davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

This is my second complaint on this website against Shellpoint mortgage servicing. The first complaint { XXXX } was issued on XX/XX/XXXX. Shellpoint replied on XX/XX/XXXX { case # XXXX } { reference # XXXX } stating they were sorry for their mistake, they were going to have Modification documents sent to me within one week, and they were going to immediately contact all credit reporting agencies to have my false late payments removed from my credit report. 
Today is XX/XX/XXXX, Shellpoint has done nothing. Shellpoint is still harrassing me for back payments, they haven't sent me loan modification documents, and my credit is still showing that I'm 90 days late on my mortgage. I've informed Shellpoint that I am attempting to purchase a new home, and I need the lateness 's removed. Shellpoint has assigned me a point of contact by the name of XXXX XXXX XXXX. Mr. XXXX rarely responds to emails, phone calls, and always indicates the issue of the modification and false credit reporting are out of his hands. He refers me to his supervisor XXXX XXXX. XXXX replies to phone calls and emails even less than Mr. XXXX. The times XXXX has replied to me, she's made promises to handle escalate the matter to have my modification documents sent to me and fix the credit report, but still nothing is ever done. 
If this complaint does not get the issue resolved, I will have to resort to legal action. I will sue for damages, harassment, ruining my credit, and the time it's taken to get this cleared up. 
Attached please find Shellpoint 's response clearly stating this matter would be cleared up within one week, and this was over 3 months ago. Also, I've attached proof of all payments, modification documents, and bank statements showing payments coming out of my checking account.
Consumer complaint received 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In Need bank of America to respond to my petition to send me a RESPALDO AND TILA FROM THE ADDRESS XXXX XXXX XXXX XXXX FLORIDA XXXX I REQUESTED THIS BEFORE AND THE BANK HAS FAILED TO COMPLY WITH FEDERAL LAWS MY NAME IS XXXX XXXX   XXXX XXXX. 

I'm requesting especial acomodacin under the American XXXX  Act for tilted 1 to 5 under the United States Department Of Justice
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I just found out that a company by the name of card security had charged my account over XXXX dollars worth of fees for some type of balance protection. I never signed up for this service. 
Apparently they're saying that I agreed to pay for this when I signed up for my credit card account online which I'm pretty sure I did not. 
Since my account is paperless and I have it on auto pay I never felt like I needed to look at my statement. I have called the company twice and I keep being told that they're gon na escalate my case and no one ever gets back in touch with me.
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kirschenbaum & Phillips P.C (NY)

Received a letter from Kirschenbaum & Phillips, P.C. Representing XXXX XXXX, with enclosed Information Subpoena and Restraining Notice dated XX/XX/XXXX. Attaches are supposed Court Papers with Index No. & Firm File No. for a court that I can not find in existence. Court : District Court of the County of XXXX First Dist : XXXX XXXX. Staying that a judgement in said court was filed against me XX/XX/XXXX for {$8300.00}. Furthermore attached is an Exemption Notice stating that Your bank account is restrained or frozen. Which has not affected me.
Consumer complaint received 2019-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections (WA)

NEVER REC ANY DUNNING NOTICE, ONLY NOTICE WAS MAILED TO WRONG ADDRESS, FOUND OUT ABOUT ACT FROM CHECKING CREDIT, CALLED BONNEVILLE TO NOTIFY NEVER HAD CHANCE TO PAY OR DISP BILL AND THEY DIDNT CARE. UPDATED MY ADDRESS WITH THEM, THEY SAID THERES NOTHIN THEY COULD DO AND STILL DIDNT MAIL ME NOTICE WHEN GAVE THEM UPDATED ADDRESS. LEFT NO OPTIONS, FELT FORCED TO PAY BIF W/O CHANCE TO DISP OR EVER SEEING ANY DUNNING NOTICE. I DEMAND DELETION. HORRIBLE ACT MANAGEMENT, ILLEGAL TO REP TO SOMEONES CRED W.O GIVING THEM A FAIR CHANCE TO PAY A DEBT.
Consumer complaint received 2022-08-16
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. (IN)

The Credit bureaus stated that account XXXX XXXX # XXXX was properly investigated, but how is that possible if the account number is inaccurate, the high balance is inaccurate the date of last activity is inaccurate, closed date is inaccurate and late payments are inaccurate. This ground for removal they have also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (OH)

Countless times I have disputed items on my consumer reports. All three companies investigate and then they just take for the word of the actual company that is verified as accurate. None of those accounts are accurate. I have several companies that says that I owe thousands of dollars but Ive never ever had an account with them. Im not sure where theyre getting this information to say that I have, and they have addresses that are listed and those accounts and those addresses are not mine. Ive never lived at any address in Kentucky and Ive never lived there any other address in Indiana, Texas, California, Maryland. I have lived in Ohio all my life but there are three particular accounts that they take off my credit report because they figure out theyre not mine and the company adds them back immediately days later. This is causing me a lot of money to keep doing this over and over for over 10+ years and I need a series fix.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX/ XXXX XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-05
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. (FL)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXXXXXX 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 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Countless times I have disputed items on my consumer reports. All three companies investigate and then they just take for the word of the actual company that is verified as accurate. None of those accounts are accurate. I have several companies that says that I owe thousands of dollars but Ive never ever had an account with them. Im not sure where theyre getting this information to say that I have, and they have addresses that are listed and those accounts and those addresses are not mine. Ive never lived at any address in Kentucky and Ive never lived there any other address in Indiana, Texas, California, Maryland. I have lived in Ohio all my life but there are three particular accounts that they take off my credit report because they figure out theyre not mine and the company adds them back immediately days later. This is causing me a lot of money to keep doing this over and over for over 10+ years and I need a series fix.
Consumer complaint received 2020-09-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Harley Davidson Financial Services Inc (AL)

I was a victim of deception. My ex-fianc established a loan for a motorcycle while I was undergoing XXXX treatments. Once I realized what was done, I did contact the company and tried to explain everything, but they didn't care. The motorcycle was repossessed and I was sent a letter notifying me that it was going to be sold at an auction. I never received any other notification from the company until the balance owed showed up on my credit report. The company, Harley Davidson, never sent me a break down of the balance once the motorcycle was sold to explain the balance. I have tried to contact the company several times by letter to get a copy of breakdown in charges and the only thing that I was sent was a copy of the contract agreement that has a electronic signature. My ex-fianc had my  personal information and applied for the loan in my name and the address on the loan agreement was partially incorrect. There are many red flags about this situation and I want to understand why I am owed the balance that they state I owe. The loan was generated on XXXX XXXX, in the amount of $ 24,046.80.The loan was for a XXXX  XXXX XXXX XXXX XXXX XXXX. The balance stated owed is {$10000.00}. There was a {$3000.00} service contract on the motorcycle per contract, and also {$990.00} XXXX XXXX. These are both refundable items. I am reaching out to your organization in hopes of rectifying my issue with company.
Consumer complaint received 2022-08-28
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. (FL)

There was a collection posted to my credit report after the payment had already been made. I have sent proof of the payment from the companys ( XXXX  website as well as a copy of the payment posting to my bank account with XXXX listed as the company withdrawing funds from my account. 

Date XXXX : XXXX, XXXX  Amount : {$110.00} Actions : Disputed the collection with the 3 major credit bureaus
Consumer complaint received 2021-04-13
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: Experian Information Solutions Inc. (OH)

Experian keep reporting information that have been resolved by other credit agencies. Experian I have sent them a certified letter which they sign for. XX/XX/2021. For the removal of XXXX XXXX XXXX from credit report.
Consumer complaint received 2018-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

As of XX/XX/2017 i c sytems inc sent information stating to all credit bureaus saying a amount of {$370.00} was owed by me. since then there is negative remarks on my credit report thats has brought my credit score down by 49 points ... i dont have any knowledge of i c sytems or have i ever been associated to i c styems or the original creditor and i do not owe a amount of any.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

My cashapp account was compromised. A XXXX XXXX account was linked to my account. I have no history with XXXX XXXX  or any of its affiliates. Cashapp performed an investigation under case number XXXX. They denied and closed my case stating " Based on the information I provided, their investigation led them to determine that the transactions was authorized by myself or someone I know '' I am requesting the information used to determine that I have authorized this XXXX XXXX to be attached to my account.
Consumer complaint received 2022-08-16
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. (TX)

IN ACCORDANCE AND PURSUANT TO THE FEDERAL CREDIT REPORTING ACT 15 USC 1681 SECTION 602 ( H ) - I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 ( A ) ( 2 ) - A CONSUMER REPORTING AGENCY MAY NOT FURNISH MY INFORMATION WITHOUT WRITTEN CONSENT.

15 U.S.C. 1681 ( B ) PERMISSIBLE PERMISSION TO USE INVOLVING A CREDIT TRANSACTION IN ACCORDANCE TO THE CONSUMER BY WRITTEN CONSENT XXXX, EQUIFAX, AND XXXX HAVE VIOLATED MY RIGHTS BY FURNISHING THE FOLLOWING ACCOUNTS. 

XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX  XXXX XXXX. 

XXXX XXXX XXXX$220.00} CLOSED 71 POTENTIALLY NEGATIVE MONTHS XXXX  XXXX XXXX CLOSED XXXX LATE PAYMENT XXXX {$0.00} CLOSED XXXX POTENTIALLY NEGATIVE MONTHS XXXX {$0.00} CLOSED XXXX POTENTIALLY NEGATIVE MONTHS XXXX  {$0.00} CLOSED RESOURCE XXXX XXXX - XXXX XXXX XXXX XXXX XXXX According to The Ninth Circuit, in Pintos v. XXXX XXXX Association ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies. 
As the court interpreted and based on has been done in my case, FACTA clearly states that one only has a permissible purpose for obtaining a credit report under US 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE XXXX XXXX  REPORTERS XXXX XXXX  MORTGAGE REPORTERS XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEALERS, XXXX XXXX  XXXX XXXX XXXX XXXX COMPANIES All Rights Reserved Without Prejudice XXXX XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2024-03-06
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. (NY)

proof of validation and original contract .according to the fair credit reporting act 15usc 1681 section 602 a states a need to insure fairness and respect for consumer right to privacy.equifax, XXXX  and XXXX are consumer reporting agencies.i am a consumer.15 use 6801 states protect the security and confidentiality of those customers.XXXX XXXX  is financial institute by def under title .15 usc 1681 section 604a section 2XXXX XXXX, XXXX  XXXX equifax and XXXX does not have my consent to furnish this information or written consent.any and all consent to XXXX, equifax, XXXX, XXXX XXXX XXXX XXXX XXXXweather it be verbal or non verbal written or unwritten is revoked. 15 use 6802 b c states financial institutes may not disclose non public information. XXXX XXXX, XXXX XXXX and XXXX never informed me of my rights to exercise my disclosure option.also 15 use 1681c a 5 except as authorized under sub sec b is against the law.
Consumer complaint received 2022-08-16
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. (TX)

IN ACCORDANCE AND PURSUANT TO THE FEDERAL CREDIT REPORTING ACT 15 USC 1681 SECTION 602 ( H ) - I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 ( A ) ( 2 ) - A CONSUMER REPORTING AGENCY MAY NOT FURNISH MY INFORMATION WITHOUT WRITTEN CONSENT. 
15 U.S.C. 1681 ( B ) PERMISSIBLE PERMISSION TO USE INVOLVING A CREDIT TRANSACTION IN ACCORDANCE TO THE CONSUMER BY WRITTEN CONSENT XXXX, XXXX, AND TRANSUNION HAVE VIOLATED MY RIGHTS BY FURNISHING THE FOLLOWING ACCOUNTS. 

XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXXXXXX XXXX {$220.00} CLOSED XXXX POTENTIALLY NEGATIVE MONTHS RESOURCE XXXX XXXX CLOSED XXXX LATE PAYMENT XXXX XXXX$0.00} CLOSED XXXX POTENTIALLY NEGATIVE MONTHS XXXX XXXX$0.00} CLOSED 4 POTENTIALLY NEGATIVE MONTHS XXXX {$0.00} CLOSED RESOURCE XXXX XXXX - XXXX XXXX XXXX XXXX XXXX According to XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Association ( XXXX XXXX 2007 XXXX XXXX XXXX XXXX it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies. 
As the court interpreted and based on has been done in my case, FACTA clearly states that one only has a permissible purpose for obtaining a credit report under US 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 All Rights Reserved Without Prejudice XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes ( XX/XX/2018 ), XXXX, Experian, & XXXX, in concert, have failed to investigate or respond to issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

The ATM at Wells Fargo Bank is accepting deposits and provides a receipt for the deposit. The next day the bank makes an adjustment to my account removing the deposit. When calling, you get transferred from one department to the other. over 1 hour on the phone, only to be told to wait 2-10 days for a copy of the returned check. This has happened to me 2 times once for {$280.00} and this time for {$720.00} on XX/XX/2022. I received a letter today XXXX showing : " While processing the transaction a system error occurred resulting in us recording a deposit of {$0.00}. As a result, we deducted the {$720.00} from your account. WE MAY REACH OUT TO YOU IF ADDITIONAL ASSISTANCE IS NEEDED TO RECOVER THIS TRANSACTION ''. My complaint is that Wells Fargo is taking customer money with no accountability.
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending information to verify myself with my disputes ( XX/XX/2018 ), XXXX, XXXX, & Transunion, in concert, have failed to investigate or respond to issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.
Consumer complaint received 2019-01-29
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. (OH)

My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a opt-out of your disclosing future information until further notice including the and other furnished TRANS UNION XXXX XXXX XXXX XXXX inquires regarding all personal information. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a business owner my company is XXXX XXXX XXXX XXXX XXXX XXXX. I have had issues with addresses on my credit report that do no belong to me. The following addresses are not accurate please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

There is an account reporting on my Equifax and XXXX that is past the statue of limitations yet this XXXX XXXX continues to report it as a collection account when it was charged off with XXXX over 7 years ago. They continuously report an aged account and that is against the FCRA! This is absolutely insane and they report the account as being past due of {$45000.00} and balance of {$130000.00} if the account is a charged off account then how could the balance be any different than the past due?