davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

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 15 USC 1681. 

FOR XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX FOR EXPERIAN : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (PA)

I saw a credit collection with South West Credit System and original creditor I saw XXXX on my account. I have never open account with XXXX and I have called XXXX they I have no account with them. I have also called south West Credit System they also said I have no account with them too. So I 'm making this complaint so that that information to be remove from my credit report. I disputed with XXXX and they have taken the irregularities or collection from my account but still shows up on my XXXX report. So I want it to be taken off from my credit report. Thanks.
Consumer complaint received 2019-04-25
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. (VA)

XXXX and Transunion are reporting incorrectly that I am 30 90 days past due on XXXX XXXX  XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2018-04-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

( SEE ATTACHED DOCUMENTS ). I am seeking relief from a Interest only ARM loan that I received from Wells Fargo Mortgage ten years ago. Over the last several years I have sought relief from Wells Fargo Mortgage. In XXXX I received a temporary two year loan modification from Wells Fargo. I expressed my concern regarding the temporary status of the loan modification and was told I could submit a new modification loan application 30 days prior to the expiration date. XX/XX/XXXX I submitted a loan modification for both my mortgage loan and my equity line of credit loan and was denied. In XX/XX/XXXX my monthly mortgage payment increased by more that $ XXXXmo from $ XXXX to $ XXXXmo, XX/XX/XXXX my line of credit loan increased from $ XXXX/mo to $ XXXXmo. I submitted another loan modification in XX/XX/XXXX. I received a modification on the equity line of credit loan reducing my monthly payment from $ XXXX/mo to $ XXXXmo but was denied a loan modification on the mortgage loan because I had already been granted a loan modification. Wells Fargo failed to inform me verbally or in writing that acceptance of this loan modification would render me ineligible for future loan modifications, matter of fact they informed me of the opposite. My situation is outlined in letters I have sent to Wells Fargo President/CEO XXXX below.
Consumer complaint received 2020-11-07
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: R.M. Galicia, Inc. (CA)

On XX/XX/2019, Progressive Management Systems added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, Progressive Management Systems has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-11-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

IVE ATTACHED USAA PAYMENT HISTORYS FOR ACCOUNTS THAT WERE CLOSED/CHARGED OFF BY USAA. THESE ACCOUNTS HAVE CAUSED A SNOW-BALL CATASTROPHIC PLUNGE TO MY SCORE OF XXXX! MY ATTACHED CREDIT PAYMENT HISTORY WILL CLEARLY DEMONSTRATE HEALTHLY CONSUMER ACTIVITY PRIOR/LEADING TO THE 2020 PANDEMIC. MY UNUSUAL PAYMENT ACTIVITY IS SOLELY DUE TO COVID 'S PANDEMIC IN WHICH I'VE STRESSED TO USAA. IM LABLED AS A HIGH-RISK CONSUMER WHICH IS INCORRECT & FALSE. USAAS UNWILLINGNESS TO TAKE THE TIME TO PHYSICALLY REVIEW MY CREDIT HISTORY INORDER TO MAKE AN ACCURATE AND SOUND CREDIT DECISION PER REQUEST HAS LEFT ME CONFUSED THIS ENTIRE YEAR. HAS CAUSED A BIGGER ISSUE IN REGARDS TO MY CREDIT SCORE. I NEVER KNEW XXXX CREDIT SCORES WERE EVEN POSSIBLE! USAA CONSUMER REPORTING IN 2020 HAS MISREPRESENTED MY TRUE CONSUMER IDENTITY. I UNDERSTAND FINANCIAL INSTITUTIONS HAVE RULES AND GUIDELINES. I TAKE FULL FINANCIAL RESPONSIBILITY FOR MY ACTIONS. I'M LEFT CONFUSED, NOT ONE USAA REP TOOK THE TIME TO LOOK INTO MY CREDIT HISTORY TO ACCURATELY GAIN A BETTER UNDERSTANDING & PERSPECTIVE ON WHO I AM AS A XXXX VETERAN CONSUMER. POSITIVE REPORTING CLEARLY DISPLAYED IN MY CONSUMER CREDIT REPORT PRIOR TO 2020. IVE INFORMED USAA OF MY HARDSHIP '' AT LEAST 6 TIMES A MONTH. BUT IM CONSTANTLY DENIED ASSISTANCE DO TO " NOT QUALIFIED '' TO RECIEVE NOR PARTICIPATE IN ANY USAA AID RELIEF PROGRAMS. BUT, REP REQUEST PAYMENT FOR PAST DUE ACCOUNT. C'MON. MY ENTIRE CREDIT HISTORY HAS BEEN DESTROYED ALL IN 10 MONTHS. ECONOMY DOWN ( SLOWLY PICKING BACK UP NOW ), ZERO AID RELIEF THIS ENTIRE PANDEMIC, WIPED OUT CHECKING & SAVING TO SUPPORT MY XXXX KIDS AS A SINGLE DAD. I COULD CARE LESS ABOUT MY CHECKINGS ANDS SAVINGS ACCT. ITS MY CREDIT I TAKE PRIDE IN. WITH A CURRENT XXXX CREDIT SCORE, THATS AN INACCURATE AND COMPLETE MISREPRESENTATION OF MY TRUE CONSUMER ID. ALSO, LENDERS REFUSE TO GRANT ANY FINANCIAL REQUEST. MY XXXX TODDLERS AND I HAVE BEEN THROUGH LIFE CHANGING EVENTS AND SEVERELY PENALIZED DUE TO CONSUMER REPORTING INACCURACIES. I'VE PLEADED WITH USAA, PLEASE BASE ANY/ALL CREDIT DECISIONS PRIOR TO 2020 WHICH WAS DISREGARDED. AND CONSEQUENTLY, I NOW HAVE " ZERO '' RESOURCES DUE TO INACCURACIES LISTED ON 2020 CREDIT REPORT. AS A XXXX XXXX XXXX VET BATTLING XX/XX/XXXX, AND 11 GOOD YRS BANKING WITH USAA. WOULD HAVE NEVER IMAGINE USAA WOULD CLOSE THERE DOORS ON ME AND MY FAMILY DURING NATIONAL DISASTER.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

The account ending in XXXX XXXX XXXX XXXX XXXX, the introductory offer was supposed to be XXXX points but got only XXXX. From the time you offered the card ( link on the website ... attached as PDF ), you always had it XXXX so how it was changed to XXXX still a puzzle. I presume it was an error on human part because my application was not initially approved ( took a week to review ) so someone must have manually punched the offer bonus on your side in error. Please follow up and adjust. 

There are still missing the bonus credits for account ending XXXX as well. There were XX/XX/XXXX, Spring XXXX and Summer XXXX promos. I do see some credits but hard to understand what is what. Bonuses offers are pilling up. Some credited and some not. When credited, only an amount shown on my end ( YOU NEED TO PROVIDE SOME EXPLANATION ALONG!!!! ). Calling your CSR is not helpful either ( been there, done it ) please follow up on both cards. 

Thank you
Consumer complaint received 2018-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

I requested help with Shellpoint mortgage 2 years ago. After they would not give me credit for {$13000.00} that was not applied when they purchased my loan from XXXX in XX/XX/XXXX. I was first told by XXXX XXXX to stop paying my mortgage until they applied my monies from the transfer fund. I now know that should not have happened, but she works for Shellpoint, so she should never had said that to me.i have had 3 modification offers but in each on the {$13000.00}. was never added to the modifications. 

In XX/XX/XXXX, I was given a trial modification, after Shellpoint put my house up for foreclosure, until I wrote a letter and spoke with XXXX XXXX who was later fired from the company. Put me in the trial modification from XX/XX/XXXX to XX/XX/XXXX. Every-time I made a payment the customer service representative would say I don't have to pay. But I paid anyway. Once I was complete I was told that I would be given a modification that was correct. I was called by XXXX stating that I owed another payment in XX/XX/XXXX and the modification was sent again in XX/XX/XXXX incorrect. Payments still being applied in XX/XX/XXXX.. 

In XX/XX/XXXX I was ask to send in my bank statements and income to start a modification again. I sent in my end of the year pay check, {$53000.00}. I was told that I did not make enough. I was told by XXXX that I only make {$2100.00} a month and that was not enough for a modification. The underwriter calculation was off, so I fax, mailed and XXXX XXXX my income. 

I was called in XX/XX/XXXX, to have a inside appraisal done, it was complete and posted on my ledger XX/XX/XXXX. I called XX/XX/XXXX and was told that I was approved for the modification and the underwriter was waiting on approval from the owner of the loan. XXXX XXXX. XX/XX/XXXX, i received a letter that stated XXXX XXXX disapproved the workout, and would not approve the modification.That I can sell my home or give it back to the Owner. 

My home appraisal was {$260000.00} and could be sold for {$250000.00} in 30 days. Shellpoint says I owed {$220000.00} and that i am in the arrears of {$29000.00}. Because I am not upside down on my loan and there is equity in my home the owner and Shellpoint is denying and have drag out for years and months a lot of simple mistakes and causing me to be further behind on my loan to take my home. I have emailed the CFO XXXX XXXX XXXX and asked for help. No response. Please look in to this situation for me and give me some advice on my next step. Thank you.
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PAID IN FULL, INC. (AZ)

I have never heard of this company, nor have I had any communication with this company. Last I heard was, I was up to date with my XXXX account. I havent done business with them in years. And now I have this collection from another company on my credit report. I want this off my credit report. This is ridiculous. I know nothing about this account nor why it is reporting.
Consumer complaint received 2020-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

I opened a checking account with chase and received my ga department of labor deposits in it. But because it was a large amount chase said they no longer wanted to bank with me and said they would be closing the account and mailing me my remaining funds. Its been over 30 days now iv been going back and forth with this bank for my funds and am now being told that the account was closed but that my funds are now being held because the account is under investigation. I had a branch manager verify the deposits and my unemployment that I received into the account but there now even telling him they cant do anything they cant give me a time frame they cant expedite the case nothing. I cant speak to anyone over the investigation and can only provide limited documentation due to ga department of labor offices being closed due to covid-19.
Consumer complaint received 2020-11-07
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)

There is a Bankruptcy and a XXXX card! I attached what I received back from Experian account on my credit file that does not belong to me! Experian keeps saying its verified without any information to support this claim! I do not or ever lived at the address on my report of XXXX XXXX in IL!! This is fraud and a Identity theft report was sent to Experian!! XXXX was 2 times a request to delete was sent and no reply but verfied I attached a pic of what Experian keeps telling me
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Citi Bank advertises on their website bonuses they will pay if a " new customer who has never had a Citi account '' There are at least 5 bonuses that pay a bonus when you select which bonus and account a person wants. I choose Citi Priority Checking Account that required me to open and fund the account with $ XXXX. I did that. Over the course of about 90 days give or take a few the balance could never drop below $ XXXX and mine never did. The checking account paid ZERO interest just a bonus. The bonus I am due is {$500.00}. I have called Citi at least 7 times because they have not paid me. After the 100 days past I was free to take my cash and I did.I left {$50.00} in the account because they required the checking to be opened to deposit the bonus. I have spoken with 2 supervisors who walked therough all of the guidelines and both said I should get the bonus. They informed me they could not do anything because bonuses were handled by " Citi back office '' and they don't take calls. Today I asked for someone higher with authority to handle my problem, was told there is no one. Today was told if I did not get the bonus I'm out of luck. I have 2 other friends that the same thing has happened to them. We opened the accounts on the same day. I hope you can help me get my bonus please.
Consumer complaint received 2020-11-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion have violated my rights by reporting THIS FRAUDULENT account that does not belong on my credit report. I have written TRANSUNION 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE. please help me solve this problem its causing serious harm and hindering me from moving forward in life.
Consumer complaint received 2020-11-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

See previous complaint for details on dates. As of XX/XX/2020, my capital One accounts show a close out check sent in amount of {$13000.00}. 

Previous balance was over {$30000.00} before Capital One various withdrawal transactions without details. 

If I am being issues a check, it should be for the full amount of my balance or I demand detailed accounting to why those funds were arbitrarily withdrawn from my balance. I am happy to show documentation proving sources of my deposits and origination of my funding sources. 

Additionally, I am unable to reach anyone at Capital One who can assist me in updating my mailing address for the close out check. I am continually forwarded to the fraud Deparment voicemail inbox for which I have left numerous messages over the past year. 

1. I AM CONCERNED ANY CLOSE OUT CHECK WILL BR LOST TO WRONG ADDRESS. I REQUEST TO UPDATE THIS INFORMATION IMMEDIATELY. 

2. I DEMAND A STATEMENT DETAILING YOUR INVESTIGATION OF FUNDS WITHDRAWN BY CAPITAL ONE FROM MY BALANCE WITHOUT MY KNOWLEDGE OR AUTHORIZATION. THERE ARE VARIOUS AMOUNTS RANGING IN SIZE AND FREQUENCY INTIATED BY CAPITAL ONE. 

IF CAPITAL ONE IS UNABLE TO PROVIDE LEGAL EVIDENCE AS TO WHY THESE FUNDS WERE WITHDRAWN WITHOUT MY AUTHORIZATION THEN I DEMAND THEY BE INCLUDED IN MY CLOSE OUT CHRCK BALANCE. I HAVE CONTACTED MY ATTORNEY REGARDING THIS MATTER AND WOULD PREFER TO NOT FILE A CIVIL DISPUTE IN COURT FOR DAMAGES. 

Thank you XXXX XXXX XXXX Please have someone from correct department contact me directly.
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: Convergent Resources, Inc. (GA)

I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by Convergent Outsourcing, ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. The account convergent outsourcing account number XXXX needs to be removed immediately I did not give consent or permission to furnish this alleged debt on my consumer report! I have attachment a cease and desists letter made out to the parties involved and everything in that letter should be followed pursuant to federal laws and regulations.
Consumer complaint received 2020-11-07
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)

Someone stole my ID and social security number and used it without my consent and knowledge. The person also received medical attention. I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I have an inquiry on my report that was not authorized by me from the following company, XXXX XXXX XXXX. I disputed this fraudulent credit inquiry with Experian from XX/XX/2019 until the present and no action was taken. Please delete this unauthorized inquiry. I am compelled to demand that you provide communication exclusively through US Postal Mail. If this rational request can not be met, this is a clear indication of Experian and XXXXXXXX XXXX XXXX disregard for consumer protection statutes.
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (GA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-09
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. (MI)

I submitted complaint XXXX regarding Experian reporting a past due account with a XXXX XXXX that I have no knowledge of or authorize. Experian states they investigated the account and have determined the account to be legitimate. After the initial dispute, I again disputed the account and requested an original signed application, billing statements and method used to validate the debt on the original dispute. Experian then sent me another letter REFUSING to investigate the issue any further but, answered the CFPB complaint saying they reinvestigated the account. The account is not legitimate, is showing on my credit report and has caused my score to drastically drop preventing me from refinancing my home. I need Experian to remove the account. I have attempted to file a police report but, without knowing who opened the account, I can not prove a crime has been committed- it is a records error at this point! Please help