be emailed to me at XXXX.
Consumer complaint received 2023-08-09
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. (AL)

In accordance with the Fair Credit Reporting act 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 2023-05-17
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: EQUIFAX, INC. (KY)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet there are accounts still passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records. I've proactively remembered this report for a past letter and I am including it once more. I will take legal actions regarding my aims. The following accounts needs to be removed : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$980.00} ; XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00}.
Consumer complaint received 2023-01-24
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. (GA)

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 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  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 2024-04-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, subsidiary of United States Automobile Association ( USAA ), violated several statutes recognized in the State of Texas. USAA had denied my property theft claim and refused to issue a settlement or payment for my loss, however, they have not reported this information to XXXX. Instead, USAA and their agent ( s ) have left my theft claim disposition status as open, and there is a mortgagee and loan number associated with my theft claim listed on my consumer credit report issued by XXXX. USAA has been negligent in responding to any of my concerns or requests for resolution. I have never been contacted about the existence of a mortgagee or loan number. I have not been presented with details about this and I am left in the dark about the status and verifiable reasoning behind this. All I know for certain is that USAA had violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Bill of Rights, and breached contract. I now have further reason to believe that their negligence and actions constitute additional violations of law regarding finance ( loans, banks, etc. ). Specifically, they have failed to contact me and inform me of this mortagee and existing loan number associated on property theft claim my XXXX consumer report.
Consumer complaint received 2024-04-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (PA)

Shellpoint mortgage requires text message verification to log into your online account. I was unable to receive the text message and reached out to their customer service on XX/XX/XXXX after several attempts to find another way to make the payment. On XX/XX/XXXX they responded but didn't even address my concern and just reset my password. Then they charged me a late fee. I've never missed any type of payments and their lack of customer service cost me money and may impact my credit score.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: VW Credit, Inc (AL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you verify as accurate : Account name : VW CREDIT INC Account number : XXXX
Consumer complaint received 2023-08-09
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)

On XX/XX/2023, XXXX XXXX filed an Identity Theft report along Ftc report for True Identity Fraud to the credit bureaus about fraudulent accounts on my credit report. I am a victim of identity theft. The credit reports XXXX, XXXX and Transunion refused to correct the fraudulent accounts.
Consumer complaint received 2023-12-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Mortgage Research Center, LLC (LA)

VA loan assumption. The company 's website video states the loan assumption does not have many of the fees that are charged in a purchase or refinance. But my loan assumption is identified on the Residential loan application as a purchase and being processed with all the fees in a purchase. The fees have pushed the cost substantially above the market value of the property. The lender has inserted {$450000.00} on the loan application as the market value of the property without an appraisal, when the actual market value is about {$370000.00} and ignored my request to explain the basis of the higher value. The equity ( about {$88000.00} ) that I am purchasing is shown as the down payment on the application, but the loan officer states that I am not putting anything as a down payment. The purchase contract states the seller pays the assessments which includes a transfer tax of {$6000.00}. The lender included {$900.00} for home owners insurance through their company although I have obtained the insurance from XXXX for {$380.00}. 

This company isn't right claiming to help veterans, but doing the opposite.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (MD)

I have an inquiry on my credit report from First Progress that is inaccurate, unfair and violations of the consumer credit laws.First Progress has sold this alleged debt to a nonaffiliated third party without my consent.First Progress has also illegally charged off this alleged debt without sending me a 1099c statement and even though the account has already been closed and wrote off by their corporation, my credit report still shows a balance which is unlawful as well since the alleged debt has been wrote/charged off.These above acts are inaccurate and unfair practices by consumer law
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (MD)

On XX/XX/XXXX, there were 5 unauthorized charges made to my bank account XXXX M & T Bank ) in the amounts of {$1100.00}, XXXX, XXXX, XXXX and XXXX. My bank only sent notification for the {$50.00} charge, which is what prompted me to log into my bank account. and I discovered the other 4. The last charge I received notification for was immediately reversed. In dispute are the remaining 4 charges.

I immediately called my bank to report those charges. The information they gave me was that the charges were made at XXXX 's XXXX and XXXX, in a different state that I have never been to. I was assured they would look into it. I was credited those amounts back. On the XXXX, I got notice that my account was about {$1500.00} in the red, because the bank had pulled back the credited amounts and denied the claim. 

I called the bank 's fraud department, and I spent more than an hour being transferred from department to department. I wanted information on why the claim was denied. I also asked them to look at my bank account. I have banked with them for over 7 years, and I do not make purchases with my debit card. A review of my bank account shows that the transactions were unusual in amount, location, and vendor. 

Each person I spoke to told me the same things - while it is evident and clear that the charges were unauthorized and unusual, their official procedure was to call the merchant who said the transaction was processed properly, and that was that. They closed the case and can not reopen it. I was told to investigate on my own by calling the merchants myself or pursuing the case criminally, and if it yields anything, pursue it civilly. Essentially, their investigation started and stopped with calling the merchant, and I was left on my own. 

I did call the merchants, who told me to go to the bank, as the proper procedure was for the merchants and the bank to sort things out. But my bank asked me to essentially deal with it myself. It baffles me that in this day and age, there is no protection or recourse for consumers whose bank accounts have been defrauded. Per the bank, calling the merchants is all they are capable of doing. There has got to be more than that.
Consumer complaint received 2023-06-16
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX. I obtained copies of my credit report, and noticed some inaccurate information. To this date XX/XX/XXXX. I have not received any investigation results, nor notifications regarding my disputes. XXXX XXXX and Experian are constantly sending Stall letters, which is a blatant disregard of the law. I also submitted another set of letters on XX/XX/XXXX. It's been over 30 days with that, and still nothing.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There is a XXXX XXXXXXXX credit card showing on my credit report which I never opened since XXXX. 

I am not liable for this account and want is removed expeditiously.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I deposited a check in the amount of {$3600.00} on XX/XX/2023 into my personal checking account through the mobile banking app. Truists XXXX XXXX department suspected the transaction as fraudulent. Truist not only put a hold on the deposit but froze all accounts, including our business account, until the investigation is complete, which can be up to XXXX business days. We can not deposit nor withdraw any of our cash. All of our funds are with Truist. We have no money for XXXX business days. My husband is unable to conduct business until the investigation is complete. I requested proof of fraudulent activity but was told its merely under investigation. While I appreciate the need to investigate, preventing our family of XXXX from accessing our money feels criminal. For what its worth, the check is from a former employer and is in fact not fraudulent. It is for unpaid wages following my departure as their employees. They would have happily vouched for the legitimacy of the check if asked. There is no evidence of it being fraudulent ( only the banks suspicion ).