davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

In XX/XX/XXXX2019 my mortgage was sold to New Rez LLC.XXXX  XXXX XXXX. XXXX   XXXX  XXXX  XXXX, PA XXXX. www.newrez.com. We had no issues for the first few months until XXXX  2019. They kept telling us our payments were stopped because XXXX  XXXX told them we had insufficient funds (NSF Fee Assessment). When we called XXXX  XXXX  to see what the issue was (we had the money in the account) they have NO record of New Rez attempting to take payment. Also, New Rez charges us $XXXX per NSF payment because they say that is what XXXX   charges them. Everyone I have spoken to at XXXX  says no that is not true. So if New Rez has millions of clients (as they say) and they are charging them all these fake fees then they are making millions by committing fraud. When I call New Rez and ask them to send me PROOF that they are charging my account they tell me to email XXXX. Why would I email someone my bank account AND routing number? What type of lender asks you to do that? Also, is the company New Rez or Shell Point? This company is SO unprofessional. They are committing fraud by charging me fake fines and my only option is to refinance my home. That is the epitome of a scam. When you XXXX  their company there are hundreds of people with the same exact problem! They should not be in business, this is NOT right.
Consumer complaint received 2021-11-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Motors Financial Company, Inc. (MT)

gm financial hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to repossess a XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2021 at my home address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX i was not home at the time they left no paper work at all so i could not contact anyone. i finally got ahold of gm financial got the number XXXX i called the guy for XXXX left numerous messages, told i had the key, we played phone tag and i could not get ahold of him. my wife called to and left a message the XXXX asking them to send me the repossession paperwork and she also stated we had the key. i got a certified letter on the XXXXXXXX-2021statinf their would be a 50.00 handling fee and 5.00 fee a day for storage for 30 for unclaimed property. i called 0n XXXX-2021 asked for a prepaid envelope so i could send them the key i also stated i did not want any of the personel back a phone charger blanket and 2 camping chairs. i was than told they cut i key already and i would need to pay the 200.00 fee. i notified them i had the key and i am disputing these charges. they should have legally left me the paper work on the XXXX-2021.
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (OH)

To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (VA)

I am the financial POA for a friend who has been recently diagnosed with a terminal illness and is completely physically XXXX. I attempted to close her checking account on XX/XX/22 with Wells Fargo and they refused to allow me to do so because it is jointly titled with her mother, who is listed as the " primary '' account holder. Her mother died over 15 years ago and the bank is demanding a copy of her mother 's death certificate to allow me to close the account. It is my understanding that each joint account holder has equal rights to conduct any activity on a jointly held bank account. I don't have the time, energy or interest to track down a death certificate for my friend 's mother, particularly since there is no legal reason for me to do so. Wells Fargo is preventing me from exercising my legal right as financial power of attorney to close my friend 's account. They have the XXXX document and recognize it as valid. The account only has a {$9.00} balance. My guess is they just want to keep charging bank fees, sending the account into overdraft status, to artificially boost their balance sheet. The local branch XXXX filed a complaint internally on my behalf but the situation has not been resolved. They also stated I could not close my friend 's safe deposit box at the bank for the same reason. I guess in the long run account and safe deposit box fees will pile up and it will get reported to the credit bureaus. My friend is completely incapacitated in the hospital and can not advocate on her own behalf, but I have full authority so I don't guess it matter to the bank. Just another instance of scheming to maintain bank accounts to the detriment of their own customers. Quite heartless!
Consumer complaint received 2023-06-13
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. (OH)

In accordance with the Fair credit Act. The list of accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account Without my written instructions.

15.U.S.C 1681. C ( .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 or crimes which antedates the report by more than 7 years.

15. U.S.C 1681 S- ( 2A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
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: Self Financial Inc. (IL)

Im accordance with the fair credit reporting act these accounts have violated my rights under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 604 A section 2 a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open consumer credit plan as a late payment for any purpose.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX you replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX Appalled by that information, I went directly to ( XXXX ) and in response to my inquiry they claim to have never VERIFIED the Bankruptcies with Transunion. I also have a email from ( LCI ) stating they did NOT provide Transunion with my Bankruptcy information. This would mean that the bankruptcies is by law considered XXXX. 
In XXXX, and XXXX Transunion used XXXX to verify Bankruptcies per TRANSUNIONS website both of my Bankruptcy were filed in XXXX, and XXXX. There is no way XXXX could of provided Transunion with this information. XXXX do NOT have any Bankruptcy for me in their system. XXXX attaching a letter form XXXX as well stating they do not have any Bankruptcies in their system for me. 
I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

I have enclosed the email from XXXX for your inspection, and a copy from Transunion website stating that they started using XXXX in XXXX, XXXX. Please DELETE both of the Bankruptcies from my credit reports as it is NOT verified!
Consumer complaint received 2023-08-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Colony Brands, Inc. (TX)

Last year 2022, I had someone help me with my credit and they asked me to call Montgomery Wards and find out why they still had me on my credit report. 
I had called Montgomery Wards between XXXX - XX/XX/2022 and I asked they why they still had me on my credit report, because I need received anything from Montgomery Wards. They should the same thing and I had requested them to send me a letter stating that they would take me off my credit report. I went to go and try to get a house this past weekend and Montgomery is still on my report. I don't know what else to do to get them to come off my report. I need some help from someone or need some advise. Please! : )
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called XXXX to remove the inquiries that were not authorized by me and was told to call the company who created the inquiry in which I have already done so. I requested the following inquiries be removed as it is erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2017-07-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: M.L. Zager P.C. (NY)

I have an account with my daughter, not only was it her student loan money the account had under XXXX dollars, which by New York State law is exempt and the creditor can not take this money. Also on the NYS Collecters Association there is an explanation on how certain money in the bank is exempt. I explained to the bank and the third party creditor and none of them knew this law existed. I believe the money was taken out against the New York State Levy Laws.
Consumer complaint received 2019-12-03
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


01 XXXX XXXX XXXX XXXX {$190.00} XX/XX/19 Inquiries : XXXX  XXXX  XXXX  XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. I been with this company since I was XXXX XXXX XXXXthis have been the second time I went to the bank customer service had ask me am I sure I have any account with them.this is why I close my saving and only have a checking with this bank.today I went to the bank I did not even get to deposit the money into my account.doing my closing for my XXXX house on Monday as soon as I am done I will be closing this account.some of the people that is working at some of the bank make a lot of people to close their account.that explain why my parents close their account.
Consumer complaint received 2021-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I consumer XXXX XXXX is not obligated to pay any debt under the provisions of XXXX XXXX XXXX  ( 3 ). CAPITAL ONE has violated my federally protected consumer rights. CAPITAL ONE has reported my personal non public information to the consumer reporting agencies of debt that I don't owe. This is a violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The consumer must have an option to OPT out of credit reporting before such information is reported, CAPITAL ONE did not give disclosure of documents to opt out of reporting. According to the CFPB 's handbook XXXX XXXX Incentives and Disincentives. Reporting to credit bureaus and other consumer reporting agencies by CAPITAL ONE  is voluntary and CAPITAL ONE has taken advantage of my federally protected consumer rights. I've sent a Cease and Desist several times and CAPITAL ONE believes the only form of communication is by telephone. CAPITAL ONE admits to follow the cease and desist but refuses to follow federal law of XXXX XXXX XXXX ( c ) - cease all communications except to inform the consumer that they will cease collection activities. Pursuant to XXXX XXXX XXXX  ( 2 ) the term " communication '' means the conveying of information regarding a debt directly and indirectly to any person through any medium. This means that CAPITAL ONE can not send ANY communication regarding debt in any way in which makes CAPITAL ONE in direct violation of a cease and desist in place that was sent and received. It was demanded of CAPITAL ONE to validate alleged debt under the provisions of XXXX XXXX  1692g and CAPITAL ONE has failed to due so or respond to several Affidavits of Truth line by line.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report and needs to investigate in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00}
Consumer complaint received 2021-11-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (CA)

I'M receiving email from an repersentative of XXXX XXXX XXXX XXXX XXXX ( current creditor of original XXXX XXXX XXXX account ) this email is from an repersentative of true accord to collect on a debt of an huge amont which was never borrow such amont.
Consumer complaint received 2023-03-15
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. (FL)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: World Acceptance Corporation (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2019-12-03
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)

Since XX/XX/2019, I try to eliminate errors in my credit report from XXXX, Experian, XXXX. They present certain debts which I do not recognize and according to the law I decided to dispute those accounts. I have sent a number of letters asking to verify why these accounts are being reported under my name since I don't know any of these companies. I even went directly to these companies and I ignored my letters, I never received a response from them. I let XXXX, Experian and XXXX  know and they only replied that they had been verified. I ask for evidence of that and I don't answer either. I'm already tired of these companies doing what they want with humble people and damaging their credit report with false information. XXXX, Experian and XXXX  show accounts that I never had with companies I don't recognize : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX. I hope you can stop this injustice.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: I.C. System, Inc. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2019-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

I sent initial dispute through CFPB and I got a respond of validation shown me screenshots of a billing statement. Southwest Credit says that XXXX says the debt is valid. Okay so I am asking for you to provide me with the contract that bears my signature with XXXX If you are unable to provide that I am asking that you respectfully delete immediately
Consumer complaint received 2019-01-26
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: Applied Business Services, Inc. (GA)

I have just been denied credit because of a negative medical debt reported on my credit file by XXXX XXXX and XXXX. I have tried repeatedly to get XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX to verify an negative item they reported to XXXX to verify this debt per the FCRA. I have also repeatedly asked XXXX to verify this negative information as well, but XXXX claims they have verified this. Obviously XXXX is not doing a reasonable investigation per the FCRA and not sending me any documentations to prove that. Neither is XXXX XXXX XXXX. In Accordance with my Federal Rights I am entitled to this information and if it can't be provided this information is to be deleted.
Consumer complaint received 2024-03-15
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. (GA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.