davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Approximately XXXX XXXX opened Checking/Saving Accounts with USAA. However, suspected USAA were slowly stealing funds from account. This was more evident when around XX/XX/XXXX a substantially large amount of funds were taken in order to deplete my account of funds to intentionally cause default in Mortgage and Car loan. Approximate amount undetermined. However, {$43000.00} was deposited in XX/XX/XXXX and 8months later all funds were missing. Disputed with bank but was told that no transaction exist to support complaint. I asked bank to utilize all transactions for entire year ; but, was again denied.
Consumer complaint received 2020-02-06
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. (VA)

I already reached out to Transunion and to XXXX, XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (FL)

I have spoken to several members of management regarding my Nordstrom Visa application. Because of my fraud Alert they requested of me twice my DL, SS Card, And Utility Bill with my name and address on it. I get one member of Credit willing to help me get approved and I believe that I am being definitely being treated unfairly. My credit score and documents match up why do they keep declining me.
Consumer complaint received 2015-06-18
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (TN)

This collection agency XXXX sent my fiance ' the letter advising of her debt to XXXX XXXX XXXX XXXX, upon which she has disputed. We faxed her dispute letter directly to this agency on XX/XX/2015 requesting to validate the debt. We received another statement on XX/XX/2015 threatening credit reporting actions against her if she did not pay in full and did not send validation of the debt. This violates the right to dispute and is also considered overshadowing.
Consumer complaint received 2019-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I submitted the following complaint last year. I never show an email that stated that there was a need for my response. 

I submitted an application for XXXX  Loan Forgiveness to Navient in XX/XX/2018. They sent a letter to me stating that because I did not put my social security number on top of each page that the application could not be processed. I resubmitted the application with my social security number on the top of each page of the application in or around XX/XX/2018. I called on XX/XX/XXXX and now they are claiming that they are not in receipt of my application! This is ridiculous! They need to be held accountable and process my application. 

Regarding Navients response, I did send the form to them with the required information on top of each page. What should I do to protect myself from Navients failure to acknowledge the receipt of my form that DID include my social security number on the top of each page?
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (NY)

I had an alert this morning on their app that my credit score with down by 16 points which they have never given me a one time score of 16 points for paying my accounts or bills on time and why did they decreased my credit score by 16 points? I was expecting an increase score because i paid off my car loan and one of my student loans because am trying to buy a house. Since my credit score went down, i wanted to know what i did wrong that cause a negative impact on my credit score so, i called Experian and spoke with a representative by name XXXX. XXXX told me that there is no information about why the system decreased my credit score but he knows that the system sometimes miss behave. He then asked me to wait for some few days and that the system will put my scores back together. I was shock and didn't know what to say again because if they have a system that plays with my life, my ability to buy a home, then what else can i say! 
I went ahead to ask about my disputes but he had no idea about any disputes and wanted to transfer me to the dispute department for me to make another dispute. 
It has come to me knowledge that Experian is finding ways and means to lower my credit scores so that i will not be able to get any credit approval and that i will be force to pay for accounts that I have no knowledge of. Experian and the creditors have no prove or right documents by law that those closed and collections accounts belongs to me. The closed and collations accounts doesn't belongs to me and they must delete them from my credit report since they have know prove. 
I want CFPB to intervene. 
.
Consumer complaint received 2020-02-06
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. (VA)

I already reached out to Experian and to XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Consumer complaint received 2020-02-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TFC Credit Corporation of California (CA)

After recent fraud on my credit report I have looked into accounts deemed in accurate. The debt collection agency TFC has been unable to verify the account is mine. I am Veteran and went to XXXX XXXX, utilizing my VA benefits. I would like proof of the agreement signed accepting the private loan because I never signed for a loan nor was that given to me as an option. Please provide the contract accepting the loan or documentation I had agreed to be responsible for the payments.
Consumer complaint received 2022-08-29
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX 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
Consumer complaint received 2022-08-29
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX 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
Consumer complaint received 2019-11-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (IA)

Pro Collect on 3 occasions, within the 30day dispute timeframe, has refused to provide verification of a debt they claim is owed. When the debt was disputed I was advised it was a refusal to pay and that it would be reported to all 3credit bureaus and would indefinitely and significantly impact my credit if not paid in full immediately. When I spoke to a supervisor I was also advised account would be marked as a refusal to pay and it would be updated to all 3credit bureausAnd they do not need to provide verification of this debt and even if it is disputed they will continue to call and collect.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

I mailed a letter to Experian on XX/XX/2022 asking that they remove all of the incorrect and inaccurate addresses listed on my credit report because I am afraid that I'm susceptible to identity theft and fraud! They did NOT remove all of the incorrect addresses off of my credit report! According to the FCRA, my credit report must be 100 percent accurate and verifiable. And consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. I only have ONE address, but Experian has kept all other incorrect and inaccurate addresses on my report after I already asked them to remove them! I even verified my address by sending them a copy of my license and verifiable utility bill! Experian is in TOTAL violation of my rights to accurate credit reporting!
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (TX)

Two transactions were allowed to debit my account without authorization. I have filed a dispute. The card holder agreement states that provisional credit is to be provided within 10 business days. The date they have set for update is more than a month from the filing date which is a clear violation of their own terms and conditions. They're not protecting me as my financial institution. Please assist. I am also attaching their terms and conditions to this complaint for reference.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (TX)

Lending Club reported negative to my credit report in XXXX of XXXX when my account was settled and paid on XX/XX/XXXX. This is inaccurate and is currently lowering my credit score from being less than 60 days old and blocking me from refinancing my home. They were paid over a year and half ago. They should not continue to report to my credit after settlement.
Consumer complaint received 2021-11-05
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: EQUIFAX, INC. (SC)

XXXX XXXX is report inaccurate information to my credit report. 
XXXX reports the DATE OPENED XX/XX/2018 and XXXX & Equifax report the DATE OPENED XX/XX/18 Amount : Balance : {$990.00} {$990.00} {$990.00} The HIGH CREDIT and CREDIT LIMIT do not match. 
Date of last active do not match. 
Date of late payment do not match. 
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

XXXX AND XXXX XXXX, have never been my accounts. I have sent away many letters to get these removed from my credit report. These have no contact information to dispute. I need these removed, it has been over 5 months! I have been emailing about XXXX XXXX, which has XXXX cards with my name, yet has no contact information. How am I supposed to move forward if my fraud alerts and removal letters for frauded hard inquiries are not being honored?
Consumer complaint received 2023-01-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (IN)

My sister XXXX XXXX informed me that she received a text message from Resurgent Debt Collector that discussed resolving a debt and gave specific amounts due ( image attached ). I have no idea why the message was sent to her. I am not on her phone contract and have never given her number as my own. This is a violation of the practices forbidden by the FDCPA. My privacy rights have been violated and I want all communications with them to be in writing via mail to me since they can't be trusted with personal information via electronic means. I'm sure if this is happening to me, it's happening to others. I recently paid off some debts through them so they do have my correct and current contact information. There was no need to send a message to my sister who does not share my name ( first or last ). How can they send information via text without confirming who the identity of the person receiving it.
Consumer complaint received 2019-02-06
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. (CA)

today I checked my credit report and found on there some inquiries that I never requested or that are unfamiliar please get off. 
XXXX XXXX on XX/XX/XXXX consumer request XXXX on XX/XX/XXXX written authorization XXXX XXXX code on XX/XX/XXXX XXXX  on XX/XX/XXXX for c ollection   XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX   on XX/XX/XXXX for consumer initiated transaction XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX all these are unknown unfamiliar
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capital One advertises their auto rental collision damage waiver without clearly disclosing that it does not apply to foreign rentals lasting longer than 30 days. I rented a car in XXXX for 34 days, it was damaged, and the car rental company charged me {$1700.00}. I submitted a claim for the damages and it was denied based on fine print buried deep in the current terms and conditions ( which may have changed since I took the card out several years ago ). 

Had Capital One and Visa clearly disclosed this limitation on the XXXX benefit, I could have broken up the rental or taken other steps to make sure I was protected. I have asked them to make an accommodation as matter of customer service, and they refused.
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (TX)

Credit reporting agencies do not provide credit scores for free, nor will they provide all of your credit scores. This is harmful to consumers. Credit reporting agencies should be required to provide ALL credit scores they provide to creditors, lenders, insurance companies, etc., and explain the differences between those scores. Why in this day and age has XXXX not passed a law that allows consumers to have immediate, and always available access to not just their credit reports, which they can only get for free once per year, but also access to ALL of the credit scores that a credit reporting agency will generate for use by their paying creditors. Credit reporting agencies make the vast majority of their profits from creditors who request credit scores and reports on consumers, so stop making consumers have to pay for this information and make it always available and make ALL information available, not just a credit report. Scores are what matters, and consumers should be able to know each and every score that a credit reporting agency maintains about them, and they should be able to get this information at no cost, and on an immediate basis.
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CO)

On XX/XX/XXXX, we applied for a mortgage loan through XXXX XXXX to purchase a condo. We also signed a the contract to purchase the property on that date. We were provided a schedule of requirements, including a date in which we needed to place {$3000.00} in earnest money for the purchase. As we went through the process, we were told that we would be scheduled to close on XX/XX/XXXX. During the week of XX/XX/XXXX, we were then told that the lender, Paramount Residential Mortgage Group XXXX XXXX, dropped the ball and did not order a condo project review. This would push our closing to XXXX. On XX/XX/XXXX, we received a closing disclosure that we reviewed with our mortgage broker, XXXX XXXX. I questioned the total due at closing as the disclosure did not include the earnest money that we placed on deposit previously. When we questioned this, we were told that we would get a final disclosure once the title company balanced the numbers with the lender, so we signed it. On XXXX, we were told that our closing needed to get pushed again as the lender had not completed their review. The closing then got pushed to XX/XX/XXXX. I questioned getting a new closure, which I thought had to be sent to us 3 days before closing. I was then told no, they were still compliant. On XX/XX/XXXX, we were then told that the closing was not going to happen until XX/XX/XXXX. I still did not have a final disclosure with the total fees due at closing. On XX/XX/XXXX, we were provided with what was to be our final fees due at closing, I went to the bank to get a cashiers check. On my way there, I got a call that the final number had changed. When I arrived at the bank, I was told they had changed again. I waiting for a final call back to get the final numbers for closing. Again, I was provided final numbers a few hours before closing the loan. We closed the loan on XX/XX/XXXX at XXXX MST. We were done signing at approximately XXXX and then had to wait for the lender to review the documents and provide approval that they would fund the loan. We sat at the title company until XXXX XX/XX/XXXX. MST.
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

I applied for assistance in saving my home with my servicer, Shellpoint Mortgage Servicing, on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork. My attorney confirmed Shellpoint received my full and complete application and all financials on XXXX/XXXX/2015. My attorney called Shellpoint several times for an update after the submission. No calls were ever returned. Shellpoint only returned the calls after the home had already foreclosed. 

I never received any approval or denial letters from Shellpoint until after my home was foreclosed on XXXX/XXXX/2015. My attorney finally obtained a copy of a denial letter from Shellpoint by fax on XXXX/XXXX/2015. My home was foreclosed while waiting for a response from Shellpoint. 

I feel my servicer purposely withheld my denial letter, avoided taking calls from my attorney and did not advise me I was denied in order to evade allowing me the time appeal the decision before setting a sale date and actually foreclosing my home. 

My servicer XXXX set a sale date before my timeline to appeal expired : Denial Letter dated : XXXX/XXXX/2015 ( Attached ) Timeline to appeal per denial letter : XXXX/XXXX/2015 ( Attached ) Sale Date set on : XXXX/XXXX/2015 - XXXX ( Attached ) My real estate attorney states RESPA Regulation X ( 1024.41 ) ( Copy Attached ) prohibits servicers from moving forward with an order of sale while under review or within the appeal period for loss mitigation. I feel XXXX Shellpoint Mortgage Servicing broke the law when they moved to order a sale date on XXXX/XXXX/2015. They should have waited until after XXXX/XXXX/15 to set the sale date. 

In summary, I feel I was illegally foreclosed while I was awaiting a decision on a loss mitigation application. My servicer purposely hid the fact they had denied me in order to evade allowing me to appeal the decision. They illegally set a sale date against me on XXXX/XXXX/2015 during the timeline in which I was supposed to be able to appeal. They did not allow me to appeal the denial by way of hiding it from me. I did not actually receive a denial letter until XXXX/XXXX/2015 ( Attached ), which is after they had already foreclosed me. I am sure Shellpoint XXXX will attempt to tell you that this is all a misunderstanding, but it is very evident it was on purpose.