davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$11000.00}, {$340.00}, {$0.00}, {$5600.00}, {$0.00}, {$8600.00}, {$12000.00}, {$0.00}, {$0.00}, {$0.00}, {$600.00}, {$0.00}, {$3000.00}, {$13000.00}, {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

11. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

15. XXXX XXXX CAP with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

16. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Approximately 1 year ago, I submitted a request for removal of PMI associated with a home loan. At that time, Shellpoint advised that we would have to pay " at least {$400.00}, '' for an appraisal to be done ; however, would not provide a maximum amount. They essentially wanted me to sign off on an appraisal that could theoretically be of an unlimited denomination. In an attempt to remedy the situation, I called the lender numerous times requesting assistance and an maximum amount of the appraisal without response. In the end, I filed a complaint with the CFPB in order to get some action from the lender. Only at that time, did they advise that the cost of the appraisal would be approximately {$590.00}. Total time elapsed over 6 months.

Several months ago, we contacted Shellpoint to move forward with the PMI removal process and was advised via email on XX/XX/2018, that we would need an appraisal and to respond to the email in order to move forward. I responded to that email as directed, but did not receive any further communication other than an email acknowledgment and several notifications ( via mail ) that " we are working on your problem. '' Since that time, we have contacted Shellpoint numerous times via email and phone to be told EVERY time that a prior agent had made an error and that we would immediately get the document which needed to be signed before moving forward with ordering the appraisal. Finally, on XX/XX/XXXX, we were told that there must be " some issue, '' and that a supervisor would call us back shortly. Again, nobody contacted us back. Today, XX/XX/XXXX, I called again and was transferred to the voicemail of a manager, who has not phoned back. 

Shellpoint 's lack of response to inquiry, or to escalation to management, is pervasive within the company. Each agent acts with confidence that they know what is wrong with the process, yet EVERY time nothing is fixed. We get letter after letter stating that " we are working on it, '' yet never get the process moved forward. This lack of response by the company has cost us well over {$1000.00} due to their lack of response. I have given Shellpoint adequate opportunity to do the right thing, but again, they have not ; thus, request that an official investigation occur to remedy this situation.
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (GA)

Not only did this company not furnish any sort of debt validation after asking multiple times both directly to an agent over the phone and via email-which is how they told me to ask for the info, I ended up receiving the information directly from the party that I allegedly owed debt to, they have now been sent a packet of identity theft information and have not removed the false info from my credit report.
Consumer complaint received 2021-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had money {$2500.00} deposited in my checking account using XXXX. At the time my company instructed to use the money to purchase Bitcoins through a XXXX kiosk. I did that and placed the money in a wallet that was provided to me. The transaction was successful. 
A claim has been made now for {$2300.00}. I called the bank and was told they could not help as nobody knew what the complaint was ( XX/XX/XXXX ). I called back on the XXXX and was then was told about the complaint. No details were given, just that the complaint was filed. Without investigating or asking me any details they just took the money. I asked if they could investigate. I was never told they would. More-less the money was gone. They acted like they could care less, and their was nothing they could do.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX in partnership with XXXX and TransUnion have committed fraud on my account and are reporting incomplete and unverified information. Pursuant to 15usc 1602 ( l ) XXXX XXXX Bank committed fraud by taking an extension of my credit card ( social security card ) and placing a lien on it for the amount of the finance charge. I did not initiate this consumer credit transaction and want the account blocked from my consumer report. XXXX XXXX as not shown proof of my consumer signature on any finance charge paperwork nor have I ever received any information showing the finance charge given to me. Please help me get this fraudulent account removed as it is causing daily harm to my consumer report as well as my life for the last 4 years. I am aware that I am the original creditor as well as the consumer. I did not give these CRA written permission furnish my report which is another law they are breaking. ( 15 use 1681B-2 ) If this bank follows the truth and lending act then my rights are being broken in ( 12 CFR 1026 ) as well. I have been sending disputes to these accounts for the last 3 years and they continue to break the law and violate my rights with no repercussions. I have attached a dispute letter from last year in which the CRA 's did not respond back to, within 30 days.
Consumer complaint received 2022-07-06
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. (IN)

On XXXX XX/XX/2022 I filed complaint # : XXXX with the CFPB disputing the above alleged account and reported late payment, as well as outlining how your company violated my rights as a consumer under 15 usc 1681. The subsections you violated are as follows : 15 usc 1681- ( a ) ( 1 ) 15 usc 1681- ( a ) ( 2 ) 15 usc 1681-a ( 3 ) 15 usc 1681-a ( 4 ) 15 usc 1681b. ( 2 ) Your company ( Equifax ) responded alleging that the referenced account ( s ) were verified on XXXX XX/XX/2022. Now I am requesting my entire consumer credit file and report, as well as exercising my right under 15 usc 1681i ( a ) I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 usc 1681a ( e ) I want to know exactly who you spoke with, and the method you used to speak with them. I also would like the name of the company who furnished this information and the name and employee number of the employee whom you spoke with. Pursuant to 15 usc 1681a ( e ) I an demanding the following : Which neighbor did you speak with? 
Which associate did you speak with? 
Which friends did you speak with? 
Which acquaintances of mine did you speak with? 
Was the information that you received factual? 

Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this information must be permanently be removed from my consumer report. 

Your company shall immediately cease and desist any and all collections of this alleged debt because you no longer have the right to assume it is valid since I have already disputed the entire amount in my previous letter.
Consumer complaint received 2021-05-11
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

forbearance extension documentation submitted to SPS mortgage servicer. 

Social Security documentation REJECTED because bank statement and SS award letter was {$9.00} /month more that award letter stated. 

XXXX award letter REJECTED because award letter showed expiration date of XX/XX/XXXX XXXX even thought bank records showed current XXXX payments. 

SPS sent me a Notice of intent to foreclose during forbearance evaluation which was delay do to these irrelevant inaccuracies.
Consumer complaint received 2019-08-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Auto Finance left a voicemail message on my phone regarding my past due credit card. It is against North Carolina state law to for a creditor to leave voicemail messages on North Carolina residents phones. This is a violation of this law and may be addressed with my attorney.
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (CA)

I have a 'Homestyle ' renovation loan with Movement mortgage. I've been trying to access my loan funds since XX/XX/XXXX. That's when my contractor submitted a draw request for {$28000.00}. We've been waiting for an appraiser to come out and validate the work done on our kitchen ever since but that still hasn't happened. After multiple requests. 

In a recent email they said " Evidently we are having a difficult time getting an appraiser out to your property. The original appraiser declined our request for the re-inspection and we are now searching for another appraiser. '' I understand that might be the case for a week or two but it has been MONTHS of waiting to get our loan funds. This is unacceptable. 

thanks, XXXX
Consumer complaint received 2022-02-15
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. (TN)

Equifax is showing inaccurate MISSING information on my Credit Report. My credit report is completely blank for some odd reason I was a victim if Identity theft late XXXX. 
Mailed about this issue on XX/XX/XXXX regarding this issue they have not responded or taken care of my report. My Equifax does not show any score and is completely blank compared to the consistency of my XXXX reports. 
Equifax have not responded to my issue. I have mailed them all the information needed. Equifax is not consistently reporting my secured installment loans and other open accounts.
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (OH)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-15
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. (TN)

I was pre-approved and applied for a credit card with XXXX XXXX on XX/XX/2021. 
Reference number XXXXUSD They declined my application and said it was because I have no credit history. I have over a decade of credit history and have had no problems with getting credit in the past. 

They suggested we do a manual application so we did that on XX/XX/2021. 
They rejected it again and told me I don't have a credit history. I was able to pull all 3 of my credit reports and I faxed it to them after they requested it.

They still refused my application and would not escalate it. I clearly have a credit history. They kept saying that it is XXXX and TransUnion 's issue and I should speak with them. 

I talked with TransUnion and they said that they see that there was hard pulls on my credit report by XXXX XXXX so they must have got my credit report. They said it was XXXX XXXXXXXX XXXX issue and that everything is fine on their end. They refused to escalate or talk with XXXX XXXX on my behalf. 

I called XXXX several times but was put on hold for over an hour each time and never got anybody on the phone. 

I could not get any of the companies to escalate the issue for me because I very certainly have a credit report. I do not know what to do or how to have this resolved.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (GA)

I opened an account with Wayfair. Their credit is with COMENITY-COMENITY CARD. MY acct number is ... XXXX. 
I paid the amount owed. However, every month the bill me for late charges. I paid at first because I did not want them to ruin my credit. I just kept getting late charges for months. 
I finally sent a final payment and asked them to close account. I received a letter stating that they closed my account. However, every month they bill a late fee. This is not any amount I owe on merchandise. It is only monthly late charges that I do not owe. 
Please assist me in getting this off my credit. I'm sure they are reporting that I owe when I do not. I've paid more than I owe in late charges on a {$0.00} balance account. Please HELP me resolve this sutuation.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (NY)

On XX/XX/2020, {$4900.00} was wired to an account at Navy Federal Credit Union controlled by the wrong person, not the person intended to receive the funds. The recipient of the funds stole the identity of another person and fraudulently received the funds. Either the account was opened under the name of a person whose identity was stolen, or Navy Federal deposited funds into an account under a name different from the name to whom it was directed. When this was discovered, we contacted Navy Federal through XXXX, who sent the funds. We have not been made whole over a year later.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX XXXXXXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2022-01-21
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: WELLS FARGO & COMPANY (NY)

Wells Fargo in partnership with XXXX and XXXX have committed fraud on my account and are reporting incomplete and unverified information. Pursuant to 15usc 1602 ( l ) Wells Fargo Bank committed fraud by taking an extension of my credit card ( social security card ) and placing a lien on it for the amount of the finance charge. I did not initiate this consumer credit transaction and want the account blocked from my consumer report. Wells Fargo as not shown proof of my consumer signature on any finance charge paperwork nor have I ever received any information showing the finance charge given to me. Please help me get this fraudulent account removed as it is causing daily harm to my consumer report as well as my life for the last 4 years. I am aware that I am the original creditor as well as the consumer. I did not give these CRA written permission furnish my report which is another law they are breaking. ( 15 use 1681B-2 ) If this bank follows the truth and lending act then my rights are being broken in ( 12 CFR 1026 ) as well. I have been sending disputes to these accounts for the last 3 years and they continue to break the law and violate my rights with no repercussions. I have attached a dispute letter from last year in which the CRA 's did not respond back to, within 30 days.
Consumer complaint received 2019-08-07
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)

experian told me over the phone that the duplicate names on my credit report could not be removed. I didnt double enter my name 6 times on my credit report, and it looks tacky and unproffesional. My name is XXXX XXXX XXXX Not XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX .
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My consumer rights are being violated. Transunion is creating defamation of my character and effecting my credit worthiness to creditors. I have been denied a job because of a bankruptcy appearing on my credit report. I have been denied loans. In these hard times and all that is going on in the world with covid I don't need this added stress. I have been disputing an alleged bankruptcy with Transunion for the last few months. I have attached a copy of my credit report for all three credit reporting agencies. Only Transunion is reporting this bankruptcy. That's a violation of my consumer rights because all credit reporting agencies have the grave responsibility to report 100 % accurate credit files. If Transunion is the only ones reporting this information then it is not accurate. I have attached a letter from the US Bankruptcy Court which is listed as the furnisher ; the letter states they are not the furnisher and do not report to credit reporting agencies. This bankruptcy must be listed in error and should be removed immediately. Also Transunion do not have a permissible purpose to furnish such information anyway. My rights were violated as soon as it was published for anyone to see because they do not have my written consent to furnish my personal information.
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: EMBRACE HOME LOANS (KY)

I applied for a loan with Embrace Home Loans. I paid for an appraisal during the loan process. After several months without hearing from anyone I received a turn down notice. I attempted to call Embrace but the person I had been working with never returned any of my calls. I applied with another company and was approved but they need to have an appraisal done as well. I was advised I could transfer the previous loan but Embrace would have to participate in making that transfer. Unfortunately after numerous calls they will not even return my calls so I may get access to an appraisal I paid for. Transferring the appraisal simply required an email on their behalf.