davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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. (NV)

I HAVE BEEN VERY CLEAR AND PATIENT, I HAVE CALLED XXXX AND EQUIFAX AND THEY HAVE ASKED ME SECURITY QUESTIONS AND VALIDATED MY ID BUT I AM NOT ABLE TO LOG ONTO MY ONLINE ACCOUNT I HAVE ALSO BEEN UNABLE TO GET THE FRAUD STATEMENT REMOVED.. SO I WILL SAY IT AGAIN CLEARLY AND I HAVE ATTACHED MY NOTARIZED LICENSE AND BANK STATEMENT, WHAT OTHER PROOF DO YOU NEED? 

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. REMOVE LATE PAYMENTS, THOSE ARE BILLING DISCREPANCIES. HOW DID I GO FROM XXXX AND UP ON MY SCORES TO XXXX? SOMEONE IS PLAYING GAMES. 

3 THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

4. UPDATE AND SUPPRESS NEGATIVE INFORMATION 5. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. CLARITY SENT ME A PAPER WITH NO CODE BUT LISTED I NEEDED A CODE TO UNFREEZE. HOW CRAZY IS THAT, IT WILL BE ATTACHED. 

6. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS AS IT IS MAKING IT VERY DIFFICULT TO GET THINGS CORRECT. REMOVE IT IMMEDIATELY AND UPDATE MY REPORT. 

I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATE. I AM SICK OF THIS. 
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Consumer complaint received 2024-04-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
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 (MD)

We entered into a new equity loan with XXXX XXXX XXXX XXXX XXXX. 
When it came time to make our first payment, we were told the loan had been sold and we could not make that payment. We had no account numbers, loan information etc. ( i.e we never received the necessary information to make our first payment ). 
We awaited this information. 

My husband eventually made contact with a company called Shellpoint and was told they had our loan and information for payment would be forthcoming. 

On XX/XX/XXXX, we received a statement with the long awaited account information and it stated that we were already in arrears and that a payment would be due XX/XX/XXXX for XXXX payments. 

My issue is that having never received any contact from this company or payment information we can not already be behind. This is unacceptable. We could not have paid them sooner because we had no account information. 

We should owe them ONE PAYMENTS on XX/XX/XXXX, not XXXX Our statement says that we owe XXXX, with two overdue payments of XXXX, for a total due of XXXX, XXXX. We will incur late fees for not paying this, which will impact our impeccable credit score.

I do not think this is acceptable given that we could make no payments during this time.

This should be reset to owing one payment at this time, now that we have the account information. I would like assistance in resolving this as multiple contacts to this company have proven to be unsuccesful.
Consumer complaint received 2024-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NY)

I requested information from this creditor last XX/XX/2024 and I have yet to receive anything. 

Please have this company upload the following documentation. 

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. XXXX allocation of payment.
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (RI)

I was processing a mortgage with Cardinal Financial in XXXX Florida, my loan officers name is XXXX XXXX. 

The loan was progressing normally and all appeared to be going well until XX/XX/XXXX. We had a loan commitment date of XX/XX/XXXX. Mr. XXXX was waiting for a condo review to be completed in order to issue commitment. On the afternoon of XX/XX/XXXX Mr. XXXX texted myself and the realtor and told us he had received a verbal Clear to Close. I can provide a screen shot of this text if needed. Based upon this text we allowed commitment date to pass putting our deposit in jeopardy. The next day Mr. XXXX reached out and let us know in fact Clear to Close was not issued and condo review now had concerns. He then worked with his underwriting team until Friday XX/XX/XXXX to resolve the issue and at that point let us know he could not get approval to allow us to close. 

We informed the sellers realtor of this information on XX/XX/XXXX. The seller of the property is now threatening to keep my {$15000.00} deposit or charge me an additional {$3000.00} in expense to issue a closing date extension so another lender may complete my financing. 

Mr. XXXX false claim of Clear to Close being issued has put my family and I in an awful position facing a {$15000.00} deposit loss.
Consumer complaint received 2021-12-31
Product: Vehicle loan or lease — Loan
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: Santander Consumer USA Holdings Inc. (AR)

XXXX XXXX I purchased A XXXX XXXX XXXXXXXX XXXX truck from XXXX dealership located in XXXX Texas. The vehicle was delivered to me after I went through every step including a down payment of {$1500.00} to get approved and delivered to my front door. After getting the vehicle and driving it for 30 days my temporary tags expired on XXXX. This company sales taxes are included in the finance charges.I then asked about the permanent license plate and never received answers. XXXX XXXX temp tags expired. I wasn't able drive my truck 3 weeks due to them not answering my email and hanging up in my face until one day I push a number as if I was purchasing a new vehicle received another temp tag XXXX XXXX which will expire on XX/XX/XXXX not having those a full 30 days. I still have no true answers to when I would receive my permanent tags besides they needed to request a duplicate title. So I'm not sure why they didn't do that before selling the truck. It takes them weeks to get them to request my temp tags when I do call.
Consumer complaint received 2021-07-26
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. (NY)

I am XXXX XXXX! I have reached out to these dam credit companies multiple times and havent gotten XXXX back. These false reporting accounts on my credit report has hindered me from purchasing a car and soo much more. I ask that these accounts be removed immediately as this XXXX is literally XXXX up my life.
Consumer complaint received 2021-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC (DE)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2019-12-13
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX | DOB :  XX/XX/XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

I demand the following accounts be verified or removed immediately.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Brett M. Borland, P.C. (GA)

Law Office of Brett M Borland, P.C. contacted me by phone, on XX/XX/ and claimed I owed a debt as originating from the apparment XXXX XXXX XXXX, whk I have never stayed out. They then contacted me by mail received XX/XX/ as to the price of said debt and the supposed contract included in a debt validation letter request. This gave me no notice of my rights as described in 15 U.S. Code 1692g ( a ) ( 3-5 ). 

I made a request for additional information within my rights and after two months have received. I requested they only contact me by mail and they ceased all communication claiming it was against company policy to communicate outside of the phone.
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (GA)

Discover bank has been falsely reporting information to the credit reporting agencies. I requested a 1099C xplaomg how they were already paid and was that claimed on their taxes. My right to privacy has been violated under the FCRA and the FDCPA. IT states that all information is supposed to report accurately.
Consumer complaint received 2019-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (CA)

Around XX/XX/2019 I contacted XXXX XXXX about a refinance of our home. They put me in touch with Nations Lending. We had just been through a huge ordeal with another mortgage company. So I called Nations Lending and ended up with XXXX XXXX. I made it clear that we a foreclosure that was a few months away from the seven year period. We discussed loan options and we got a quote over the phone. We were assured that foreclosure was not a problem because it was so close to being over with. We were given an option of a 15 or 20 year refinance. We decided on the 20 year loan at 3.87 % for a payment of XXXX a month. The paperwork we were sent was not even close to what we were quoted on the phone. When I told them I wouldn't sign the initial documents XXXX XXXX said it didn't matter " Only the final documents mattered. " Then things went downhill fast. We went from being told the underwriters said everything is going great. We should be closing very soon maybe a week or two. To XXXX getting a really bad attitude. So I contacted the person that was his supervisor XXXX XXXX. I informed her what was going on. XXXX said she would find a loan that would work for us. When she called back she said the " Only loan " she could offer us was a thirty year loan. This new 30 year loan was going to be way more than the 15 year loan choice they gave us at the beginning of this nightmare. XXXX said no reputable company could even make the loan we were quoted by the first company ... But the strange thing is the loan we were told about on the first call with Nations Lending was only about {$10.00} a month more than the first company. I sent her an email saying this whole loan situation sounds to me like a " Bate and switch deal. And no thank you. Now they send me a letter of credit denial, termination, or XXXX. With the box under Credit portion, garnishment, attachment, foreclosure, repossession or collection action or judgment, box checked. We told Nations lending NO and now they are sending us this letter that they are refusing us. This is a case of them trying to stick us because we wouldn't give into unethical business practices.
Consumer complaint received 2019-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this  information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

I demand the following accounts be verified or removed immediately.
Consumer complaint received 2021-07-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc. (KY)

I've been receiving statements for over 9 years, from a Paper Error with XXXX XXXX XXXX XXXX Real time solutions apparently was the buyers of XXXX XXXX Debts while they were in Bankruptcy, My bank sent me a letter EXHIBIT ( 1 ) XX/XX/09 Stating my Mortgage payment was not being accepted from Auto pay, and they tried 2 times, So I called and the number was no longer in service, I didn't know at the time what was going on XXXX of XXXX, I receive a Summons for Court for Four closure on my Home of 40 plus years, I received no Notice of default, I wasn't even in delinquency for a forclousure. ( EXHIBIT 2 ) I had enough money to pay a bank ( Exhibit 3 ) if there was a error, I could of paid up the Mortgage payment if I had been informed of the Auto payment error. I finally saw on the News of a ROBO signing error from XXXX XXXX XXXX, ( EXHIBIT 4 ). and everyone involved was getting a Mortgage Forbearance, that was all good until I noticed they added on Attorneys fees and late payments, for an error that was not my fault. ( EXHIBIT 5 ). with that issue in mind, I opted out of the ROBO signed house mill and started looking for an Attorney, While tirelessly looking for an Attorney, my House was sent to the Commissionors office without me knowing about it and given to a Broker to sell ( Exhibit 6 ), I was notified by a friend who was a broker that my house was sold. I never found no evidence of a Auction ( Exhibit 6-1 ). I was then contacted by the alleged buyers and told I had to move, I begged them to stay and had to rent my STOLEN HOME for 9 months, until I decided to find a buyer to buy it for me until I can clear my Identity theft. I found a buyer and they bought my home so that my family and I could stay in our home. ( Exhibit 7 ) Which brings me to Part 2 ( Cover letter to Realtime Solutions ) ... I have been receiving bills from REAL TIME SOLUTIONS for over 9 years for my home that was Stolen by error and sold, ( Exhibit A-A1 ). I contacted RealTime solutions 2 times to stop billing me ( Mail Fraud ) Cease Decist from collecting on a bill That I don't owe due to The Breach of Contract with XXXX  ... .I need help with clearing my name.
Consumer complaint received 2023-01-20
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: ENCORE CAPITAL GROUP INC. (FL)

I am writing to delete the following information on my file. The items I need deleted are listed on my report. I XXXX be a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

Unresolved Savings Account : I requested Citibank to close my savings account XXXX months ago, but they still haven't taken action. This has left my account in an open state, causing me considerable distress. 

Held Balance : Additionally, there are still a few dollars remaining in my account that are being held, meaning I am unable to access this money freely. 

Blocked Phone Number and Email : Apart from the account issues, my phone number and email have been blocked by Citibank, preventing me from using XXXX Pay functionality at a new bank. This limitation has significantly inconvenienced my daily life over the past XXXX months. 

Unsatisfactory Branch Visit : When I visited the Citibank branch in XXXX XXXX, XXXX, seeking assistance, I received a perplexing response from an employee. She suggested that I ignore the remaining balance of a few dollars and simply leave the account as is. This advice left me puzzled because, as a bank customer, I expected them to take my concerns seriously and provide solutions, rather than dismissively suggesting I ignore important details. 

Furthermore, I was dissatisfied with the excessive time the employee took to assist me during my scheduled appointment. She had already exceeded the allotted time while serving the previous customer. After only servicing me for half an hour, she claimed her schedule was full and asked me to leave. I had waited for half an hour during my scheduled appointment time and ultimately did not receive effective assistance.
Consumer complaint received 2021-07-26
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 have submitted disputes several times to Experian/Equifax and Transunion and no one is responding ... There has to be some kind of law that helps us consumers out when we are submitting disputes to the credit bureaus. I want these items investigated and deleted from my credit report. Thank You, XXXX  XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERFIED ACCOUNT- UNVERIFIED ACCUNT XXXX XXXX XXXX -NOT MY ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX  XXXX XXXX XXXX XXXXXXXX - NOT MY ACCOUNT XXXX XXXX XXXX XXXXXXXX -NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XX/XX/1979