davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I AM RE-SUBMITTING THIS COMPLAINT BECAUSE EXPERIAN APPEARED TO HAVE NOT READ MY COMPLAINT, PROVIDED A FORMATTED RESPONSE, AND DID NOT ADDRESS THE ISSUES OR THE QUESTIONS IN MY COMPLAINT.NUMBER XXXX. 
I have proof in the enclosed document of the following facts : Experian is knowingly and willingly violating the Fair Credit Reporting Act by implementing wrongful policies and procedures that are damaging my credit rating, as well as the credit standing of possibly thousands of people in the United States. Experian is knowingly accepting False or Inaccurate reports from Data Furnishers ( XXXX XXXX ) with the intent and purpose of damaging my credit standing. I also strongly believe that they are working in concert with Data Furnishers to achieve the same purpose. Experian has focused on my credit record with the intent and purpose of causing damage to it, probably at the request of XXXX XXXX, in violation of the Fair Credit Reporting Act, by monitoring closely all my activities and reducing my credit score in an outrageous and inappropriate manner over minuscules amounts of money ( ( {$95.00}, {$160.00} ) that have appeared as balances in my credit card accounts that I have immediately after they appeared or by ignoring major payments that I have made to reduce the balance of Loans of credit card accounts to XXXX, and increase my credit score points as the other two Credit Reporting Agencies have done, Experian is intent on causing damaging my credit record and/or keeping my credit score very low, either by acting on their own or in concert with Data Furnishers , such as XXXX XXXX XXXX XXXX ignoring any positive moves that I have made to my financial status, or by outrageously, arbitrarily and disproportionally reducing my score when they have seen minimal amounts of money as balance outstanding in any bank/financial company where I have accounts open. Experian has, over the past 18 months, has in an outrageous. arbitrary, and disproportionate manner damaged my wifes credit record by lowering her credit score several times without any merit. Experian has wrongfully lowered her credit score that used to be XXXX by XXXX points, because they ( Experian ) took into account only new debt, and overlooked the payments, by the same amounts, that my wife made at the same time.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I am a 15 year member with USAA. On XX/XX/2024 I attempted to deposit {$300.00} cash at a XXXX drive-up ATM addressed at XXXX XXXX XXXX XXXX XXXX XXXX, Ohio. I inserted my USAA debit card, inputted my pin, selected the deposit option, stated I was depositing {$300.00}, the door on the ATM opened and I inserted the XXXX hundred-dollar bills. The door closed and the ATM froze. I was unable to make any selections at all on the screen and/or keyboard. The screen was showing a message of 'do you need more time? ' with a yes or no option. my debit card was locked into the machine, and the {$300.00} was unrecoverable. I sat in the drive through ATM for about 20 minutes attempting to recover my debit card. My wife called the XXXX customer service and was told the issues we were experiencing was 'not their problem ' and 'needed to be directed towards my ( USAA ) bank. Eventually I got fed up and ripped my debit card out of the machine and went home, with the ATM still frozen. I was not given a receipt by the ATM but I figured between the cameras and debit transaction log it wouldn't matter. I recorded the event on my phone and called the XXXX police, but they refused to make an appearance. I made more attempts to contact someone on the XXXX and the XXXX and the XXXX and was told every time by XXXX XXXX  that ( USAA ) needed to file the dispute on my behalf, I did not have the 'authority ' to file a dispute against XXXX XXXX. USAA not only once, but twice sent me denial letters stating I have no proof of the event and the case was essentially closed. The letter provided by USAA stated I needed to 'pursue this issue with the ATM owner '. So, to summarize, XXXX XXXX  won't work with me and is telling me to have USAA file the dispute, while USAA is refusing to step up on my behalf and file the dispute to recover the {$300.00} from the malfunctioned ATM machine. I feel there is gross negligence in this scenario by both parties and the ATM owner as well, which did not have any visible serial numbers, emergency contact information, or other ways to identify the machine. I refuse to accept the answers from both of these banks ; this is not consumer protection. When an ATM malfunctions, I should be represented and protected by my bank and the owner of the ATM should be more than willing to rectify the situation. I firmly believe USAA has failed to request the data log of the ATM machine ; I also firmly believe this could be easily resolved by simply looking at the camera as well. I AM HUMBLY REQUESTING OVERSIGHT TO THIS VERY SERIOUS MATTER.
Consumer complaint received 2021-12-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Santander Consumer USA Holdings Inc. (TX)

Ive called SANTANDER CONSUMER USA XXXX, and have asked their XXXX office multiple times if they could correct my billing error. 

Pursuant to XXXX XXXX XXXX ( B ) ( i ) - Correction Of Billing Errors I, XXXX XXXX, the natural living consumer and XXXX, has reason to believe and does so believe I have received a billing error from SANTANDER CONSUMER USA XXXX, and I need all disclosures required by federal law to satisfy the billing error dispute.
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (IN)

WayPoint sent a letter dated XX/XX/2018, in which WayPoint provided insufficient evidence of debt validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Furthermore, this was provided outside of the legally-required 30-day period pursuant to the FDCPA. 
On a letter dated XX/XX/2018, WayPoint alleged one " XXXX XXXX '' owed a debt of {$51.00} for an account with XXXX XXXX. 
I received this letter via US Mail on XX/XX/2018, and sent a request for validation on XXXX XXXX, as you will see in the attached documentation. 
On a letter dated XX/XX/2018, WayPoint stated that they had received my request for validation and would investigate further, pursuant to the 30-day requirement. 
I did not receive any communication providing validation before XX/XX/2018 ( 30 day window ), and sent a notification to WayPoint that as you have failed to provide validation pursuant to the requirements of 15 USC 1692g Sec. 809 ( b ) of the FDCPA, this matter must be closed. 
On a letter I received on XX/XX/2018, dated XX/XX/2018, WayPoint provided, outside of the 30-day period required in 15 USC 1692g Sec. 809 ( b ), claims of debt verification, not evidence of debt validation.
Consumer complaint received 2018-11-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastern Account Systems of Connecticut, Inc. (CT)

Back on XX/XX/18, I was contacted by XXXX XXXX XXXX XXXX  They called my cell phone a couple of times and left no voicemail. After finding out they were a debt collector, and due to the fact that I know that I don't owe anyone anything, I called them back to see what the problem was. They were looking for someone ( some XXXX ) who only shared a last name with me, and I had no idea who they were. They apologized and said they would take my number off of the list. 

This morning ( XX/XX/18 ) I received yet another phone call from them, same situation, I don't owe anyone a cent. I tried calling them back, twice, at ( XXXX ) XXXX to remind them what was discussed, and all I get is dead air. I'm sick of these people calling me over a complete stranger 's debt. This is ridiculous.
Consumer complaint received 2018-04-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, my wife and I sent letters to the credit bureaus asking them to investigate errors on our credit report. I am attaching a copy of the letter we sent to them. They are supposed to respond within thirty days, but they have not.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

I just needed 1 credit report from 1 of the companies. 
XX/XX/2022 I tried 6 times getting my free credit report via XXXX as listed on XXXX XXXX XXXX 

The first 4 times I tried doing it online. 
I tried XXXX XXXX. It put my incorrect current address, though I filled out the form correctly. 
And then : " Page not found The page you requested does not exist or can not be found. 
Please return to XXXX and follow the steps on that site to request your free annual credit report. '' I tried Experian twice via webpage too. 
Each time they gave non-relevant security questions where I checked : none of the above. 
The page said ( and there are no typos I'm writing ; the webpage had the typose ) " we have experienced an issue processing your request. We-re sorry, we are unable to process your request at this time. Please contact our Costomer Care Team at XXXX for additional help completing you request. The Costumer Care Team is available between XXXX. '' The second 2 times i tried doing it on the phone XXXX 1st time ( XXXX ), the automated system kept getting my name wrong, and there was no confirmation the computer got it correct, since the software didn't repeat the spelling of my name back to me. 

The 2nd time, a similar thing happened with Experian. 

I hope i get the reports mailed to my address, but there's no confirmation that the info was inputted correctly by the software.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (MO)

I submitted a complaint with the CFPB, the end of XX/XX/2018, for XXXX XXXX collecting on behalf of XXXX I sent letters to the company asking to verify the debt I owe, bearing my signature. They repeatedly sent bills back to me verifying nothing. Nothing with my signature verifying the debt. They reported to the credit Bureaus and hurt my credit score drastically over a debt they can not verify. I was sent back a letter from XXXX XXXX  on the complaint I filed, On XX/XX/XXXXthrough CFPB, that said XXXX  has recalled the account and they removed from the credit Bureaus except for one Bureau. Now XXXX  again has chosen a different collection agency and they have reported to all the credit Bureaus again. This company is Source Receivables Management, XXXX NC, I didn't receive a letter in the mail, not a phone call, anything from this company. XXXX   recalled this account because they can not verify this is my debt. The amount they say I owe is XXXX. I do not owe this debt and recalling the account and moving on to a different collection agency doesnt make the debt valid. I would like for them to stop harrassing me and remove from my credit Bureaus immediately. The next steps will be the Attorney General 's Office and or the XXXX XXXX XXXX.
Consumer complaint received 2020-08-01
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. (VA)

This will appear to be a duplicate but CFPB it is Not. I am adding additional documentation in support and verbiage below. CFPB you can mark the complaint XXXX as a duplicate and close that one submitted to Experian on XXXX XX/XX/2020. 

I am submitting this through CFPB so that I can upload my documentation for my new address Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address, also my government ID. I am in the process of selling my vehicle thus will not be in need of a DL. I have provided a government ID nor will be getting one ( of which was permissible in the past by Experian ). All I can do is provide my IL DL - to show you who I am but the address is not correct. Please update this address. I no longer live in the XXXX XXXX XXXX  I have also provided a copy of my current report and profile address data. Also, today, I received another document of which further proves where I live otherwise I would not be in procession of it from Experian. My address is updated with CFPB and on the Experian website. I would prefer to do all of this through the site but it is not working and has not been for some time.
Consumer complaint received 2018-04-09
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. (TX)

I requested from the US bankruptcy Courts of Ohio how they go about reporting to the 3 credit bureaus and they sent me a letter dated XX/XX/XXXX stating they do not report to the credit bureaus. I sent this information to the credit bureaus on XX/XX/XXXX via certified letter and had no response. On XX/XX/XXXX I  called Experian to inquire if my letter had been received and was told that the letter had been received but that the information would not be put in dispute or removes, based on the fact that the fcra protects 3rd party reporters and the information obtained was public record and could be reported by any contracted reporter to the credit bureau. When I asked the young lade ( XXXX ) to let me speak to her manager for resolution I was sent to a voicemail box for ( XXXX ).
Consumer complaint received 2023-01-03
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. (CA)

Your information is inaccurate. I do not recall having a XXXX on the date you are reporting and there is a blank field making your information incomplete as well. Your public record information is often inaccurate, which is the case in what you are allowing on my credit report. You are allowing slander on my credit report. Your butts need to be sued if you do not remove this from my credit report. Delete this immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

There is currently an account on all three of my credit reports under the name of XXXX XXXX XXXX XXXX  in the amount of {$820.00}. This is a fraudulent account. I have never taken out a loan at any time with XXXX XXXX XXXX. I believe that XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX  are the same people trying to commit fraud against my account. Please see previous dispute and correspondence email from XXXX XXXX XXXX. ( attached )
Consumer complaint received 2022-08-17
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: Capio Partners, LLC (GA)

a collection letter as sent to me from asset care llc and a derogatory mark was listed on my credit file with credit check total. when I researched this company because I never had a account with them I found that the account was transferred or sold which makes me no longer responsible for this account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for this accused debt. Sending me a bill with no signature or contact does not validate this debt, Anyone can send a bill to someone and say its there's. According to the FCRA, Asset Care LLC HAS VIOLATED MY RIGHTS as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (PA)

On XX/XX/2020, I disputed medical bills from National Recovery showing on all 3 of my credit reports. They came back to me as verified. On XX/XX/2020, I wrote to National Recovery requesting how they verified these accounts as mine, specifically asking for the document showing my signature for service and asked them for the HIPAA release as well, as you can see on the attached documents, they received specific treatment information about me. 

The following issues arise : 1. When the credit bureaus notified me that the accounts were verified, National Recovery simply sent me copies of the bills.

2. When requested their Method of Verification from National Recovery, they simply re-sent copies of the bills.

3. National Recovery has not, nor do I believe they are able to, verify that this debt ( s ) is indeed mine to pay. However, they remain on my credit reports as negative accounts.

Under code 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I have the right as a consumer to request competent evidence, that I owe this debt. A copy of the bills is not competent evidence, as I can make those up myself.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

There is currently an account on all three of my credit reports under the name of XXXX XXXX XXXX XXXX  in the amount of {$820.00}. This is a fraudulent account. I have never taken out a loan at any time with XXXX XXXX XXXX. I believe that XXXX XXXX XXXX XXXX and XXXX and XXXX  are the same people trying to commit fraud against my account. Please see previous dispute and correspondence email from XXXX XXXX XXXX. ( attached )
Consumer complaint received 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

This mortgage was paid off on XXXX XXXX by XXXX XXXX XXXX XXXX thru Escrow company XXXX XXXX XXXX XXXX. Since I was selling this house everyone wanted it to close fast. Someone did not update the demand for payoff of the loan and instead of paying {$580000.00} actual mortgage payoff, the title company wired {$590000.00} ( Im using rounded numbers ) so this created an overage that was due me out of my equity proceeds. There was an overage which was sent back to an ach number that had nothing to do with the loan payoff. Rather than send it back to the title company SHELLPOINT sent it to a contractor who was working on my house and we had an arrangement. I paid him already out of my escrow proceeds the money due him and this money was supposed to come back to me. Its mine. I do now wish to deal with Mr. XXXX XXXX the contractor anymore because he has threatened me many times and Im afraid for my life. SHELLPOINT mistakenly sent the money back to him because he was making the payments because of our business arrangement. The money was supposed to come back to me the only listed person on title. We signed a release and I sent him the remaining money he was due. Im XXXX years old and he used my house to make money and threatened me when I started acting up. SHELLPOINT said they were looking into it last Thursday then I called today and they had NO record of anyone looking into my concern. They gave me the ACH numbers which match up to the contractors Routing and account number. The contractor has not sent the money back to me and SHELLPOINT is saying so far they are looking into it but noone calls me back! They claim they sent it back to the last ACH number they had in their file and that would have been the contractor because he made the last payment to them ... but I already settled up with him on this payment. I am afraid to contact the contractor. SHELLPOINT should have never wired to an account when they didnt know who owned the account. SHELLPOINT was very rude to me.

I am left without {$5100.00} I was due and as a senior citizen recovering from XXXX I have limited resources now after this sham contractor used me. SHELLPOINT needs to get the money back from XXXX XXXX ACH XXXX XXXX and deliver it to the right owner on title, me. Mr. XXXX is not on title to my home and never has been. He tried to get me to sign over the grant deed and I refused. The property address was XXXX XXXX XXXX, XXXX XXXX  XXXX, Ca XXXX - my sold house. 

Thank you please help me. 
Sincerely, XXXX XXXX