davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CT)

COMPLAINT ID XXXX I do not accept the response from the mortgage company regarding this complaint. They are in the wrong and should be made to remove the negative reporting off my credit report. How can they get away with this? And how am I protected by not being able to respond to their response? I reached out to them to make a payment. I told them tell me what I need to do to make a payment. they delayed and delayed while i reached out trying to find out what's going on. pleading to let me know something so that this would not happen! This is a sin that myself, as the consumer, middle class- we get screwed up the most! This one seemingly small incident has effected me horribly! And again, I did nothing wrong! I followed the rules! We are NOT protected! I reached out so I could start making my payments again. I wanted to get back on track. I identified that I did not want to have any negative impact on my credit as I had done everything I was told to do the right way, etc. and the company did wrong! How can a company get away with this!? This is not fair to the " small '' consumer! They just get to apologize for their mistakes, but are not willing to fix anything?! This has impacted my life in such a negative way, but does not harm to them whatsoever! They were WEEKS late at getting the documents out to me, they were days late with wrong information regarding the regulations. Not to mention I was told by this company, their loss mitigation " specialist '' that nothing would be reported while working on the new program/modification!? This is a disgrace to the consumer! How am I protected when they can get away with this??? It's right there in black and white! " No, you will not be reported '' " Sorry it is taking so long '' And me asking, begging, pleading for an answer so this would not happen! We consumers are NOT protected if only the company gets to respond without the consumer 's rebuttal! What an absolute disgrace. NewRez/Shellpoint mortgage should be ashamed of themselves for their practices and customer service!!! Imagine a customer saying one thing and doing another? Our lives get ruined!!!
Consumer complaint received 2020-03-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (CO)

In XXXX of 2019 I noticed a debt for {$620.00} on my credit which i believed was mine I thought speedy cash had bought one of my old debts and sold it to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and after several attempts of giving my full name, nothing came up in their system. I gave my social and the rep said the account popped up but DID NOT tell me that the account was under someone elses name and continued to let me make a payment. The payment was for {$120.00}. Confirmation number-XXXX. After realizing it was not my account, I called back to get my money back and inform them of the mistake. I was told i needed to mail them an FTC report and dispute letter to get my money back. I completed all of this and when i called again they said they transferred the account back to speedy cash for fraud review and I would need to contact them. After contacting them i was again told that i can not get my money back. The issue im having is this representative at XXXX XXXX played blind to obvious fraud and let an innocent person make a payment on someone elses debt and i want my money back.
Consumer complaint received 2020-03-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (MO)

I have been contacted by UCB ( United Collection Bureau ) 10+ times by phone and each time during my work hours of XXXX-XXXX and each time I have made them aware I am at work and unable to communicate. Each time an associate apologizes and states they will note the system to not call me during these hours. I have advised them they are harassing me and that I want it to stop. The last supervisor I spoke with told me the calls would not stop during this time or any time of the day until I paid and if I did not pay or set up an arrangement that a warrant would be sent to me.
Consumer complaint received 2023-12-29
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. (AL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately deleted and removed on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian, XXXX, XXXX XXXX credit reporting agencies are all reporting incorrect information on my credit report that is preventing me from obtaining credit. They all show that I filed bankruptcy. This information is inaccurate, I have written them letters and asked for proof of validation for this information which they have failed to provide. I have also asked each credit reporting bureau to remove this from my credit report as well. I ask that the CFPB please step in to have this information removed from my credit reports.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX, Trans Union credit reporting agencies are all reporting incorrect information on my credit report that is preventing me from obtaining credit. They all show that I filed bankruptcy. This information is inaccurate, I have written them letters and asked for proof of validation for this information which they have failed to provide. I have also asked each credit reporting bureau to remove this from my credit report as well. I ask that the CFPB please step in to have this information removed from my credit reports.
Consumer complaint received 2023-01-16
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. (FL)

*THIS IS NOT MY ACCOUNT *I DID NOT AUTHORIZE ANYONE TO USE MY NAME TO OPEN THIS ACCOUNT I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX  and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C/C Financial (FL)

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.

1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.
Consumer complaint received 2023-01-17
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Vehicle disappeared without notice from creditor. I do not have any information on this vehicle on who took the vehicle or what happened to the vehicle after it was taken. I did not receive any documentation. Therefore, I would like to have the vehicle removed from my credit permanently. It is hindering my progress in moving forward. It is causing XXXX, XXXX XXXX and XXXX because I have been trying to get this resolved for years. With no resolution or answers.
Consumer complaint received 2019-12-02
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: Exeter Finance, LLC. (IL)

I checked my credit last week because I was preparing to buy a house and I noticed someone has been using my credit to obtain accounts I do not know how they obtained my information. This activity began in XX/XX/XXXX and continued until XXXX of this year. I will be placing fraud and security alerts on all my credit bureaus. 

Accounts Exeter Finance LLC Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX XXXX   XXXX Acct number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX  XXXX XXXX Acct number : XXXX Date opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXX Acct number : XXXX Date opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Acct Number : XXXX Date opened : XX/XX/XXXX Balance : {$410.00} XXXX XXXX XXXX acct number : XXXX Date opened : XX/XX/XXXX Balance : {$.00} XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Inquiries XXXX   XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/ XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX   XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/ XXXX XXXX  XXXX XX/XX/XXXX XXXX of XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-02-24
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: Experian Information Solutions Inc. (IL)

I have been sending disputes to Experian since XXXX  about my identity theft. This has been the worst experience as I am trying to get back to normal. 
XXXX removed the items from my report. Attached. Everybody did an investigation and the other credit bureaus deleted it. What information do you have that these items are accurate? I have been requesting since XX/XX/ for them to send me what they have to prove that these items are accurate, and they have not. Here is the list of the accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The company has not removed the fraudulent, unverified accounts from my credit report ; instead they " Certified '' the accounts are current and in good standing which is not the case. The company deleted only 1 of the disputed, unverified and fraudulent accounts despite the fact that I have provided a FTC Affidavit and a police report precisely naming all the accounts that are fraudulent on my credit file.. 

Also, how could the accounts come back as " verified '' and " certified '' with Experian when XXXX and XXXX were unable to validate or verify the same identical accounts, confirmed them as being fraudulent and followed the protocol for Identity theft victims and promptly deleted them all from my credit file? I find that highly suspicious so I am providing a copy of my credit file from both bureaus as proof along with the FTC report and Police Statement that clearly indicates which accounts are fraudulent. 

If the items are not removed, I fully intended to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the remaining unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report. 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 any and all of the following accounts be removed from my credit report
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (GA)

I received a statement on a credit card account dated XX/XX/20 and I did not apply for the account. U. S. Bank charged a fee of {$450.00} to establish the account. I immediately contacted U. S. Bank and cautioned them that I did not ask for this account and I would not be responsible for the membership fee or any charges made against the account. I began to research how the account was opened, where the account information about me came from and U. S. Bank 's complicity in this attempted fraud.
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: Experian Information Solutions Inc. (FL)

Experian, Please see attached complaint, Drivers License, and social security card - we need to remove the below statement from my credit report : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

I'm unaware of the debt reporting to my credit report under CSS Companies. I did not have an opportunity to dispute this information in fact if the company believes they sent me proper notification I have asked for a certified receipt that I signed for the documents and never received anything since XX/XX/year> through the XXXX  complaint file # XXXX. This is a violation of the FRCA and I want this unknown debt removed immediately.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (NJ)

I never initiated any transaction with Caine & Weiner ( neither XXXX XXXX or XXXX XXXX ), and I dont have a contract with Caine & Weiner XXXX They reported a debt I do not owe onto my consumer report while simultaneously harassing me and trying to coerce me into paying an alleged debt. I asked for proof of the alleged debt. Caine & Weiner did not verify the debt and continued negative reporting ruining my credit score. They violated my consumer rights and was made aware of it in writing. They didn't care, they parked the debt on my consumer report. This company has violated and abused debt collection practices, and they have also defamed my character.
Consumer complaint received 2016-09-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

We have a client in distress we have submitted XXXX offers to the bank we call in every week to check on the status the negotiators " are n't available '' we get have answers and are not properly informed of what is needed on the file. Everytime we send in a document the have XXXX days to review the document and if they need something further they mail the request to an empty house instead of reaching out to the attorney and individual in our office handling the file or heaven forbid telling our office what they need when we call in. We have lost XXXX buyers and about to lose a XXXX buyer because of delays and lack of ability for SPS to move forward appropriately and work with us on getting this file completed. They have no concern for the homeowner and not desire to work with the seller in getting this completed. They wo n't fax a request, call us or email us. They send their request to an empty house.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NC)

I asked about the available rate for an equity loan of {$50000.00} ( they initially offered over {$100000.00} ) ; and XXXX XXXX refused to answer. She refused to transfer me to someone who could. She hung up on me after being unprofessional.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MI)

Company is called XXXX XXXX XXXX. They have called claiming I opened credit cards in XXXX that were paid on until XXXX. They called on multiple occasions claiming XXXX different credi cards but with the same amount owed and the same claim of them being opened in XXXX and paid on until XXXX. XXXX claim was a XXXX XXXX, the other a XXXX. I never had a XXXX XXXX card until XXXX, which I currently have and my payments are made on time every month. I have never had a XXXX card. My credit has been monitored for the last XXXX yrs as I have been trying to rebuild. These claimes have never been on my credit report. I had bad credit at the time this company is claiming these accounts were opened. They also claim my XXXX who was in prison at the time are on the accounts. These are completely false claims. There are multiple statements on reddit from people claiming this company is harassing them on false debts as well. They have minimal information like the last XXXX of my social, threatened me with wage garnishment from a job I haven't worked at since XXXX. I have worked very hard to rebuild my credit and my life and I will not be threatened with false debt by scammers.