davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
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. (NC)

I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2019-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MD)

I previously sent an inquiry to the credit bureaus to have debt collections removed from my file and it is still on my credit report ... ..these debts was obtain without my permission and I have filed identity theft report ... please remove from my file
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

The Credit Bureaus have a late payment on my account that is reporting incorrect. I started this investigation with them XX/XX/2021. I still keep getting the same response. I need these items on my credit report updated.
Consumer complaint received 2021-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

on the XXXX of XXXX around XXXXXXXX XXXX i stopped at the bank of america branch in XXXX, to make a total of XXXX in cash and XXXX in check. when depositing the cash value at the ATM he returned a part to me saying that the total money for a transaction had been reached and then I deposited {$300.00} in check, that's when the ATM froze and secured my card and did not issue the receipt. At that moment I called the number that was at the ATM for assistance and spoke with the assistant named XXXX. he said it was not for me to leave the front of the machine until he said. he reconnected the machine but my deposit was not registered nor returned my mwu card. the technician said he was going to report the case and that I had to ask for a new card and the machine is without access. at that same time i asked for a new card through the bank 's app and went to another XXXX XXXXXXXX agency and made the deposit with the cash reactant i had, because i had to pay the IRS. for the deposit at the XXXX branch I used the XXXX XXXX to access the ATM. I made a claim for the situation but they said that the only deposit I have was the one of XXXX 's never existed. if they checked the ATM video and saw that I was there and also the check for XXXX dollars and my debit card.
Consumer complaint received 2017-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I looked at my credit report and noticed a total of XXXX credit inquiries, i never authorized the hard inquiries and was told several time by both dealerships that there would not be a hard pull on my credit. this was on the XXXX of XXXX. i told them several times do not run my credit hard pull without my permission and they did it anyways. I also had a similar problem on the XXXX  of XXXX from XXXX XXXX XXXX where they ran my credit countless times without my permission.
Consumer complaint received 2021-08-16
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 — Was not notified of investigation status or results
Company: ERC (TN)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2019-03-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

On XX/XX/2019, I settled my payday loan debt with the XXXX XXXX via XXXX XXXX XXXX. 

Prior to XXXX XXXX receiving my account, National Credit Adjusters was responsible for settling the debt with me. Instead, they passed my account on to XXXX. 

Upon settling the debt with XXXX XXXX, they provided me the attached documentation to verify my settlement and {$0.00} balance account with them. 

On XX/XX/19, I emailed National Credit Adjusters ( NCA ) the same attached documentation and requested a paid in full/XXXX balance letter from them. They informed me that they needed documentation as well as the payment from XXXX validating my account had been paid in full. 

Since XX/XX/19, I have called NCA 's Compliance Department at XXXX at least 3x a day requesting this same letter. They are not responding back with proof of the account and I simply want a zero balance letter or it to be deleted from my credit report. 

On today, XX/XX/19, I have called their Compliance Department at XXXX still with no response.
Consumer complaint received 2023-01-11
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Account name : XXXX XXXX  # : XXXX Account name : XXXX XXXX. Account # : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

I am not liable for this debt with XXXX XXXX and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked. 

Account No : XXXX  Amount Disputed : XXXX
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (TX)

Shellpoint shared our personal information with another homeowner without our permission. As a very unhappy customer of this Servicer, the gross oversight has caused additional stress and increased our feeling of distrust for Shellpoint. In a prior complaint ( XXXX ), my loan was marked late due to our confusion in their processes and they refused to assist in the removal of the late mark on our credit stating that were unable to change it because it violated the Fair Credit Reporting Act. Well they have violated the FCRA by violating my privacy by releasing my information to another homeowner without my consent. Attached is a letter admitting to the oversight, along with 2 gift cards totaling {$300.00} in gift cards to start a XXXX  account. My husband and I do not feel safe with our personal information being shared with any one outside of our permission. This was negligent on their behalf and they need to be held responsible for their actions.
Consumer complaint received 2020-11-30
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. (NC)

I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2019-03-04
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. (FL)

In XX/XX/XXXX I took out a personal loan for XXXX. XX/XX/XXXX I played this loan in full as per what the online payment told me to pay. I have not received any correspondence with this company. I found it on my credit report when I went to purchase a home ... it even shows my last payment date but it shows I have been making monthly payments. How? I want aware, I have called. Sent emails, sent correspondence but never get a answer from the company..the company just keeps adding money in one them. I paid my loan in full on line XX/XX/2017 ... this account was paid in full including interest for XX/XX/XXXX even though first payment was not due till XX/XX/XXXX. This account needs to show closed and I cant believe a company can lie on you but never return calls, letters emails. Please look deeper there is fraud being done and sidley I'm the person being harmed.
Consumer complaint received 2023-01-11
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. (CA)

i just got my social security number on XX/XX/XXXX and i put it in XXXX XXXX and all the info that shows up is from someone else. She's been using the social for XXXX years. I can't open a checking account because the background is someone else 's information.
Consumer complaint received 2021-04-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I, XXXX XXXX XXXX entered into a consumer credit transaction with Schools First Federal Credit Union for the purpose of obtaining property on credit on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defined the finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Schools First Federal Credit Union made me purchase it separately. Schools First Federal Credit Union also failed to provide my with the proper rescission forms.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

BANKRUPTCY IS SHOWING ON MY CREDIT REPORT UNDER XXXX XXXX MY LEGAL NAME IS XXXX XXXX, I HAVE BEEN A VICTIM OF IDENTITY THEFT, THIS INFORMATION IS NOT ACCURATE AND IT VIOLATES MY RIGHTS.
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (TX)

I spoke with IQ Data Solutions to try and resolve an incorrect debt.

I have been transferred to a woman name " XXXX or XXXX '' quite a few times who has been nothing but belligerent and overwhelmingly aggressive in all our phone conversations. She mentioned that I am a liar about them yelling at my under aged child. My daughter answered my phone prior and someone yelled at her and thought she was me just because she doesnt have a child like voice. They have done this several times as my daughter sounds a lot older than she is. 

I have been called out of my name and everything under the sun but a child of XXXX. They have contacted my husbands cell phone at XXXX and XXXX XXXX  which is illegal. My husband and I are at a crossroads and trying to get this debt settled and removed from our credit reports, but this company is relentless with the belittling tactics. This company is extremely abusive, aggressive, and unprofessional. We can not continue trying to contact them and deal with them when they treat us less than human. 

I spoke with the XXXX XXXX XXXXXXXX manager, XXXX and she mentioned that there is nothing they can do because the debt was sold. She said I can try and contact Corporate, XXXX who doesn't answer my emails. There has to be another way to resolve this as I can not contact a company where employees call me derogatory names.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (DC)

I applied for and opened a Care Credit Card account in XX/XX/2018. I never received the physical card. The card was received and used by an individual unknown to known to me. The individual presented a fake drivers license to complete the transaction. I have provided Synchrony/Care Credit with the appropriate documents for months but they refuse to investigate the claim to the fullest extent otherwise they would find that the transactions were fraudulent and could not have possibly been made by me.
Consumer complaint received 2021-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

XXXX Direct Loan Subsidized Balance {$2300.00} XXXX Direct Loan Unsubsidized Balance {$6800.00} XXXX Direct Loan Subsidized Balance {$2300.00} XXXX Direct Loan Unsubsidized Balance {$6300.00} XXXX Direct Loan Subsidized Balance {$2400.00} XXXX Direct Loan Unsubsidized Balance {$4400.00} XXXX Direct Loan Unsubsidized Balance {$2500.00} XXXX Direct Loan Subsidized Balance {$1300.00} Navient is not taking full affect that i have filed a police report for identity theft due to these loan that i did not get. I don't go to school or haven't been to any college before.
Consumer complaint received 2021-04-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (GA)

On XX/XX/XXXX, my credit report was pulled for an auto loan. Upon receiving the return information, I was told that I have a repossession on my credit for a vehicle that was totaled in a accident in XX/XX/XXXX. The vehicle was never ceased or repossessed. This has been inaccurate. I. Addition, this reporting has damage my credit and history. Also, I am in a ligation for this loan lender for settlement.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (AL)

I AM WRITING THE CFPB BECAUSE I HAVE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. THE ATTACHED COMPANIES SHOULD NOT HAVE MY INFORMATION LISTED IN THEIR DATABASE AND I WANT IT DELETED NOW. I HAVE A RIGHT TO ASK A COLLECTION COMPANY TO VALIDATE A DEBT AND THESE COLLECTION COMPANIES DID NOT SEND ME ANYTHING AND GIVE ME MY RIGHT TO CHALLENGE THE DEBT. THIS DEBT DOES NOT BELONG TO ME AND I AM ASKING FOR THE CONTRACT I SIGNED WITH THEIR COMPANY THAT GIVE THEM THE RIGHT TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. UNDER THE FDCPA THEY SUPPOSE TO GIVE ME A CHANCE TO CHALLENGED THE DEBT AND THEY HAVE NOT. THEY IS IN VIOLATION OF THE FCRA BECAUSE ALL THE INFORMATION IS CORRECT. I WANT THEME TO SEND ME A CONTRACT AND NOT A BILL THAT I SIGNED WITH THIER COMPANY.
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I recently sold my home. The buyer 's loan was through Wells Fargo. On the date escrow was to close, nothing happened. I was n't notified and my realtor was n't notified that escrow was going to be delayed for two weeks. In the mean time, my husband had taken three days off of work, we hired a moving company and we spent a lot of money we did n't have to had we been notified that the close of escrow would be delayed. For the next two weeks, we were unable to pay bills and suffered a lot of stress due to the financial pressure their lack of communication put on us. When we confronted them about it, they apologized and accepted full responsibility. They then backpedaled and said they could not discuss it with us because of confidentiality ( we wanted to discuss their lack of communication ; not the reason escrow had been delayed ). Since then, it has been like talking to a brick wall. I feel that large companies like Wells Fargo should be held liable when they fail to communicate something as important as a two week delay to escrow closing. Maybe two weeks without being paid is n't a big deal to them but it was a very big deal to us.
Consumer complaint received 2018-09-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (CA)

On multiple complaints, I have requested for simple identification of the entities that had beneficial interest and to whom the funds were disbursed to from the equity on my property. The responses and answers clearly indicates that Shellpoint Mortgage Servicing is hiding critical information and committing FRAUD. Their response is as follows.. First response : " It's a Conventional loan. '' Second Response : " Please be advised, when there is a foreclosure on a property, there is no HUD information provided. That document is only provided when there is a sale or short-sale of a property. Regarding the names of the entities that funds were disbursed to, since this was after the property was foreclosed upon, you no longer had interest in the property, and Shellpoint is not required to provide that information to you. '' Third Response : " Shellpoint is not required to provide any information to you once the property was foreclosed and you are no longer responsible for the loan. No further information will be provided. '' Fourth and latest response include " This is a duplicate complaint! '' *** Level II investigation requested from CFPB!
Consumer complaint received 2022-08-12
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. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2020-10-12
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. (CO)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Consumer complaint received 2020-07-13
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report XXXX XXXX {$290.00}