davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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. (IL)

Continuously violating my rights as a consumer under the FCRA. 

Failing to property investigate my dispute request Failing to respond within 30-45-60 days. 
Failing to provide method of verification despite serveral request. 
Failing to acknowledge to supporting documentation as proof of erroneous information Refusing to acknowledge a dispute request.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Outsource Group, Inc (NC)

The recently received a copy of my credit reports from all three bureaus were XXXX collection company reports a debt on behalf of XXXX XXXX I requested a validation of debt from XXXX with no response then I filed a compliant with the CFPB were XXXX reposed by providing what they say is proof of debt the problem is 1 .... The consent to treat is dated XX/XX/XXXX ( which is typed ) and also signed and is a outpatient consent to treat ... ..since there was a hospital stay according to the bill there would be a consent to treat from the hospital stating inpatient consent the form provided is clearly a form from a regular doctor visit and even lists my primary care doctor 2. The responsible party name in the consent form is XXXX, XXXX XXXX 3.  The bill provided shows a Date of service as XX/XX/XXXX to XX/XX/XXXX ( Which doesnt match the consent to treat form dated nearly a year ahead of date of service ) 4. visit number is XXXX according to the bill however the consent form reference number XXXX 5.The collection number did not provide proof that they were hired to collect on behalf of XXXX XXXX 6. I Do NOT have a contract with the collection company namely XXXX Since XXXX wasnt contracted by XXXX XXXX and purchased the alleged debt the fact that they provided my hospital bill is a HIPSA violation It is crystal clear that these documents do not correspond with one another which means that the collections company has not met the guidelines for validation of this debt and must REMOVE all negative derogatory items reporting on my credit file in regards to this collection Item I have attached the consent to treat provided by XXXX I have attached the hospital bill provided from XXXX Previous response to CFPB compliant number and documentation attached
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

I had disputed this company previously, I do not have the case number. I am uncertain why they would be putting inquiries on my credit and I would like an explanation and I would like for it to be removed. Inquiries effect my credit score. I was notified about this action through XXXX XXXX. Thank you
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Applied for a mortgage on a property ( no existing mortgage, no other liens ). Property was assessed at {$440000.00}. Loan amount of {$150000.00} denied because " Value or Type of Collateral not Sufficient. '' Dishonest banking practice throughout the process.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (VA)

In accordance with the fair credit reporting act 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 a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc. (CA)

I signed up for credit reporting with Experian not understanding that I would be charged a monthly {$20.00} fee for the credit report. The month after I signed up, I called my bank and disputed the charge to my credit card. They explained to me that this was a common complaint, and Experian was difficult to work with and ultimately resolve the $ XXXX/month charge. They recommended that I cancel my credit card and avoid working with Experian in the future. I did this. The following month, under my new credit card, the charge appeared again. I had not contacted Experian with my new credit card number. Therefore, Experian used my social security number to locate my personal information and charge me for a service that I did not want. I called Experian and complained that they misused my personal identifiable information and requested the resting the charge on my credit card. They refused and said the charge was legitimate. I demanded to speak to the Experian representative 's supervisor to resolve the issue and I was turned down. I am deeply disturbed, not for the monthly charge on my credit card, but because my PII was used inappropriately. I am lucky because I monitor my credit card charges closely. I 'm sure there are many Americans who are unable to keep close watch on their financial information and in a similar situation, would miss the charge in their credit card.
Consumer complaint received 2021-08-04
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. (CA)

I have repeatedly disputed these accounts with the credit reporting agencies and have notified them if this information is not removed in 14 days my attorney will be filing a formal federal lawsuit regarding this matter. 

Account in question : XXXX XXXX XXXX Last reported XX/XX/2021 {$5800.00} Open balance XXXX XXXX XXXX Original creditor
Consumer complaint received 2015-09-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

i had to use XXXX that belongs to City XXXX 
they sent me a bill with a wrong information. 
i asked them to submit it to my health insurance and double check the bill. 
instead of submitting the claim to health insurance they submitted it to collection agency. 
collection agency never contacted me and just reported the illegal debt to my XXXX account and damaged by perfect credit score. 
i contacted people from debt collection agency and informed them that there was no debt. they informed me they would check everything and get back to me. after that they disappeared.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was advised to pull my credit report after Bankruptcy. Transunion is erroneously reporting XXXX which is not my account.TransUnion reporting XXXX incorrectly affecting my credit and my XXXX son who is a US Service member.
Consumer complaint received 2023-03-31
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$55000.00} XXXX  XXXX Balance : {$20000.00}
Consumer complaint received 2023-04-14
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. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXX  XXXX XXXX Balance Owed : {$270.00}
Consumer complaint received 2019-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (FL)

I checked my credit and saw the Wells Fargo account for {$96.00}. I called Wells Fargo recovery to take care of the debt owed with a promise to delete the negative trade line from my credit report.
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (TX)

On XX/XX/2022 I transferred my phone service from XXXX XXXX XXXX and the XXXX sales representative contacted XXXX to terminate service and begin XXXX XXXX. I was paying XXXX  with autopay but started getting a final bill for service from XX/XX/2022 to XX/XX/2022 for {$110.00}. I contacted XXXX to inquire but was given the runaround so I ignored the bill then they referred to a bill collecting agency. I dont believe that {$110.00} is correct for four days of XXXX service. I found a copy of the final bill from XXXX to verify my story. I asked XXXX twice to send me a copy of the final bill with service dates but they would not provide the service dates on both of their email bills.
Consumer complaint received 2016-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (OH)

My wife and I will be submitting for the third time this year for the same problem our mortgage company has a website, that states, you 're payments will be recognized on the date submitted, and for the third time this year we have received a default notices,
Consumer complaint received 2015-05-07
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC. (CA)

We have been paying on this debt for XXXX months ( it is being automatically withdrawn via debit card ) and had no idea there was any problem with this payment. We recieved a voicemail threatening to bring XXXX police officers to our house if we did not pa y and that the state department was involved.There was not an attempt to resolve issue in a businesslike manner, just a very threatening message. 
This company also left a similar message on XXXX of our family members voice mails and said the police and state department were looking for me and gave him all kinds of false information. 
I have made contact and gave this payment over the phone.
Consumer complaint received 2023-03-31
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX  Balance : {$27000.00}
Consumer complaint received 2023-03-31
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. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XX/XX/XXXX Account Number : XXXX. XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX & XXXX Account Number XXXX. XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XX/XX/XXXXAccount 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2021-04-29
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 (MN)

I had a equity line of credit with XXXX XXXX, MN. When I refinanced in XX/XX/XXXX, the loan was satisfied. I was notified by XXXX that Shellpoint was my new servicer in early XXXX. I couldn't figure out why I was getting correspondence from Shellpoint in XXXX and XXXX, so I just disregarded any info from them. In XX/XX/XXXX I received a notice from Shellpoint that I had a 60 days late notice. I immediately contacted Shellpoint to inquire on how I received a late notice on a {$0.00} balance account. I told them that the account was satisfied in XX/XX/XXXX and there no balance on the account, so I wanted them to reverse my late notice. They told me that they didn't know that the HELOC was a {$0.00} balance and said I needed to contact the prior servicer ( TCF ) and get a release. I contacted XXXX and got a release which I then forwarded to Shellpoint. On XX/XX/XXXX statement, they still had my 60 days late, so I contacted them again. They said it could take up to 60 days for the notice to be removed. I filed a dispute with XXXX in XX/XX/XXXX ( When I went to purchase a new vehicle and my payment was higher than expected because the late notice on my report ) and the dispute came back unresolved. I filed another dispute in XX/XX/XXXX and that dispute was resolved. Thank you, XXXX! 
To this day, I have never received any correspondence from Shellpoint explaining how they could charge my account past due with a {$0.00} balance. I have included 2 documents. One is the release from XXXX and a copy of the XXXX report showing the 60 days late.
Consumer complaint received 2016-09-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I have recently submitted a compliant about Specialized Loan Servicing purchasing insurance on my behalf ( illegal in New Jersey ) when they already had copies of my insurance dec pages ( both flood and hazard ). SLS responded to CFPB with a letter stating that the insurance they had purchased was cancelled and I would not be charged. I have just received a letter from SLS ( dated XXXX/XXXX/16 ) giving me notification that my escrow account was being charged for insurance that they already reported to CFPB that was cancelled. They had no right to purchase insurance on my behalf in the first place as they already had proof of insurance on file. So which is it? Is SLS charging my escrow account for insurance or did they cancel? I was told by the CFPB rep to file another complaint as the last compliant ( case # XXXX ) was supposedly resolved and obviously is not since SLS is still trying to charge my escrow account for the insurance.
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (CA)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Experian : XXXX XXXX XXXX- XX/XX/2022, XXXX- XX/XX/2022, XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX- XX/XX/2022XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX- XX/XX/2022
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (PA)

I have the mortgage for my home with Everbank formerly Everhome mortgage. XX/XX/XXXX I noticed that Everhome Mortgage was charging me late fees ; according to them because they had received my payment after the XXXX of the month. I knew that I had mailed my mortgage payments on time. I believe they are receiving my payments on time but wait until the XXXX of each month to cash my check ; trying to justify their so called late fees. When I contacted Everhome about what I suspected, their response was that it must be a delay with the US postal service and that I still have to pay the late fees. They also said that I was mailing it to the wrong address ( the address that is printed on the monthly mortgage payment stub ) and that I should mail it to a different address, attention cash management ( this address appears on the back of my mortgage statement as an " Overnight Mail '' address. I have voice recordings of all communications between myself and Everhome/Everbank. Anytime I spoke to one of their representatives I would ask them to clearly state their name ( they will only state their first name ) and I would ask them to state their employee number. As a result of their fraudulent late fees, in XX/XX/XXXX I began sending my monthly mortgage payments via certified mail. I have all the receipts. To date on my monthly statements they have " Total Fees and Charges '' of {$1400.00}. I have never missed a monthly mortgage payment and more importantly I have never been late with a mortgage payment. 

I also have had a business mortgage with a local bank since XX/XX/XXXX. I have never missed a payment with them and have never had any of this nonsense or extortion. 

In my opinion Everhome Mortgage and Everbank are nothing but con artists and crooks. And I have the evidence to prove it.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/23 I noticed I had a withdrawal from my account in the amount of {$1000.00}. It stated it was paid to XXXX XXXX XXXX. I called and the rep was like it was a court order from the IL Courts. He provide a phone to call at XXXX. I called and it stated that the company was XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. I have an open case for them that we are to appear in front of the judge on XX/XX/23, to say whether or not they'll allow the garnishment of wages. Bank of America gave the creditor double the money that's owed. Please find the court documents attached. The order is for {$500.00}. Plus they charged me a fee of {$120.00} for paying the garnishment.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is incorrectly and illegally reporting my XXXX Bank installment account as a bankruptcy. I have never filed bankruptcy and XXXX and XXXX arent reporting a bankruptcy they are reporting it correctly. SEE ATTACHED CREDIT REPORT PAGE
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # 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 2016-09-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have filed a complaint with each of the inquiries in question with the CFPB. Their responses were dismissive and final just like yours. But yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the inquiries to be valid and being reported accurately. Failure to provide me with a copy of any alleged contract or other instrument will result in a small claims action against your company. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] By not properly investigating properly with each inquiry within the required time-frame, I have evidence of such, via certified mail receipts, you must remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. I will be relentless in having those unverifiable inquiries removed. 
Here are the inquiries in question : XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Banking XX/XX/XXXX XXXX Banking XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Finance CAP XXXX XXXX/XXXX/XXXX Banking