davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

credit bureaus allowed an incorrect account to be REplaced back onto my credit profile. They allowed the company that was found to be inaccurate and was removed, now they have allowed the same inaccurate account to be replaced on my credit report from a so called " sold account '' to a different collection company. The item was found to be inaccurate and was removed. The new collection company, NEVER sent me any correspondence. They simply placed an inaccurate account on my profile without reaching me with mailed correspondence.
Consumer complaint received 2021-06-14
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. (MS)

on XX/XX/2021, i sent XXXX, equifax, and XXXX  letters requesting the validity of the inaccurate items they are reporting on my credit report and the inaccurate personal information that they will not update that may lead to identity theft.i sent it off certified mail and the number is XXXX  # XXXX EQUIFAX # XXXX XXXX  # XXXX this is stressing me out and keeping me from getting a home
Consumer complaint received 2024-01-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: GOLDMAN SACHS BANK USA (TX)

Good day. 
I have a money market account with Goldman Sachs Marcus. The account number is XXXX. This account is intended for saving purposes and not a credit card or checking account. 

XX/XX/2023, I noticed debits from XXXX XXXX checking accounts ( personal and business ). The business account number was not linked to Goldman sachs, so this was very questionable. My XXXX  accounts show Goldman sachs debiting these accounts odd amounts. A XXXX representative advised me that Goldman Sachs attempted to debit the business account in the amount of {$10000.00} in XXXX but it was rejected due to insufficient funds. Then in XXXX, my XXXX checking accounts were hit over and over again. I filed claims, placed alerts on my accounts, and closed the accounts. 

On my XXXX transaction history, it shows the debits were Goldman Sach 's collections. I don't have credit accounts with Goldman Sachs. I contacted Goldman Sachs who advised me they see the transactions but couldn't discuss with me. My online access was also blocked. Goldman reps told me management must review. 

This is still is not resolved. My Goldman sachs account is negative which makes no sense. I am attaching the statements forwarded to me. My balance should be {$10000.00} per the XXXX statement. 

I filed verbal claims with Goldman sachs and reported the matter to the FBI as fraud is ongoing. Goldman Sachs has allowed this matter to continue.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against ( WF CRD SVC ) for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report as shown in attached exhibit A. This is false and misleading.

I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. 

Im also aware that once a debt is cancelled, it now becomes gross income.

Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness.

Was a 1099-C filed on this account? If so, I never received one.

I am aware that a 1099-C must be mailed to consumers by January 31st the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C.

Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2.

If WF CRD SVC has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt.

Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, IRS, in accordance with XXXX XXXX, and XXXX conversions. 

If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
Consumer complaint received 2022-05-05
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. (TX)

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX, XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 
I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXX XXXX XXXX XXXX, Tx XXXX, never at any other address on my credit report. I have attached a copy of my DL, Bill for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

Beginning sometime in XXXX someone opened an account in my name in another state with USAA bank and began depositing and cashing forged checks in my name, I began receiving letters at my home from USAA about ME bouncing these checks and eventually them wanting payment for charges on these checks bouncing. I contacted them several times by phone to tell them this was ID fraud and it wasn't me to no avail. I then opened an account with identitytheft gov and followed the steps including sending them two letters notifying them of the fraud and they refused to respond
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

I haven't had a new purchase in XXXX months. On XX/XX/2022, I received a statement that I ower {$180.00} on a balance of {$0.00}. I called customer service and they agreed to retract the balance. On XX/XX/2022, I received another statement that I owed a balance of {$370.00}. I am incredibly frustrated with Bread Financial. This is the second claim I've opened with CFPB and I hope that the Bureau opens a serious investigation into this financial organization.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-02-24
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-02-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Westlake Services, LLC (KY)

I paid my lease off on XXXX, and was trying to make arrangements to purchase the vehicle and extend my payments. I made several trips to the Courthouse to renew the registration but the Courthouse in XXXX XXXX, Kentucky wasn't able to renew my registration or give me a sticker for the vehicle. I made several trips from XXXX to XXXX to try to renew this registration with no luck. I called Westlake Portfolio Management ( WPM ) everyday about this matter but they never resolved the issue. I explained to WPM that if I can't register the vehicle, I won't be purchasing it. I told their customer service department to make arrangements to pick the vehicle up and they agreed. 
The problem I'm having with WPM is that while I was trying to get the vehicle registered, they overcharged my account for {$210.00} on XXXX and {$210.00} on XXXX. They have admitted to the overcharged and wanted to extend the money to the purchase of the vehicle. That would be good but I'm not going to purchase the vehicle. I have asked for a refund of the overpays that they charged me and they refuse to return my money. I talked with my bank ( XXXX  ) and they recommended that I file a consumer finance complaint against WPM.

WPM owes me a total of {$420.00}.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX : XX/XX/XXXX Balance {$56.00} XXXX XXXX XXXX : XX/XX/XXXX Balance {$90.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$1000.00} XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX Department of Education : XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnisha account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : No consumer reporting agency may make any consumer report containing any of the follwoing items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Our Mortgage was recently bought from XXXX by Shellpoint Mortgage Servicing in XX/XX/XXXXof this year. We received from them in early XX/XX/XXXX a pamphlet of information from them about Points of Contact and way to contact Customer Service. On the day we received this information ( I believe the call was made XX/XX/XXXX ) we called the Customer Service Line as was told that we had a negative Escrow Amount but since we were in Bankruptcy there was nothing more the lady would be willing to talk to us about.
So we called the Point of Contact ( XXXX XXXX ) and it went straight to voicemail and we left a message but did not receive a reply. We tried again ~XX/XX/XXXX and when we called XXXX answered right away. We mentioned to her that we were trying to figure out how to go about paying for our Mortgage since there were no clear instructions on the paperwork and I could not pay online due to the bankruptcy. She said that we needed to contact our Bankrupty POC ( XXXX XXXX ) regarding anything tied to the Bankruptcy and that we had to get a note from our Attorney for them to be able to speak with us regarding solutions to the issues with the Mortgage.
We then went to our Attorney 's office on XX/XX/XXXX and got a letter from him as requested and faxed it to Shellpoint via the phone number provided the following day. We then called XXXX the following Monday or Tuesday and it went straight to voicemail. A message with all the necessary information was left which included wanted to talk about issues regarding the Bankruptcy, and a Home Repair Escrow that would have been transferred from XXXX.
After receiving no response from XXXX the following Monday or Tuesday we called both XXXX XXXX and XXXX and were taken again straight to voicemail. Messages were left according to the instructions and as of now ( XX/XX/XXXX ) I have not heard from them or any representative of Shellpoint Mortgage even though I have reached out multiple times.
This is obstructing our families ability to repair our home since there is a Home Repair Escrow Balance and as such is limiting our options in terms of resolving the Mortgage in an amicable fashion with Shellpoint. We have reached out to them multiple times in good faith and it feels like they refuse to work or even talk to us.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute and Request for Correction of Credit Report Dear TRANS UNION LLC , I am writing to bring to your attention a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I have identified several instances where the creditor [ Creditor Name ] has failed to comply with specific sections of the FCRA, namely 15 USC-1681 section 602, 15 USC-1681 section 604-A section 2, and 15 USC-1666-B.

As per 15 USC-1681 section 602, I believe [ Creditor Name ] has inaccurately reported information about my credit history to your agency. The information they provided is misleading and has negatively impacted my creditworthiness. I request that you investigate this matter thoroughly and take appropriate actions to rectify the inaccuracies in my credit report. 

Moreover, 15 USC-1681 section 604-A section 2 requires creditors to provide accurate and complete information to credit reporting agencies. I have reason to believe that XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  has failed to fulfill this obligation, thereby violating my rights as a consumer. I request that you review the information provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ensure that it meets the necessary standards of accuracy and completeness. 

Additionally, 15 USC-1666-B grants me the right to dispute any inaccurate or incomplete information in my credit report. I hereby exercise this right and request that you initiate an investigation into the disputed items associated with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I kindly ask that you provide me with a written response regarding the results of the investigation within the legally mandated timeframe. 

I have enclosed copies of relevant documentation, including proof of my attempts to resolve this matter directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I trust that you will handle this dispute promptly and diligently, as required by the FCRA. 

Please note that, in accordance with the FCRA, I also request that you place a temporary freeze on the disputed information during the investigation process. This will help ensure that my credit report is not further impacted by inaccurate or incomplete data. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this dispute. Should you require any additional information or documentation, please do not hesitate to contact me at the address provided above or by phone at XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

I 've requested that Nelnet honor my six-month grace period, yet Nelnet has yet to do so. In the most recent correspondence, dated XXXX XXXX XXXX, the deferment details are listed as : Start date : XXXX/XXXX/XXXX End Date : XXXX/XXXX/XXXX Next payment due : XXXX/XXXX/XXXX The distance in time between the end date and the next payment due date is not six months. I request that Nelnet make the appropriate correction to its records. 

Thank you.
Consumer complaint received 2017-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (TX)

Capital Accounts has been trying to collect a debt from XXXX XXXX whom I never been too. I could only assume XXXX XXXX bought out my XXXX XXXX XXXX XXXX. In XX/XX/XXXX I went to XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. They had difficulty matching the color after 3 trys they asked me to drive downtown to the XXXX XXXX in turn they offered a discount leaving my bill to {$390.00} which was paid via XXXX XXXX XX/XX/XXXX2011. I 've explained this to Capital Accounts numerous times. In the period they 've had this the balance owed has increased 3 times.
Consumer complaint received 2017-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Suburban Credit Corporation (VA)

suburban credit corporation is pursuing medical collection accounts past the statute of limitations by the State of Virginia. 

Suburban Credit Corporation is pursuing medical collection accounts after they have been discharged by Chapter XXXX Bankruptcy Courts/