davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

Hello, I wrote my first dispute on XX/XX/XXXX and did not receive anything back from Equifax and XXXX. XXXX  sent me an incomplete letter ( which i know now it was a stall letter ). I now sent a second round on XX/XX/XXXX.  However, they did not answer my first dispute and according to the Fair Credit Reporting Act that they had more than 30 days they need to delete the information on my credit report. This is hurting my credit worthiness. I do not want the credit bureaus sending a letter saying they are investigating when they have had since XX/XX/XXXX. It is now XXXX and I have yet to receive anything else.
Consumer complaint received 2023-03-28
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. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in violation of The Fair Credit Reporting Act. I ask that the accounts and inquiries be investigated thoroughly and removed to restore my good credit profile.
Consumer complaint received 2022-04-04
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: LEXISNEXIS (IL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXXXXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXX Please remove this bankruptcy from my public record
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it reflect in my credit report that can harm my credit credentials. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX / {$4100.00} / XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX / {$3900.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / {$610.00} / XX/XX/XXXX
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

XX/XX/2017 I paid in full BOTH my capital one cards and was told it would be a one courtesy to remove both from my credit I was lied to I have since disputed this and capital one First .... had dates of late payments and paid times reported ... .. then  changed it all completely with worse dates making me look horrible to creditors .... this shows capital one are lien and are very unprofessional please please help over turn this and FORCE them to remove this please
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (FL)

XXXX XXXX Shellpoint Loan # XXXX XXXX XXXX has been working on a short sale since XXXX XXXX. The short sale was approved and then the mortgage servicing transferred from XXXX to Shellpoint. Since Shellpoint 's servicing of the loan, the short sale review has been mishandled. Shellpoint has delayed the review, obtained a value, countered the buyer, then took so long to complete the review that they needed a new value of the property. This cycle has gone on 3 times. We have had numerous buyers walk from this transaction because Shellpoint makes inaccurate and misleading statements and then does not follow through with them. 

Shellpoint completed their most recent appraisal in XXXX XXXX. The appraisal came in at {$360000.00}. The buyer was countered at XXXX. The buyer increased their offer to the full appraised value of XXXX. Since that time, Shellpoint ( XXXX XXXX - SPOC ) has delayed the review, not responded to calls, ignored messages sent from the customer service department, and did not provide reasonable updates on the file. Since we submitted the buyer 's increased offer of XXXX on XXXX, I have been unable to obtain an update on the review. On XXXX/XXXX/XXXX, I was advised that the SPOC XXXX had put a note on the file with a counter of XXXX which is XXXX over appraised value. I can not reach the SPOC 's manager and the escalation line provided on their website directs to the XXXX department. There is not a single person to reach out to or anyone to hold accountable for the review. It is bad business practice to counter the same buyer twice based on the same appraisal. This, again, shows that Shellpoint has no intention of working with their borrower. Extremely misleading.
Consumer complaint received 2024-05-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX XXXX XXXX & PORTFOLIO RECOVERY are violating federal law and making excuses as to why they are doing so. 2 companies can not collect for the same debt. That is impossible. Both companies responded and provided the same billing statement for a national bank known as XXXXXXXX XXXX which is insured under FDIC and does not incur any losses due to this insurance. What happened was fraud and these 2 companies continue their illegal acts by attempting to force me to pay them money they are not entitled too. I have a right to freely contract if I chose too and I dont want to do any business with these debt collector furthermore they have no authority to force me to pay this debt because they are not authorized to collect because they are not listed on any of the banks incorporation documents or bylaws as an interested party in their business practices. I have previously disputed these debts with the companies and they forwarded long statements with billing statements but no evidence from their company with their letterhead to indict I have a lawful obligation under color of law. Their policies and procedures do not override federal law and their claims will not withhold in a court of law. I now demand they cease all collection activities return this contract to the rightful owner so they can pursue further action if they choose necessary.
Consumer complaint received 2023-03-28
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. (NY)

In accordance with the Fair Credit Reporting Act Account number XXXX has violated my rights.15 U.S.C Section 602A states I have the right to privacy. 15 U.S.C Section 602A states a consumer reporting agency can not furnish an account without my written instruction in this case Equifax.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, I was alerted by XXXX that Truist bank had reported that an installment loan was 30 days past due. I immediately looked into my account which was on autopay since I opened the account in XXXX of XXXX, stated that my balance owed was XXXX and there were no statements for the month of XX/XX/XXXX which reflected the delinquency. Furthermore, I was never given notice before the credit marker was placed that my account was late. I immediately paid the amount that was owed, and could not set up auto-payment. I called on XX/XX/XXXX to get things clarified, however, the representative stated that they would not remove the credit marker. My credit score has dropped by 40 points due to this their bad business practices. I am currently suffering as I am in the process of obtaining a mortgage and this is putting my ability to close on a loan in peril. 

They also stated that they were to update my account information. But they never did per their email sent in early XX/XX/XXXX.
Consumer complaint received 2022-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/22 while at a XXXX XXXX making an XXXX return I was in need of another label in order to ship back my return. I was told to call XXXX Customer Service which I goggled and called the number that popped up EXCEPT THIS WASNT XXXX CUSTOMER ASSISTANCE. It was a SCAM company impersonating XXXX, which to this day is still on goggle if you XXXX XXXX Customer Service that will tell you they have a new process in which to refund you but you must download this app ( called XXXX  ) in which they took over my cell phone and went into my credit union account XXXX and performed 2 transactions ( {$440.00} and {$490.00} ). I immediately contacted USAA ( my credit union ) and reported the incident was told they would restore the money while they investigate which they did not do. After several weeks of delays and following up on the status, I was told they denied to refund me and concluded the investigation due to : Multiple USAA system security log/records. Per the denial letter I requested the documentation used to come to the decision and after weeks of waiting received the letter quoting the above statement instead of including the documentation used to deny refunding the monies stolen from my account. My biggest complaint is I know they refunded customers for this exact fraudulent act so why was I denied. I also reported this incident to XXXX ( yet the phone number still comes up in a search to defraud other people ), I reported the incident to XXXX and the FTC where I have a case registered as well as XXXX.
Consumer complaint received 2022-04-04
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I have an XXXX [ rev.mortg. ] with PHH Mortgage Co. On XXXX I made a line of credit draw request of {$20000.00}. After about a week I started calling them asking where my funds were [ they were supposed to be wired to my XXXX checking acct. ]. I have called them every day for the past two weeks and getting a different answer every time. Three times I have asked to talk to a supervisor and was denied access to speaking to them. 
On XXXX I received XXXX wired to my XXXX acct., however I have been debited XXXX on my loan balance and have received only XXXX. I have contacted them on this discrepancy and have heard no concrete answers yet. Any help would be appreciated.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (CA)

Recently I took a mortgage loan. We closed the property on XX/XX/2020. 
the title company took {$4300.00} for prepaid property taxes to the flag star bank. 
The Bank is asking to pay for the taxes starting XX/XX/2020. 
That means the prepaid amount ( almost 1 point ) in fact will not be used and dispersed for my taxes.

It seems the bank has taken extra money which is not for the purpose of tax payment. One point prepay would have reduced my interest rate lower.
Consumer complaint received 2022-04-04
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. (MI)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2022-04-04
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. (MI)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2022-04-04
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: TD BANK US HOLDING COMPANY (FL)

TD Bank has improperly reported the same home equity line of credit TWICE at the XXXX credit bureau. Despite complaints to both the bank and the credit bureau, they have refused to remove at least one of them. Moreover, BOTH entries are reporting delinquencies in XXXX, 2020 despite receiving a COVID-19 deferment.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

My name is, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2023-03-28
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. (IL)

In accordance with the Fair Credit Reporting Act The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Account Name : Account Number : XXXX XXXX XXXX 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 602 A states i have the right to privacy 15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish a 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 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 1681 s2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (MI)

I'm in the process of cleaning my credit report and noticed debts I was not aware of and may violate HIPAA laws. 

I have health insurance and now I have charges against me regarding a XXXX XXXX 

I've sent multiple disputes that were denied and I've never received bills prior to the attack against my credit.
Consumer complaint received 2022-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

Submitted updated Employment Verification Forms to FedLoan when the Federal Government announced the temporary waiver for the Public Service Loan Forgiveness program in XXXX. I consolidated loans in XXXX and I'm seeking to have payments made between XXXX - XXXX counted for PSLF. On XX/XX/XXXX I received a letter that stated, in part, " Per your request we have completed our review of your eligible and qualifying payment counts in your pursuit of Public Service Loan Forgiveness ( PSLF ). We can confirm your payment count is accurate and now consider the matter closed. '' Unfortunately, this is categorically untrue as their own records show payments only counted after XXXX. This false, incorrect information is egregious for a representative of the Federal Government to send out, and FedLoan needs to put a stop to lying in writing to account holders immediately.
Consumer complaint received 2018-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

The reason I am requesting an investigation by your agency is due to Equifax customer service department would not help and take care of the negative inquiries reporting to my credit report. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 5. XXXX 6.XXXX
Consumer complaint received 2022-04-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc. (IL)

I complained to you XX/XX/XXXX complaint ID XXXX, and now back to you complaining AGAIN for same issues XX/XX/XXXX. 
Merchant presented for payment on XX/XX/XXXX, ONE ( 1 ) day earlier than agreed to XX/XX/XXXX creating overdrafts fees totaling {$72.00} to my checking account and putting my checking account in jeopardy with these overdrafts. I didnt have ANY overdrafts till I subscribed to metabank/money lion. This is SECOND time to occur and its personal to derail my checking account to get DIRECT DEPOSITS FROM SSA. 
I even told them how to FIXED problem and here were are. Contacting MoneyLion is a joke and needs to be address. MoneyLion should not be allowed to do business with these deceptive practices. 
Monthly Subscription fees for line of credit/RESERVE account PLUS another fee. for loan. When requesting XXXX, asks for a tip too. I cant pay my bills on Time with this XXXX happening XXXX
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

I am the daughter and the court appointed Personal Representative Estate of my mother. My mother died on XX/XX/2020. On her date of death, XX/XX/2020, she had in her Credit Union checking account {$510.00}. 

On XX/XX/2020, my mothers husband/spouse notified the credit union of her death. 

On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account, for XX/XX/2020 pension. 

On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account for XX/XX/2020 pension. 

On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account for XX/XX/2020 pension. 

On XX/XX/2020, the XX/XX/2020 {$340.00} deposit was ( returned/Reclaims ) Paid To the XXXX XXXX XXXX 

After my mother 's death three separate amounts of {$340.00} were deposited into my mothers Credit Union non-joint checking account. My mothers husband notified the credit union on XX/XX/2020 of my mother 's death. The credit union did not put a hold on the first two deposits. Another deposit of {$340.00} was deposited on XX/XX/2020 and was returned on XX/XX/2020. The pension company tried to retrieve the first two deposits but the credit union did not return or release the funds to the pension company. 

I was under the assumption that the credit union froze those funds to pay an outstanding loan, but the funds were not froze and my mothers husband used the funds. The credit union said I have to get my mothers husband to return the funds to the pension company.
Consumer complaint received 2018-11-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I previously filed a complaint against the Credit Bureas with ( CFPB ) and they have yet to provide me with any verifying proof or evidence on the matter they sent me one notification 15 days ago stating they needed more time ( 15 ) days to complete investigation
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My complaint is against the Capital One 360 checking account I am game account with them and they said something was fraudulent on it so they put a freeze on account it's been three months they said they were going to close my account they  haven't done anything with the money they won't let me take any money out but they keep letting money go in there and they keep telling me they're going to close it but they keep accepting cash and then they sent me a letter saying they're not giving me any more money back out of it and we got like {$1300.00} in it and they just couldn't write to me told me there's some good accounts not close but it's not my account anymore and there was still in my name and everything still might they just decided they were going to give me my money and I don't understand how they can do that it's my money my account there is nothing project XXXX if that was the case they would have charged me or they would have did whatever it's been 3 months