davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
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. (NV)

Dear CFPB, I am a natural person and a living human being with rights protected under 15 USC 1681. I am filing a formal complaint regarding my credit report, as I believe that the consumer reporting agencies are violating my rights and the Fair Credit Reporting Act. Specifically, I demand the immediate deletion of the following accounts, which were furnished to the consumer reporting agencies without my permission : XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies have violated my rights several times, which is prohibited under 15 USC 1681.

I want to draw your attention to the following sections of the Fair Credit Reporting Act that support my complaint : 15 U.S.C 1681 section 602 A : States that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency c

an not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section : States that no consumer reporting agency may make any consumer report containing 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 ) : States that 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. 

Furthermore, I did not authorize the following companies to pull or look at my credit, and I believe these inquiries to be fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, Used 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 VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Non-specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OR, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (FL)

One Main Financial of XXXX FL has not removed inquiry after I mailed a set verification on or around XX/XX/2020. This has deniede better financial & transportation resources for work. The injury is dated for XX/XX/2020.
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. (CA)

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 2019-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

In late XXXX, 2019, we received notification that our home mortgage would be transferred from Shellpoint Mortgage Servicing to XXXX XXXX, effective XX/XX/2019. Our mortgage payment is always due on the first of the month, and the notice advised that with the effective date, we should pay our mortgage to XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted XXXX Bank to make our mortgage payment and right before providing our banking information, noticed that Shellpoint had conducted an auto-transfer from our bank account for the XXXX mortgage payment ( on XX/XX/XXXX ; we previously had been set up on an auto-withdrawal with Shellpoint for our monthly mortgage payment ). The customer service rep with XXXX XXXX  advised that Shellpoint would likely transfer the payment to them. Around XX/XX/XXXX, XXXX XXXX contacted me to make me aware they still had not received the mortgage payment. As of XXXXXX/XX/XXXX, Shellpoint still had not transferred our mortgage payment to XXXX XXXX and so I contacted them. The Shellpoint customer service rep acknowledged the mistake and promised to refund the money to our bank account by XX/XX/XXXX. On XX/XX/XXXX, that had not happened, so I contacted Shellpoint for the second time and had trouble getting a straight answer about their plan for rectifying the mistake. Someone was supposed to call me back that day with an answer but they did not. 

Of note, I made the XXXX mortgage payment on XX/XX/XXXX, to XXXX Bank, per the schedule. 

On XX/XX/XXXX, I called ShellPoint for the third time and this customer service rep said they would wire the money to XXXX the very next day ( XX/XX/XXXX ). On the morning of XX/XX/XXXX, I contacted XXXX and confirmed they had not received a transfer of our mortgage payment from Shellpoint and requested a statement of all moneys received. I then contacted Shellpoint for the fourth time and once again, the customer service rep acknowledged the mistake but did not have an answer for me. She said she would fast-track it to her manager and asked me to call back that afternoon. 

I contacted Shellpoint that afternoon ( XX/XX/XXXX ) for the fifth time and experienced the worst customer service of all five calls. The gentleman was rude, talked over me, refused to let me speak to a manager, refused to provide me a date of when they would transfer the money to XXXX and kept telling me they had 60 days to transfer everything. He said a manager would cal me back. 

As of today, XX/XX/XXXX, Shellpoint still has not wired the money to XXXX, nor transferred it back to our bank account, nor have they returned any of my five phone calls.
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Recovery Solutions, Inc. (GA)

On XX/XX/XXXX, I received my first contact from XXXX XXXX who is an authorized representative for XXXX XXXX XXXX XXXX XXXX, informing me that my payment that amounts to {$40000.00} + additional pending payments ( XXXX XXXX XXXX XXXX and XXXX XXXX dollars and XXXX XXXX cents ) is now due as a result of an automobile accident which took place on XX/XX/XXXX. 

However as this is my first contact from Allied Recovery Solutions , inc . I replied by mail around XX/XX/XXXX informing them that I do not believe the debt is not my responsibility and I wish for them too verify the debt and my wishes for them to acknowledge that I dispute this debt. I also updated my contact information with this mailing since the information they have on file was wrong which included misspelled address and incorrect name I did not receive any mailings, phone calls, or emails until ... ... 
XX/XX/XXXX when I received a second notice that again was sent by XXXX XXXX informing me that they tried to reach me, I've been ignoring their correspondence and have chosen not to respond. XXXX XXXX gave me 10 days to respond and if they hear nothing from me they will take any and all action that there client feels necessary. 

I have since sent another mailing this time Certified Mail too XXXX XXXX informing her that they need to stop with all the malarky that I have not been communicative with them and I even pointed out that they updated my contact information when they received my first mailing, which I thanked them for doing so there would be absolutely no miscommunication while they verify this debt. I also informed them that I will be filing a complaint with the CFPB due to the abuse of the collection process. I have mentioned to them about the Fair Debt Collection Practices Act and even pointed too Section 808. Unfair Practices. Sub- Section ( b ) to help with my case against their collection ways. 

Due to their abuse of the FDCPA, I also informed them that since there previous actions where too ignore the verification process which i requested, I also introduced the FDCPA, 15 USC Section 1692c which i have requested them too stop ALL communication with me and since they abused this act in the near past i hope i had there full cooperation in this matter.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX ACCOUNT # XXXX XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX  XXXX XXXX  USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX XXXX MORTGAGE Non authorization XXXX XX/XX/XXXX, XXXX CONTACT DETAILS XXXX MORTGAGE SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX ) XXXX EXPANSION CAPITAL GROUP Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS EXPANSION CAPITAL GROUP XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX 5. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX FRAUDULENT PHONE NUMBER : 1. XXXX 2. XXXX 3. XXXX
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-03-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (KY)

In XX/XX/XXXX I attended XXXX university, now XXXX for one quarter from XX/XX/XXXX to XX/XX/XXXX. I was awarded 2 private student loans in the amount of XXXX and XXXX for the year. However, only XXXX and XXXX was disbursed, the remainder of the loans was cancelled. The loan was serviced by XXXX XXXX / XXXX XXXX  later sold to XXXX XXXX. XXXX XXXX reports the full amount of each loan on my credit report under their name with false originating dates, I have not been able to contact anyone from their companies. The loan was then sold to XXXX upon logging into navients website I obtained loan history showing payments of XXXX, they also are reporting to bureaus that the loans were late, incorrect amounts and dates. The loans again were sold to ECMC in XX/XX/XXXX I was then garnished via wages and tax offset in the amount of XXXX. They also show negative marks on my credit report for the same loan, some late payments overlapping each other on different lenders for the same debt ( which wasnt even the correct debt. ) I have contacted both ecmc and XXXX   requesting documentation of payments etc. I had to acquire them myself on their website, they also refused to help correct my credit report errors and advised me to call the bureaus directly. I paid a total of XXXX ( to my rough calculations ) to 2 of the 3 lenders that had these 2 loans. Now I understand interest accumulates, but I never had any correspondence advising of the new debt holders, I had been in deferment for some time as well.
Consumer complaint received 2024-05-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I submitted a claim to Citi Cards, disputing a charge because I never received a good I ordered and paid for using a Citi Credit Card. The vendor has not responded to my inquiries, and their website has disappeared, which is why a submitted a dispute claim to Citi Cards. 
Citi Cards investigated my claim and formed the opinion that the failure to receive the good was " customer responsibility. '' However, the order status on the XXXX online purchasing platform shows that the good ( which was ordered on XX/XX/2024 ) still has not shipped, meaning I can not be responsible for the failure to deliver the good. Citi Card 's " Dispute Letter '' seems to confirm that Citi did not actually have communications with the vendor, and therefore did not properly investigate my dispute claim. An attached document titled " Seller/Buyer Notes '' is supposed to provide the vendor 's response to Citi Card 's inquiry, but it is left blank.
Consumer complaint received 2024-03-31
Product: Credit reporting 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: WELLS FARGO & COMPANY (MA)

Wells Fargo reported to CFPB that they have responded to case XXXX  XXXX. They have not. XXXX XXXXXXXX XXXX XXXX  ) from the executive office XXXX promised to resolve issue by XX/XX/XXXX and again by XX/XX/XXXX but did not and has not responded or responded to telephone call. 
Despite being assessed hundreds of millions of dollars in fines by the government, Wells Fargo 's abusive customer service culture continues.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (FL)

I am writing in regard to the charge off accounts on my credit report for my XXXX XXXX XXXX. On XX/XX/XXXX I agreed to pay the lender with the assurance that it will be removed off my credit report, a " pay for deletion ''. I have had a constant battle with lender honoring their part of the settlement. I am requesting that this account be removed. It has now been over 45 days since requesting lenders to delete this account, the request was delivered XX/XX/XXXX through USPS Certified Mail, with no response. The lender have responded to letters in the past stating that the account is accurate, and I advised them I am not denying it. I understand that this account is valid, but I paid this account with the promise of the deletions. I fell behind XX/XX/XXXX, six years ago, because my mother was XXXX with XXXX and had to take care of her. I then settled on XX/XX/XXXX, four years ago and since then I have been dealing with this burden. I paid for deletion, I did the right thing, rather than just waiting seven years for it to fall off. Since then, I have gotten all my finances in order and paid every account on time without a blunder. I am trying to provide for my family and purchase a home for us and this has had a major impact. Please help me be able to provide for my family.
Consumer complaint received 2016-04-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

XXXX XXXX XXXX is collecting on a debt that has been paid. HSBC sold accounts to Capital one., I have number of accounts showing up under HSBC/Capital One. These are accounts for as early as 2002.
Consumer complaint received 2016-03-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

From XXXX to XXXX I took out loans from XXXX XXXX called student signature loans. At the time my mother was assisting me in taking loans out that were for paying for school. Unfortunately, being XXXX XXXX XXXX I trusted the entire situation without much thought. I took out several loans with high interest rates without even a cosigner at the time hoping to accomplish my degree and receive a great job XXXX. I was under the impression that the loans I was taking out from XXXX XXXX were federally backed loans not private loans. I realized that this was not the case when I graduated in XXXX. Also when I took the loans out at the age of XXXX I signed for them without fully understanding the gravity or the overall cost they would amount to. My wife and I currently pay {$1700.00} a month in student loans and now my federal loans are about to kick in as well. We will be roughly at {$2000.00} a month between XXXX us and majority of that payment is mine. I have submitted a complaint before ; however, it did not get anywhere. I am hoping to having a child and maybe even buy a home ; but, in this current state that is impossible.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

I received a bill in the mail for a XXXX Credit Card. It has a balance of XXXX on it. 
The reference number for the charge is XXXX XXXX XXXX NY. It is dated XXXX I do not have a XXXX credit card. 
I never opened a XXXX  credit card. 
I have never used XXXX 
I do not have or have ever used the XXXX app. 

I tried to call the number on the bill XXXX. No one answers, even after being on hold for almost 2 hours. 

The address on the bill is XXXX/Syncb XXXX XXXX XXXX XXXX XXXX XXXX Please help me clear this up as I do not want this to negatively affect my credit. 
My name is XXXX XXXX and my phone number is XXXX. 
Thank you
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I paid XXXX the remaining balance of a charged off loan in the amount of {$54.00} ( {$52.00} plus tax ). The account wasnt updated with the credit bureaus so I disputed the account to get it updated but the account still came back showing a balance of {$52.00}. I called the company multiple times and they have acknowledged that I paid the account but have stated they dont know if the credit bureaus will update the information. Can you please help rectify this problem. 

Attached is the bank statement showing payment to XXXX. Page 6.
Consumer complaint received 2016-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

1. Refusal to resolve problems, refusal to return phone calls addressing phone issues depite promises to the contrary 2. Placing overpayment when account is in good standing and regular payment was made into " borrower unapplied '' for several months instead of applying to principal as requested 3. several fees appear on customer account activity statement F/C and B/R expense ; corp advance adjustment and captial one refuses to explain what the fees are or why the fees do not appear on mortgage loan statement 4. collecting more in escrow than they are entitled to. The annual property tax is {$18.00}, XXXX and the Annual Hazard ins is {$4700.00} yet approx {$35000.00} has been collected. Approximately more than {$10000.00} has been fraudently assessed and stolen by Captial one for the year to date 5. Due to my complaints refusal to send lastest mortgage statement in retaliation
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: EQUIFAX, INC. (GA)

On XX/XX/2022 I paid XXXX the remaining balance of a charged off loan in the amount of {$54.00} ( {$52.00} plus tax ). The account wasnt updated with the credit bureaus so I disputed the account to get it updated but the account still came back showing a balance of {$52.00}. I called the company multiple times and they have acknowledged that I paid the account but have stated they dont know if the credit bureaus will update the information. Can you please help rectify this problem. 

Attached is the bank statement showing payment to XXXX. Page 6.
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 Account # XXXX, has violated my rights. 
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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-16
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. (CA)

I have sent XXXX separate rounds of letters asking the bureau to verify my complaints and verify and show proof of my signature of the credit card and they have yet to provide me with any proof making these unverified accounts that are hurting my credit score to buy a home for my self and my child as a XXXX father this negative reporting is holding our house hold back. Please see attached document with certified mail receipt