davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

inaccurate information on credit report. This is a FTC violation XXXX XXXX on XX/XX/XXXX {$13000.00} - FTC violation XXXX XXXX XXXX/XXXX XXXX  XXXX on XX/XX/XXXX {$2300.00} -FTC violation XXXX XXXX on XX/XX/XXXX {$3900.00} -FTC violation XXXX XXXX on XX/XX/XXXX {$5700.00} - FTC violation XXXX XXXX XXXX on XX/XX/XXXX {$21000.00} - FTC violation XXXX XXXX XXXX  on XX/XX/XXXX {$21000.00} -FTC violation Contact all above companies to have inaccurate information remove. Have made attempts, no response.
Consumer complaint received 2023-03-24
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. (IL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

My home loan was recently transferred from XXXX XXXX XXXX to XXXX XXXX XXXX ( Originator ) and Shellpoint Mortgage ( Servicing ) on XX/XX/XXXX. According to 2 Shellpoint Customer Service Agents and Shellpoint 's Web Site, Shellpoint is missing records of my XXXX and XX/XX/XXXX payments to XXXX XXXX XXXX. Shellpoint asked me to wait on making my XX/XX/XXXX payment until we resolve this matter, but meanwhile my account continues to show that I am behind on 3 payments totaling XXXX. 

I called Shellpoint to try to resolve the matter on XX/XX/XXXX. I sent proof to Shellpoint via email on XX/XX/XXXX of both my XX/XX/XXXX and XX/XX/XXXX payments in the form of screenshots of my XXXX XXXX XXXX Payment History Page and my bank statements all showing a payment to XXXX of {$3600.00} on XX/XX/XXXX and a payment to XXXX of of {$3600.00} on XX/XX/XXXX. I called Shellpoint to again to try to resolve the matter on XX/XX/XXXX. Shellpoint indicated to me that they received my email, but did not receive my email attachments. I have a screenshot of the email I sent to Shellpoint with email attachments. 

The matter is still not resolved and Shellpoint continues to blame me and ask me to work with XXXX to resolve the matter. I find it very interesting that Shellpoint 's website shows that they have every single details about how much money I owe them, but is missing all details of how much I have paid them.
Consumer complaint received 2019-09-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

this debt is over the time period. AND THE LOAN WAS LEVY AGAINST MY current MORTGAGE. Its seem like I being target for a debt I don't owe.
Consumer complaint received 2019-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have submitted 3 complaints re the Bank of America. They are ACTUALLY ONE COMPLAINT BUT COULD NOT FIND A WAY To note old complaint. The last time someone was supposed to call me from the bank. The last person to call me was XXXX XXXX on XX/XX/19. I was not here but returned his call within 15 minutes. I did not hear back. I called again a couple of days later but no return call. He SAID IN HIS MESSAGE i HAD TO CALL BACK BY XX/XX/19. I want you to know that I followed his instructions but no response. They are being ridiculous. I mentioned the law in CT about subpoenas but they will not let me see anything. If they are correct, as they say, then why wouldn't they want me to see the proof? Thank you.
Consumer complaint received 2023-02-07
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. (FL)

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. 

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 XXXXXXXX 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 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. 1681s-2 ( A ) ( 1 ) 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 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ATHAS CAPITAL GROUP, INC. (FL)

On XX/XX/19 - I closed on a refinance with Athas Capital Group XXXX Inc., XXXX. As of today, XX/XX/19 - the loan has not disbursed funds yet. It should have disbursed on XX/XX/19 and did not. The lender ordered inspections AFTER the disbursement period was over and did not follow up, to insure it was within the disbursement period. I feel they are in violation as the rescission period is for the borrower 's benefit and not to be used to delay funding by the lender. 

There was no disaster at my location, nor named a disaster as Hurricane Dorian did not hit my area. 

XXXX XXXX XXXX.
Consumer complaint received 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

My loan was recently transferred from XXXX to Loan Care. But I've noticed a serious discrepancy that needs to be corrected ASAP. 
XXXX XXXX Number XXXX Loancare : Loan Number XXXX The balance that should HAVE been transferred from XXXX to Loan care should have been {$430000.00}. But Loan care shows that the transferred amount was {$440000.00}. Please fix this ASAP. I've made a payment in early XXXX XXXX to XXXX. But Loan care shows the payment date as XX/XX/16 and the current balance shown by them is not accurate. It should have been {$430000.00} from XXXX.
Consumer complaint received 2019-09-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IL)

During the month of XXXX I have sent the company 2 validated cashier checks for my mortgage and the claim they have not received non of the payments. I have proof of them receiving the certified mail through the us postal service. So no I am XXXX missing and migrate not paid for XXXX. I call several times a day and they tell me the same thing that they dont have it
Consumer complaint received 2022-07-27
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. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Equifax for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Equifax is given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed account with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

The complaint is about the XXXX XXXX XXXX account reporting as an individual account when it shouldve been reported as authorized user because it was a corporate account. It is still being reported falsely. Its also being reported as in collections/charged off with a current late payment history which is also false reporting. This account should be deleted immediately.
Consumer complaint received 2024-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LEXISNEXIS (GA)

I requested my consumer file from Lexis Nexis and i noticed multiple inaccuracies being reported so i sent out a validation letter by certified mail to LEXISNEXIS on XXXX and as of today no results/response. You have a dismissed bankruptcy placed on my file and YOU LEXISNEXIS has failed to respond through written communication within 30 days from certified mailed letter that was signed by XXXX on XXXX. Lexis Nexis has violated the FCRA 611 ( 15 U.S.C 16811 ) that they did not provide me with a description of the procedure to determines the accuracy and completeness of the disputed information. In dispute letter I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy, who they referred this dispute to ; and who responded back with the required " verification ''. U.S. Bankruptcy Court state that they do not provide any information to the Credit Bureaus. Furthermore : Please Note : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security, and tax payer identification numbers, names of minor children, last four digits of financial account number, and dates of birth, be redacted from documents filed with the court. " Therefore, ( XXXX XXXX XXXX ) claim that their subscription to XXXX was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance .You have caused many denials of credit, adverse actions against me, embarrassment, mental disturbance and humiliation. My family is affected by this. I dont deserve it.
Consumer complaint received 2023-08-04
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: CBC Companies, Inc. (GA)

Please review all attached documents for specific dates and examples of trying to resolve this matter. I notified XXXX, that the information that is being reported on my credit report is inaccurate per 15 U.S. Code 1681s2 ( b ) and they sent a notice back saying it is verified. I Also notified XXXX, XXXX, INNOVIS, XXXX and the report came back as verified. I know this information is inaccurate because I tendered payment when I initially opened the account. Proof that payment was tendered as stated in 26 CFR 15a 453-1 ( e ) ( 1 ), the Department of the Treasury defines payment ( 1 ) Treatment as payment - ( i ) In general. A bond or other evidence of indebtedness ( hereinafter in this section referred to as an obligation ) issued by any person and payable on demand shall be treated as a payment in the year received, not as installment obligations payable in future years. In addition, an obligation issued by a corporation or a government or political subdivision thereof - ( A ) With interest coupons attached ( whether or not the obligation is readily tradable in an established securities market ), ( B ) In registered form ( other than an obligation issued in registered form which the taxpayer establishes will not be readily tradable in an established securities market ), or ( C ) In any other form designed to render such obligation readily tradable in an established securities market, shall be treated as a payment in the year received, not as an installment obligation payable in future years. Sec. 401. The sixth paragraph of section 18 of the Federal Reserve Act is amended to read as follows : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, bills of exchange, or bankers ' acceptances acquired under the provisions of this act, any Federal Reserve bank making such deposit in the manner prescribed by the Secretary of the Treasury shall be entitled to receive from the Comptroller of the Currency circulating notes in blank, duly registered and countersigned. The Act further states, We have provided that any direct obligations of the United States or any notes, drafts, bills of exchange, or bankers ' acceptances acquired by Federal Reserve banks may be deposited with the Treasurer of the United States or with the Federal Reserve agents, and upon these securities Federal Reserve bank notes may be issued. In case of the deposit of the obligations of the Government, the issue of Federal Reserve bank notes may be for the entire amount of such securities. XXXX, INNOVIS, XXXX, XXXX etc is continuing to furnish inaccurate account information to credit reporting companies, including wrongly reporting late payments. This is heavily tarnishing my consumer credit report at no fault of my own. This false reporting has been illegally tarnishing my financial reputation and overall consumer report XXXX XXXX
Consumer complaint received 2021-07-14
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: Santander Consumer USA Holdings Inc. (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-07-27
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. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the items and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Experian is given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (MT)

I applied for a Credit card because it included a {$200.00} gift card from XXXX. 
I received an email to prove my identity. I uploaded my current DL to the Chase website. 
Then i received another email asking me to verify the same. I spoke to a customer service agent who transferred me to the Fraud help desk and i was asked to go to the Chase Branch in Billings, MT with two forms of ID and have them verify. I took my US Passport and my Current DL. THESE WERE VERIFIED BY THE CHASE BRANCH OFFICER who faxed or emailed a copy of each to the credit card division. 
I have not received another email and letter asking me again send the same information once again. REFERENCE NUMBER : XXXX I believe this is harassment and putting obstacles in my way so that CHASE can deny my application. 
I have a credit score of XXXX, with a XXXX XXXX XXXX job that pays a six figure salary, so there is no reason to deny my application.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (TX)

When I checked my credit report it states on XX/XX/year> there was a hard inquiry from feb/destiny that I did not authorize. I contacted feb/destiny and they state they do not have anything confirming this was ever done. They advised me to contact transunion and the representative at XXXX directed me here.
Consumer complaint received 2024-06-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (FL)

Company committed fraud by charging me a down payment of {$2000.00} 15 U.S. CODE 1605, mixing cash with a consumer credit transaction 15 U.S. CODE 1662B, 16CFR 443.1D they purchased money loan, company got a cash advance for using my social security. They broke Consumer Credit Transaction and the Sum of all Charges, all fees werent included such insurance, warranty, registration for the sum of all charges. And they havent disclose any of this information to me at point of sale. They also called and harassed me when I was late on payments!
Consumer complaint received 2017-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

On XXXX XXXX 2016 I applied for an Income Sensitive Repayment Plan and transferred my financial information using the IRS web site. I never received any further information about what my payment would be and began receiving emails informing me that I had hundreds of dollars worth of payments that were due. I called Navient to find out what was going on and was told that they needed more information. I was given the number for the student loan help line and was told to contact them. I was then asked if I wanted a forbearance to take care of payments in the meantime. I said that I guessed so and called the help line. They told me that Navient had all the financial information needed and had received it on XXXX XXXX. When I called Navient back with this information my calls were either dropped, I was disconnected, got only static on the line or got a non English speaker that I could not understand. After more than an hour spent trying to get through, I gave up. My forbearance is good until XXXX and today I received an email telling me that my payment for XXXX is over {$600.00}. Any help you can give me would be greatly appreciated.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.