davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute particular records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm contesting have nothing to do with any transactions I've done or approved in order to obtain products, services, or money. Please delete the following ITEMS. 
XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Fraud at USAA FEDERAL SAVINGS BANK EX-Spouse collected stimulus of {$1400.00} XXXX XXXX XXXX I have stated numerous claims to this institution regarding Identity Theft and Fraud with personal information. 

The claims go unresolved.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement.
Consumer complaint received 2022-12-30
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. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

XXXX XXXX hasnt updated my account and continues to report this account not paid when I paid the amount through their debt collection agency Wakefield and associates on XX/XX/2022. They have yet to report to the credit bureaus that this account is settled.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Express Recovery Services, Inc. (UT)

Express recovery services under section 623 A as the data furnisher continues to report using the E-OSCAR system information that is NOT 100 % complete or accurate. I am on state XXXX and I was notified by the UTAH XXXX office it is illegal for XXXX  to report any XXXX related billing issues to the credit bureaus. Several violations have been committed under the FCRA, HIPAA and the FDCPA.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2021-03-19
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. (CA)

XX/XX/2021 I am very upset having to do this for the second time. I sent a letter letter regarding inaccurate information on my credit report which resulted in my credit score dropping 134 points and still till this day 45 days later I have still yet to hear from the credit bruros. I know my rights the credit bruros have 30 days to reply or delete the invalid information.
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA FEDERAL SAVINGS BANK XXXX XXXX XXXX Amount XXXX HOLD ON ALIMONY/CHILD SUPPORT CHECK LONGER THAN FIVE DAYS. 

Confirmation XXXX XXXX XXXX Bill Pay XXXX
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

I had place temporarily security lift with experian but then I removed the lift and wanted to freeze my credit. But now experian is asking me to send details through mail. I dont want to do that as I was already a victim of identity theft before.
Consumer complaint received 2022-12-30
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, 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 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX under section 623 A as the data furnisher continues to report using the EXXXXOSCAR system information that is NOT 100 % complete or accurate. I am on state XXXX and I was notified by the UTAH XXXX office it is illegal for XXXX to report any XXXX related billing issues to the credit bureaus. Several violations have been committed under the FCRA, HIPAA and the FDCPA.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX under section 623 A as the data furnisher continues to report using the E-OSCAR system information that is NOT 100 % complete or accurate. I am on state XXXX and I was notified by the UTAH XXXX office it is illegal for XXXX to report any XXXX related billing issues to the credit bureaus. Several violations have been committed under the FCRA, HIPAA and the FDCPA.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one closed my account stating fraud I did nothing fraudulent I would setup promise to pay and my check wasnt in there at the time they would take it so when I received my money I paid them I cant control when my money gets in the account at what time the crazy part I would call to pay and they system wouldnt take payment. Had to wait to there system show it returned this happen all the time. They wouldnt allow me to pay with debit card even told them a few times my account was hacked so my account was being changed they still didnt care I called and told them everytime So Im not understanding I also was told the late payments they reported would be removed because I was impacted due to Covid and they said they waived and would update my report but they didnt I see it shows 60 days late. I wanted my account to stay open since Im trying close on a house this has hurt my chances so Im asking them to consider leaving it open. I dont use my card but pay a bill then pay it off the XXXX thats show Im paying but would like my card to stay open
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

Collections is not from original creditor all the collections on my credit report is violating the laws. '' I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravers ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CARD Corporation (OK)

i get my paycheck direct deposited to card, com inoticed a charge i didnt make i contacted them we changed my pin i tried to log in to see my account i was locked out i contacted customer service and because i couldnt get into my XXXX  for 10 because of not knowing my password and changing numbers XXXX dollars was spent out of my account and i authorized nobody to use my money they killed my card and sent me a new one i have both cards and never have not had both cards they tell me no error was found and are trying to keep my money
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (PR)

On Saturday, XX/XX/2024, through the XXXX app, I applied for a small loan. Previous continuing the application, I tried to reach someone as I had questions, and it was kind of difficult to me to understand the website. Because it was Saturday, I didnt reach anyone, but I continued the application, using my brothers address in Florida which was approved. 
Researching on the main website of Onemain, again, because everything was done through XXXX app, I read that the loan its specific for some states. Thats when I knew the application wouldnt go forward as all my documents are from Puerto Rico. 

XXXX, from the office of Florida, reached me on Monday, XX/XX/XXXX to keep forward the application but when I told her that I live in Puerto Rico, she told me she must withdraw the application even if its was approved as Im out of the state. I agree but I requested her, then, to please remove the inquiry because I tried to reach someone previously and no one answered. 

She told me that I needed to reach XXXX and request it, which I told her thats not how it works, but I did it anyway. 

On XX/XX/XXXX I was reached by XXXX, and they told me the same thing I told XXXX, that its the company that has to send a letter to the credit bureaus ( XXXX and XXXX too ) requesting the removal of the inquiries. 

I sent a letter to OneMain financial that I would appreciate the help on removing this inquiry in both XXXX and XXXX as Im working towards mt credit and it was XXXX and their website not clear in whom can apply for the loan. 

Again, I wanted to be oriented but no one was available. The loan was approved but withdraw by them. 

Today I receive a letter, a plain letter, not stating anything just that I authorized the inquiry. I knew that I would be approved as I have good credit, but without the whole information of who can or cant apply, I was affected.
Consumer complaint received 2021-03-19
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. (TX)

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravers ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (DC)

XX/XX/2020 Hunter Warfield reapplied a XXXX balance onto my profile ; after paid credit repair. No letter of reinsertion or email or current phone contact was giving no other accounts are reporting from them and provided email to collection agency that all other balances were deleted. Also XXXX  XXXX   XXXX  denied my report for fraud after I had proof I was assaulted by my boy friend and how he used my information to complete purchase with my social online, and complaint was ignored.
Consumer complaint received 2022-12-30
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, 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 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

This is a follow-on to my original complaint cfpb # XXXX I have a mortgage on a single-family home that is serviced by Shellpoint Mortgage Servicing. I am behind on my mortgage payments. 

In XX/XX/2021, I was offered a XXXX XXXX by Shellpoint. Although this was a wonderful opportunity for me to get caught up, the plan did not include any documentation explaining how the amounts were calculated. The amounts required by the plan seemed to be more than what I owed. The plan allowed me to file an appeal. I filed an appeal with three items. In mid-XXXX, I received a response to my appeal that addressed two of the items I listed in my appeal. On XX/XX/XXXX I sent a follow-up email reminding Shellpoint that not all of the items in my appeal had been addressed. 

The new year began but there was still no response from Shellpoint, so I sent another email in XXXX asking them for a response to the third item in my appeal. To my shock and dismay, I was then informed that my repayment plan had been revoked and was no longer valid. 

Shellpoint now refuses to honor their offer, even though I carefully followed the rules that were stated in their offer.
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a Capital One Savor Rewards credit card on XX/XX/XXXX. The terms state that for annual fee : " {$0.00} intro for the first year, {$95.00} after that ''. On XX/XX/XXXX, I was charged the {$95.00} annual fee. In XX/XX/XXXX, I called to change the account to Capital One Venture credit card, which has XXXX annual fee. At the time of the product change, I was told they needed to check whether I would be eligible for the annual fee refund, and would email me. I never receive any such email. On XX/XX/XXXX, I called again, only to be told I would not get any annual fee refund. 
I find the situation highly irregular, given that I essentially paid for an annual fee for a card that I no longer own.
Consumer complaint received 2021-03-19
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. (NY)

I had XXXX XXXX Which i canceled on XX/XX/2020. After Due to covid-19 everything was shut down. I was not able to return Equipment 's to XXXX. 
Finally I returned equipment 's to XXXX on XX/XX/2020. But i had Dispute with XXXX they Asking {$600.00} But According to Me it was {$330.00} Finally they took {$330.00} from my checking account and sent me satisfactory letter. which i will attached with complaint. Last month an half i was trying to request all 3 Credit Bureaus to delete this account but every time they come up with very unique excuses. 
Which doesn't comply accordance to FCRA
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (GA)

Nelnet has falsely reported me to the credit bureau on financial aid I did not receive. I have sent the documents to them repeatedly. I had a XXXX XXXX, XX/XX/2014 - a few weeks after XXXX closed the doors on us in the middle of taking a test toward graduation and had already received money from the finance department of student loans and XXXX XXXX. No money was ever given to me. I have attached the documents and emails from that time period. 

This link refers to XXXX lying to XXXX students stating they would transfer the credits and we would graduate on time. A Blatant Lie. They also took money and nothing happened. They didn't transfer the credits and I have emails to prove it. I withdrew from the school and never completed classes based on the consistent lies and not being forthcoming. These folk caused me to have a XXXX XXXX with the scheming and scamming. I was a XXXX student at XXXX and made the XXXX XXXX List repeatedly. I lost hope in the system of furthering my education. Nelnet came in and have also made promises and not delivered. I have not taken these folk money and I don't owe it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NY)

I XXXX XXXX NEVER GAVE THESE Innovis XXXX XXXX ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT!!!!! Innovis XXXX XXXX IS BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS!!!!!!
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (DC)

XX/XX/2020 XXXX XXXX reapplied a XXXX balance onto my profile ; after paid credit repair. No letter of reinsertion or email or current phone contact was giving no other accounts are reporting from them and provided email to collection agency that all other balances were deleted. Also Global lending service denied my report for fraud after I had proof I was assaulted by my boy friend and how he used my information to complete purchase with my social online, and complaint was ignored.
Consumer complaint received 2024-04-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I deposited a check via mobile app and it reversed and is showing an administrative hold for a very long time. This is a reg cc violation and I will pursue punitive damages. 

The check needs to clear on the next business day like it always does. Nobody will tell me why there is a hold and I can not /will not wait that long for the check to be cleared into my account. It is a check from a XXXX XXXX XXXX account that currently has a positive balance in the millions and has been verified Therefore XXXX morning I expect to see my deposited check reflecting on my balance
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

My mortgage on my home was paid off on XX/XX/20. XXXX sent a faulty Discharge of Mortgage to the County Clerk, and so it was rejected. Since XX/XX/20 I have been asking XXXX to provide a corrected Discharge of Mortgage, but they seem to be unable to accomplish this, and they do not allow me to speak to the parties involved. 

This is very serious, because I have been approved with another lender to refinance the house ... but I can not close, due to this old mortgage, which is paid off, but still showing on record. Meanwhile, I am losing my loan approval with the new lender, I will have to pay for a new appraisal, the rates are rising ... so this Shellpoint delay is costing me a lot of money.
Consumer complaint received 2020-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

THIS COMPANY IS WELL KNOW FOR SCAMMING PEOPLE. THEY ARE REQUESTING {$3700.00} FOR BANK OF AMERICA. I HAVEN'T BEEN INVOLVED WITH BOFA FOR MORE THAN 20 YEARS AND NEVER EVER HAD BAD DEBT WITH THEM. XXXX XXXX XXXX IS A HORRIBLE SCAMMER, PULL THEIR INFORMATION FROM XXXX XXXX XXXX, AT LEAST TRY.