davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to express my dissatisfaction and frustration with the handling of my request to remove fraudulent items from my account. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my efforts, the fraudulent items remain unresolved. 

It is deeply troubling to see that despite my attempts and persistence, the fraudulent items continue to negatively impact my account. These fraudulent entries not only affect my financial standing but also raise serious concerns about the security and integrity of my account. 
However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling frustrated and disillusioned. 

As a customer, I expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I am asking for your assisstance to remove these fraud items in my credit file : XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
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. (FL)

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX  / XXXX / {XXXX} XXXX XXXX Bankruptcy / XXXX/ {XXXX}
Consumer complaint received 2021-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I have a Mortgage owned by XXXX XXXX. My Servicer is ShellPoint Mortgage Servicing. My whole family contracted XXXX XXXX. I have been a very regular customer for a decade or more, until XXXX struck terror and tragedy on my family. Unfortunately, my husband died in the Hospital due to XXXX, after suffering for over 10 days. I very narrowly survived after badly suffering for 3 weeks. So also my XXXX and XXXX XXXX, who are lucky to XXXX after weeks of XXXX. I sent them the XXXX XXXX and also explained that I am mentally and physically completely drained out. I have requested the Forbearance upto XX/XX/XXXX, as per XXXX XXXX guidelines. They gave me Forbearance from XX/XX/XXXX and every 2 months, they used to harass me for extensions, instead of giving me for 6 months at a stretch. Now I am receiving harassing letters and calls saying our Forbearance period is ending with this Month and if I do not start repayment my Loan/Property will go into foreclosure. Instead of helping a widow like me, who underwent XXXX of an experience with XXXX XXXXXXXX, they are harassing me and discriminating me, as I am a helpless woman. Are they not supposed to follow the XXXX XXXX guidelines? Is there no one to regulate them and take them to task for violating the Govt. guidelines, with impunity and harassing and discriminating hapless people like me?
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credence Resource Management, LLC (AZ)

I have had a XXXX collection appear on my credit report periodically for over ten years. I dispute it, the credit reporting agencies remove it, it reappears a year later. It's back. Again. I don't know what else to do. This time the collection agency is Credence Resource Management.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX a request for Opt-out 15usc 6802-6805 was made as well as other request such as A request of Removal of student loan reporting.

For it is a violation of educational and privacy act which states school will not provide transaction history to any 3rd party Upon Family and Educational Privacy act of 1974 my legal rights were violated. 
Inquires as well was requested on XX/XX/XXXX to be removed per 15usc1681 permissible purposes Request to remove all original information except for current address XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX There is multiple addresses that is on my credit report that is a non mailable address Reporting agency was unable to provide me with where they got the address from as per Privacy Act 1974.

A charge off is reported on my credit report. A charge off is considered a Certificate of Indebtedness which means it is income and income cant be reported to credit report and must be removed. 
It is illegal to report transaction history.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Comerica (GA)

I am XXXX and bank with direct express, my XXXX deposits go on that card, in XXXX XXXX i ordered a new card because there was fraud and someone had locked me out of and hacked my online banking, when i got the new card the company helped me get my online banking back but when i got into the account online aproximately XXXX of my winnings from my XXXX case had been stolen, the company denied and knowledge responsibility or help, in XXXX XXXX for fraud again, they credited me XXXX for the fraud after an investigation, then the bank stole it back from me and wiped my card into the negative
Consumer complaint received 2021-07-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I reviewed a current copy of my credit report and show inaccurate or incomplete information listed on my credit report. I show an alleged collector XXXX XXXX XXXX Account number XXXX. I have never seen or heard to this collector and I have not received and information that has verified such debt in the amount of {$1200.00}. I this alleged account is a direct voliation for FDCPA and has not been verified and has cause due harm to my credit. Please delete this account.
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

i bought XXXX from XXXX XXXX XXXX XXXX in alabama, ship it to me in XXXX TExas. WEeks later i traded the XXXX in at XXXX XXXX XXXX, XXXX XXXX XXXX send Bank of america a check for pay off. Now Bank of america is telling me XXXX XXXX XXXX flat canceled the loan, XXXX XXXX XXXX telling me the didn't. XXXX XXXX XXXX told me they received the title earlier this week and sent it back to Bank of america, XXXX XXXX XXXX needs the title to the truck, as there holding my equity until i receive the title. im stuck since the delaer ship and bank of America isn't helping in this matter. We keep going i circles. my number is XXXX XXXX XXXX
Consumer complaint received 2021-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (OH)

This evening, XX/XX/XXXX, my vehicle was repossessed for no reason and the police were involved because I refused to let the tow driver take it as I provided proof that I was not behind on my payments and my insurance is paid and up to date. He stated Bridgecrest placed it in repossession for {$50000.00}. How can that be when the vehicle isnt worth {$50000.00}, its a XXXX XXXX and Im current on everything. Bridgecrest provided false information to the XXXX XXXX XXXX and my husband was assaulted fir attempting to get some of our stuff out of the car. Since this was a civil matter I told him the police cant make me give up something especially when Im not wrong. 

The information the tow driver provided was on a computer screen which said I owed {$50000.00} dollars for a XXXX XXXX. They seem to make a lot of mistakes. The officer, XXXX XXXX, Ohio Ohio Department, also told the tow driver everything was current and my next payment wasnt due until XX/XX/XXXX and also told him my insurance is current and paid. If a warrant is issued and theres a mistake its no good so how did the driver take my vehicle? 

This is the second time this has happened the last time was XX/XX/XXXX and it took me a week to get my vehicle back and I had to pay double what they said I owed. The took my vehicle to the auction in XXXX, Ohio after telling me my car wasnt going anywhere and it would be in XXXX, Ohio. I had to take a day off work to drive 3 hours to get my vehicle and we paid for a hotel stay because the auction lot closed at XXXX. I thought it took 90 days before they could put a vehicle up for auction. 

Now the tow company comes and my husband gets assaulted by the driver. The same driver almost smashed my hand in the back hatch because I opened it. Bridgecrest has caused me and my husband stress in the past and now its escalated to my husband being physically assaulted. 

I can be reached at XXXX. I have everything to proof there is no defaults.
Consumer complaint received 2022-08-11
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. (TX)

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Ive just spent the last 24 hours trying to freeze my credit bureau reports on line and on the telephone, and all I get are site overwhelmed messages, or put on hold and hung up. 
Understanding that I am not a customer of these bureaus, and that they dont give a XXXX XXXX about my concerns, and its not as though theyll lose my business since they never did any business with me in the first place, and they collect all my financial data without my permission and then sell it to other people, and they also make my life XXXX if I have the gall to find an error in my credit record and ask them to fix it, understanding all that, they each want me to send them money to freeze my account. XXXX? 
The personal data of 143 million consumers had been compromised, and now they want money from every one of them to freeze their accounts? This hack has been a rain maker for XXXX andTransUnion.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I recently opened a credit card through Synchrony Bank. I opted for paper statements for various reasons-one being a XXXX. I misplaced a paper statement and went online to print a new one. I was not able to. I can not even view any transactions. 
I called Synchrony Bank to request the misplaced statement and did receive it. I also stated I did not think it was legal to force me to go to electronic statements as this is Synchrony 's default. I was told by a Synchrony Bank representative that Synchrony has not violated any mandates as they did send me my requested paper statement and when I requested another one, they did provide it. 
I disagree w their reasoning & believe Synchrony IS in violation of mandated credit card practices : 1 ) Synchrony has made electronic statements their default ; 2 ) Synchrony is coercing its paper statement clients to switch to electronic statements by not allowing them to view their statements or transactions online, 3 ) Credit card recipients have a right to receive statement in a manner best for them ; 4 ) As a cardholder opting for paper statements, I am treated differently than cardholders opting for electronic statements, by not allowing me to view my statements online.. I believe this business " policy '', as they referred to this practice as, is a blatant act of discrimination.
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

We have been attempting to do a short sale. It was previously approved by the investor at a lower price. The buyer could not get financing due to visible BLACK MOLD in the property. New Buyer at same price and the bank stated that the value came in much higher due to market condition but the mold has not changed. They stated the new appraisal came in at XXXX even though it is 9 months later provided two mold reports. Contract price is XXXX and has about XXXX in HOA dues and the bank wants to net XXXX. Even at XXXX net with required closing costs per XXXX XXXX County we can not net this amount. At this price it would require a contract over XXXX which does not make any sense and does not even include the HOA recorded lien. The investor keeps stating bring a higher offer and we keep getting lower offer due to the mold. The condition has gotten worse not better
Consumer complaint received 2017-12-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hello, XXXX. I did XXXX deposit XXXX XXXX Eur XXXX into Coinbase but I did n't include the reference number and money is n't on my coinbase account. I have been chatting online with coinbase but its only comes with automatic reply. 

Kind Regards
Consumer complaint received 2019-02-26
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. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2021-07-03
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: EQUIFAX, INC. (FL)

I sent letters to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about inaccurate and unverifiable items on my credit report. It has been over 90 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matters 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 90 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 having inaccurate information on my credit report is making the pre approval process very frustrating. Please assist in this matter. It would be greatly appreciated.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

Ive just spent the last 24 hours trying to freeze my credit bureau reports on line and on the telephone, and all I get are site overwhelmed messages, or put on hold and hung up.
Understanding that I am not a customer of these bureaus, and that they dont give a XXXX XXXX about my concerns, and its not as though theyll lose my business since they never did any business with me in the first place, and they collect all my financial data without my permission and then sell it to other people, and they also make my life XXXX  if I have the gall to find an error in my credit record and ask them to fix it, understanding all that, they each want me to send them money to freeze my account. XXXX?
The personal data of 143 million consumers had been compromised, and now they want money from every one of them to freeze their accounts? This hack has been a rain maker for Experian andXXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (CA)

This is a simple complaint against the department of XXXX. I have spoken with them both personally and on a conference call with a XXXX  party. Every time I spoke with them, they claim I don't have any student loans. The last time I spoke with them on the conference call, a XXXX from the Department of XXXX stated that she can't find a single student loan with my name, address, or my social security number. When I then try to dispute the student loans with the credit bureaus, the results come back as verified. I even sent them certified mail back in XXXX of 2023 so they could remove these from my credit report and they claimed the account was verified! 

How can they be verified if the Department of XXXX claims I don't have any accounts or that I am not found on any student loans? It's been months of trying to correct this only to not receive any help in doing so from either the Department of XXXX  or the credit bureaus.
Consumer complaint received 2023-03-04
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: LEXISNEXIS (CA)

XXXX reported the data verified by lexis nexis. However, according Lexis nexis, Lexis nexis has removed the bankruptcy from my file dated XX/XX/2023. The most recent bankruptcy dispute showed that there were no change as a result of my dispute. This data was NOT verified by lexis nexis, due to the bankruptcy being deleted from Lexis nexis FILE on XX/XX/2023. XXXX is NOT investigating into this after speaking with Lexis nexis directly on XX/XX/XXXX, customer support stated during their bankruptcy dispute investigation initiated on XX/XX/XXXX, XXXX did not respond to their investigation as of XXXX XXXX XXXX XXXX completed their investigation on XX/XX/2023, results ; This item remained unchanged from our processing of your dispute in XX/XX/2023.
Consumer complaint received 2021-04-01
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX XXXX XXXX US DEPT ED-XXXX DPT EDXXXX XXXX  XXXX XXXX, I ( Original Creditor : XXXX XXXX XXXX ) -XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX**** XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX**** XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-03
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: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.