davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

After years loan modification has damage our credit, we have been stressed out, ,and we g ot 4 time transfer our  lender, mortgage servicing from   XXXX   XXXX   to   XXXX     XXXX  and to   XXXX   XXXX   XXXX  , we paid  three months trail mo dification from  XXXX / XXXX / XXXX  through  XXXX   XXXX  with all hope and affordability modification after al l required trail mo dification to   XXXX   XXXX   XXXX   XXXX   {$34000.00} we have not received affordably modification an d sale our loan to new mortgage services,  Shell pint mortgage servicing.we believed th ey are violated the Californi a law because the collected the money after 5 years expired statue limitation, my account due dat e start  XXXX / XXXX / XXXX  than lender collect  the trail money  start  XXXX / XXXX / XXXX  than we never received an affordable modification.   Now our loan trans fer to Shell point servicing Inc. ne w mortgage servicing. we start over and submitted all new modification required by shell point mortgage servicing.   we got Denied by shell point servicing inc by using our pass income not present income.   we need loan modification affordable rate and term.
Consumer complaint received 2021-05-21
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. (MD)

On a previous complaint that was not yet responded to ( XXXX ), in the complaint itself, I had pointed out that XXXX XXXX had sent to the four credit bureaus to delete both my wife and I XXXX XXXX account from the credit bureaus reporting. So far, my XXXX XXXX account has been deleted XXXX or removed ), but not done for my wife. I had also since opened another complaint on this but thought I would resurrect the original complaint ( XXXX ) to help get this taking care of. Two out of the four credit bureaus have so far not honored XXXX XXXX 's request to also remove their account from my wife credit reporting, based on the document they sent us that would have put the original request that was dated XX/XX/XXXX I know I've opened quite a few complaints, with some of the responses seem to have been forgotten or maybe overlooked, but they are still not responded to. The need to have a response to these complaints have a lot to do with the various organizations that are assisting us to resolve the problems we've been having with inaccuracies in our credit reporting. Both my wife and I have not missed a payment on any of our debts going back to XXXX of XXXX, yet two of the credit reporting agencies have reported " few accounts paid on time '' that we are trying to get figured out for both of our accounts. So if we can get the XXXX XXXX accounts also for my wife deleted as they had requested going back to early XXXX, it will help us get a better understanding on why the credit bureau 's are reporting to others wrongful information.
Consumer complaint received 2023-04-03
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. (NY)

I have disputed several accounts on my report. The report was investigated and the accounts were verified. I requested a reinvestigation into the report and to have the agency furnish the documentation. They have failed to provide any documentation and claim they are verified. 
In accord to 15 USC 1681 i ( a ) sub. 3 e investigative consumer report Improper use I sent a dispute on XX/XX/2023 and dem, anded a investigation on every piece of info on the accounts listed below XXXX XXXX XXXX  2 accounts XXXX XXXX XXXX XXXX XXXX  as of 2 accounts XXXX  2 accounts XXXX XXXX 2 accounts ok student loan 2 accounts XXXX XXXX  According to FCRA the term investigative " consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, family members or associates of the consumer reported on or with others with whom acquainted, that may have knowledge of any information. They stated they were all verified even after demanding a reinvestigation which they have not conducted a proper investigation according to law. All information is still not reporting 100 % accurate in accord to 15 USC 1681 and everything must be accurate
Consumer complaint received 2022-02-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (GA)

Receivables performance management, begin contacting me 6 months ago. Attempting to obtain a debt owed from a XXXX leasing program that has ended in 2018. Theyve threatened to damage my credit by saying if reported it would show as a repossession. I havent been in the XXXX leasing or had any contact with XXXX since turning in the car in 2018.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just received an update on my transunion credit report. The update is now showing that " XXXX XXXX XXXX XXXX XXXX '' is reporting I did a bankruptcy and the amount was charged off to a debt I could not pay.This is completely wrong. I NEVER claimed bankruptcy and I am very upset that this wrong information is reporting on my credit report. XXXX XXXX XXXX XXXX had agreed to delete this account off my report not to report a bankruptcy that I NEVER did.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have paid off debt to XXXX XXXX. courts acct. number XXXX AND XXXX XXXX ACCT. NUMBER XXXX AND XXXX XXXX ( XXXX XXXX XXXX ) ACCT. NUMBER XXXX .THESS ACCOUNTS REMAIN ON MY CREDIT REPORT AS NEGATIVE.
Consumer complaint received 2016-03-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a complaint with CFPB and Bank of Amerca has modified their response with more information they failed to disclose at any previous time and altered the timing of their actions to better support their explanation. The Bank 's responses are factually incorrect. Further, they have ignored providing the information which speaks to actual events. This information is available but Bank of America will not address the information because it will not support their explanation. This complaint is a new complaint which states Bank Of America has changed facts, failed to provide information in support of their actions, and is dishonest in addressing complaints. This complaint speaks to the CFPB ability to protect consumers when the bank alters the information to cover up their errors. If this kind of behavior is left unchecked no consumer will be protected. This kind of action will actually create a bank more likely to abuse consumers. A bank confident that they can act in whatever fashion that suits them because no one can create any penalty or harm.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Items : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assisstance to remove these accounts in my credit file : 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 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 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am currently investigating and building a case against TransUnion for willful, negligent and reckless non compliance of the FCRA in regards to my credit file. The response or non response to this CFPB complaint from TransUnion, as well as the documents I have provided in this complaint will be forwarded to the attorneys at the law firm of XXXX XXXX XXXX XXXX. as well as my attorney XXXX XXXX of New York. I will also open a formal complaint with the FTC. 
TransUnion refuses to delete their inaccurate reporting of the account XXXX XXXX XXXX even after I have provided them with factual documented proof. They keep verifying their investigations of my dispute based on hearsay. Attached to this complaint is a copy of my last complaint with the CFPB regarding this issue as well as factual documented proof of their inaccurate reporting.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

A negative item on the credit report has not been updated, the status is currently " unknown '' although it has been previously resolved. The item is a state issued tax lien which has been paid in full and is no longer outstanding, I would like this item removed if possible.
Consumer complaint received 2016-04-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VT)

I " bought '' a refrigerator from Best Buy on XXXX/XXXX/2016. Best Buy charged my credit card immediately, but wo n't deliver the refrigerator until XXXX/XXXX/2016. 

I " bought '' a tv from Best Buy on XXXX/XXXX/2016. Best Buy charged my credit card immediately, said they would deliver it on XXXX/XXXX/2016, but now say they ca n't. 

I complained to the Best Buy store manager that they should not charge my credit card until they actually deliver the product. The manager said charging my credit card immediately was their " policy. ''
Consumer complaint received 2015-07-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

I had my previous account open with wells fargo for two years from XXXX, and they never used they had a right to close my account. The only reason why they froze my account was because they told me my account was compromised and they told me, to go into my local branch to open a new one. My rights have been extremely violated. Wells fargo has never given me a real reason for why my account was closed. I would like to point out why did n't they close my last account that was compromised because they said they had the right to. I was told to open one and to close it XXXX days later to only just say, they have a right to close it and leaving me in the dark about it saying they sent me a letter when in fact they did n't. And was going to let me be embarassed when i went to purchase something, that is not how you treat people. I do n't care how many rights a bank has that is not how you treat a person, let them be embarassed in public because their debit card gets rejected.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/2022 I applied for a Capital One/Menards Big Card via Menards website . I received a letter directing me to call the fraud department to provide more information. Upon receiving the letter I noticed that there was a mistake and my last name was duplicated on the letterhead. I called and was told that the duplicated name was the issue and I would receive a reply in two weeks. I then received a letter asking for proof of income and tax return information. I sent it to them I then followed up several times and was told I would receive a letter in two weeks. I never received any letters from this point. 

The reason I am filing this complaint is because I don't understand why I would be denied the card. At the time having just under an 800 credit score and a 100 % on time payments record. I also have other Capital One credit cards, even had an auto loan through Cap. 1 without any issues. I believe that I deserve an explanation why I can't get a card from a store that I purchase thousands of dollars a year on home improvement products from. 

Thank you for looking into this for me and my family. 

XXXX XXXX XXXX
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following credit card accounts, collection account, public record, and hard inquiries currently listed on my XXXX and Equifax credit report, are fraudulent and unauthorized accounts and credit inquiries and not my public record : XXXX XXXX XXXX  : XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX Collection Account, balance : {$5600.00}, bankruptcy discharged XXXX XXXX  discharged, U.S. Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX, XXXX, Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2017-10-08
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I am XXXX XXXX XXXX XXXX, I purchased a XXXX XXXX XXXX brand new. In XX/XX/XXXX the transmission had to be replaced. In XX/XX/XXXX the car had XXXX miles cost {$4000.00}. In XX/XX/XXXX the car again started having the same transmission XXXX MILES. 
I was told by XXXX XXXX XXXX XXXX that the transmission would have to be replaced again at a cost of {$3200.00}. The new transmission has only XXXX miles on it. I was told by XXXX XXXX XXXX XXXX XXXX told me that the warranty on the new transition was only for 12 months and if I want the car repaired I would have to pay the full price. 

After doing research the CVT transmission of the XXXX I have found that many consumers are complaining of the same issue. The car will not accelerate when you push on the gas This is a safety issue example if I were to pull out into a busy intersection I may be hit because the care fails to accelerate to the default in the transmission. 

I do not believe I should have to pay for another transmission that will fail again do to XXXX XXXX flawed design.

Has a class action lawsuit been filed against Nissan if so please add me to the suit.
Consumer complaint received 2015-06-13
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

XXXX. XXXX XXXX number : XXXXXXXXAs I was checking on my case Wells Fargo 's Response says : We have established contact with XXXX. XXXX XXXX legal representation XXXX XXXX to discuss this correspondence. We require additional time to complete our research regarding XXXX. XXXX XXXX loan concerning payment assistance. 
However, I called my attorney and he said they have never contacted him. 
So as usual they are n't doing anything. I got a letter from the VP of Wells Fargo saying they are checking in to it, but so far nothing is going on. 
Again, I had to file a new modification this month and the appraisals are going up and now they will be upping the value of my home. This is not fair and it is nothing but a run-around for homeowners who are trying to get things straight. 
They also keep sending me statements that I owe back interest of XXXX and I am in Bankruptcy court. How is that legal? Thank you for looking into this. 
XXXX XXXX
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

All XXXX Credit bureau will not investigate legal activity submitted by XXXX ... They are reporting incorrect and criminal information ... problem part of them opening accounts with out permission.. I dispute with the credit bureaus and all they will send back is XXXX said ... if they are wrong and will not admit it how can they actually fix it ... XXXX can not be trusted but for some reason they get the final say in a dispute ... and the credit bureaus will not even let me dispute further or even give me an y info be sides what XXXX submitted ... why will they not hear my side ...
Consumer complaint received 2016-07-30
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Female called, verified my name and last XXXX SSN, sd this is about pending lawsuit from Capital One XXXX XXXX for XXXX procedure that I stopped paying in XXXX. Caller ID indicated she was in South Carolina, but I now believe it was SPOOFED ID. XXXX XXXX XXXX appears to be in XXXX, XXXX She advised if I did not make some arrangements today, Cap One would proceed with lawsuit. Asked if she knew the XXXX Statute of Limitations. She did n't even know what the term meant. Educated her it is THREE YEARS and that the SOL is expired. She stated they would go ahead and file and then XXXX. The use of CID SPOOFING is also illegal in attempt to collect a debt.The CID read : XXXX, XXXX XXXX. I initiated a trace, but XXXX XXXX can not release info to me.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc. (ME)

I only found out about Credit Collection Services trying to collect payment from me because they reported to a credit bureau before ever notifying me by mail or phone. I disputed this collection with the credit reporting agency XX/XX/XXXX. I subsequently received a call from Credit Collection Services, and I told them that I needed proof of the debt in writing. On XX/XX/XXXX, they mailed me an XX/XX/XXXX XXXX statement for XXXX XXXX XXXX, XXXX IL with the amount of {$53.00} due. There is no explanation of what the charge is for at all, but my balance prior to XX/XX/XXXX is listed as - {$9.00} on the statement, and charges of {$62.00} were added XX/XX/XXXX, but there is not explanation of what these charges are for. I have not lived at that address since XX/XX/XXXX!
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have XXXX related " hard '' inquiries on my credit report from " Factual Data '' relating to a sub prime business loan with XXXX XXXX XXXX. XXXX inquiry on XXXX XXXX 2016, and the other on XXXX XXXX 2016. This loan has been paid in full. I advised this company repeatedly to not procure credit status inquiries from me using this method but to use the more customary " soft '' inquiry method thus not impacting my credit score. They ignored my repeated requests, However a XXXX inquiry on or about XXXX 2016 was removed as a result of a complaint I made to CFPB.
Consumer complaint received 2015-10-31
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

XX/XX/2013, I visited a California Check Cashing location in XXXX XXXX, CA. I took out a {$250.00} loan and paid {$45.00} in fees. Every two weeks I visited the store and paid off the loan. I would repeat the loan every two weeks because I kept falling behind with my other expenses. Paying the loan back would make me repeat right away to get back on track. I did not give the lender access to my bank account. Instead I would go in every two weeks to pay and repeat the loan. 

XX/XX/2013, I did not have enough money to continue repeating this loan. I fell at work and did not have a steady income. I was not able to pay back the last loan I took out because the lack of income made it difficult to pay for my basic expenses. Let alone paying back the loan. My family and basic expenses came first. After I stopped visiting the store and making the payments, California Check Cashing called my home to let me know that I had a pending debt. 

Even though I wanted to pay my debt and prevent any damage to my credit, I simply did not have the money to do so. I owed {$300.00} and a few months after I did not return, I received a letter. This time it was not California Check Cashing, bit rather a collection agency that was asking me to pay back what I owed. They gave me options to pay back that loan along with another one from a separate lender I had also borrowed from. 

The week I received that letter I was expecting to work some extra hours at my new job. I thought I would make enough during those extra hours to pay off the loans. However, everything changed last minute and I was not given the extra hours. I do want to pay off the loan, but need them to work with me and give me a payment plan that I can actually afford.