davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (MI)

XX/XX/XXXX XXXX XXXX from NCB management Services XXXX repeatedly calls my business and is harassing my staff asking my personal information my birth date and social security number and giving employees information on the debt. He told my employee that he was calling from XXXX  and spoke to her rudely and keeps calling. 

XX/XX/XXXX XXXX XXXX called again harassing my staff today he said he was from Another company and when my employee said your the same guy that called yesterday He lied and said it wasnt him. Never disclosed that he was a debt collector. 
He is nasty and rude to my staff.
Consumer complaint received 2017-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

ONGOING 2 YEARS LATEST XX/XX/2017. THEY TELL ME I AM NOT MAKING THE APLICATION. MISSING INFORMATION. 

I believe the problem arises from the Street address. My location two distincly different addresses. The Post office shows the corect address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX verified. If I look up the closest mailbox it shows XXXX XXXX. XXXX XXXX and XXXX automatically change it to XXXX XXXX XXXX.The Post Office, XXXX, XXXX are all aware of the problem but overlook it in an effort not to inconvenience their customer. XXXX and XXXX display XXXX XXXX [ CORRECT ] XXXX Verify approves both, but there is no such road as XXXX XXXX XXXX. All Federal Agencies use XXXX XXXX. No One is willing to make the corrections in their databases. XXXX Blames XXXX and XXXX  does not give a XXXX. This results in the appearnce that there is two of me. .. 
Start with a company name and address to find its ZIP Code. However, this tool cant confirm whether the company is actually located at that address. 
* indicates that Company , Street Address, and either City/State or ZIP Code are required fields Enter only English in all fields *Company XXXX XXXX *Street Address XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX *City XXXX *State. 
IN - Indiana *ZIP Code XXXX You entered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Here 's the full address, using standard abbreviations and formatting. However, we ca n't verify that this is the actual location of the business. Double-check the address before mailing here ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXXXXXX, +XXXX, XXXX XXXX +XXXX, XXXXXXXXXXXX, XXXX! XXXX! XXXX! XXXX XXXX XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX
Consumer complaint received 2021-07-11
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. (GA)

I have reached out numerous times pertaining to my issue dealing with reporting inaccurate information on my credit report. I am now going to provide you with the list of violations you have committed against me as the " CONSUMER '' and the " ORIGINAL CREDITOR ''. Far too long I have allowed you to violate me due to my lack of knowledge.

For starters you are in direct violation of FCRA 15 USC 1681e ( b ) my reports are supposed to be 100 % accurate not 99 %!

Now we can now address 15 USC 1681 b ( a ) ( 2 ) which states that I have to give you written permission to furnish anything on " MY CREDIT REPORT '' in which I have not.

You are also in violation of 15 USC 1681i. I have attached your response below when I asked you to investigate, you said you were not required to reinvestigate this item in which that is false. If you did reinvestigate this information you would see that the payment status is incorrect across several accounts ( images attached below ).

Now if all of those violations are not enough for grounds of removal look very close and pay attention as I will now go into depth with you so follow close and learn!!!!

FCRA 1681a ( 2 ) ( b ) under the exclusions section states that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : if you look at the definition of a credit card under 15 USC 1602 it states that it is " ANY card, PLATE, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, SERVICES, on credit ''. If you don't remove these accounts you are civilly liable for reporting these inaccurate accounts. I will be sending this to you as well via priority mail. I look forward to your response. Lol
Consumer complaint received 2021-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

XX/XX/XXXX a debt validation letter was sent to LVNV XX/XX/XXXX letter was received by LVNV via Certified Mail NO RESPONSE XX/XX/XXXX a second debt validation letter was sent to LVNV XX/XX/XXXX letter was received by LVNV via Certified Mail NO RESPONSE
Consumer complaint received 2022-10-05
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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX - XXXX Date Opened : XXXX Balance Owed : {$380.00} Dispute Status :. I am uncertain when it comes to the Balance of {$380.00}, because I dont recall owing such a high amount. Since the account is closed and charged off, the past due amount shouldnt be reported
Consumer complaint received 2017-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

This relates to CFPB claim XXXX against Peoples United Bank XXXX XXXX XXXX. CFPB closed claim XXXX prematurely while a response from XXXX was still pending and the matter not resolved. I received a request from XXXX on XXXX/XXXX/XXXX for more information. I have faxed XXXX the additional information which is attached to this CFPB.
Consumer complaint received 2019-05-19
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: EQUIFAX, INC. (AZ)

The following accounts that currently listed on my Equifax credit report was previously deleted by Equifax, but keep reappearing on my credit report : MN XXXX XXXX XXXX account number in # XXXX and the XXXX  XXXX XXXX, the accounts are fraudulent, unauthorized and not mine. I have attached documentation for proof the accounts dont belong to me.
Consumer complaint received 2019-05-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (WA)

On XX/XX/2018 in the amount of {$420.00} my auto loan payment was due. I called the Auto loan company and they agreed that I could pay past the 30 days and as long as it was paid before 45 days it wouldnt be reported as a late payment. I tried to reach the creditor and credit bureaus but no resolution was met. It still reflects on my credit score as 30 days late.
Consumer complaint received 2017-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX I made my weekly deposit from my XXXX account into my BofA account. The amount was {$1700.00} check XXXX. The check cleared XXXX the same day. I was advised on XXXX by email from BofA that my account had an insufficient balance and was accessed numerous NSF fees for my scheduled bill pay that was not processed due to a hold being placed on the check that already cleared the bank it was drawn on. I called the bank and no one can tell me why a hold was issued and they will not refund {$280.00} in NSF fees, as they stated it is not a bank error. I have made the following deposits from the same account on a Monday to cover my scheduled bill pays and a hold was not placed. 
XXXX {$1800.00}, XXXX {$1200.00} # XXXX, XXXX {$1600.00} # XXXX, XXXX {$1600.00}, XXXX {$1000.00} # XXXX, XXXX {$200.00} # XXXX. 
The following large deposits were made from the same XXXX account, not on a monday, but nonetheless, no stop payment was placed on those funds either. 
XXXX {$1400.00} # XXXX friday XXXX {$1200.00} # XXXX sunday, XXXX {$900.00} # XXXX thursday XXXX {$1800.00} # XXXX friday XXXX {$1000.00} # XXXX tuesday You can see by the check numbers, I checks from this XXXX account are consistently being deposited into BofA and do not have a history of being insufficient. 
BofA does not have a right to charge me these bogus fees. XXXX is enough.
Consumer complaint received 2021-07-11
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: Experian Information Solutions Inc. (GA)

I have mailed in a complaint letter on XX/XX/2021 for inaccuracy on two collection accounts that are not mine. These accounts are unauthorized by me and I have not received any responses back from. This is very frustrating I have not been able to close on a house due to these false remarks on my credit report.
Consumer complaint received 2017-10-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

Previously I disputed false advertisement and false assumptions with the BBB on XXXX XXXX XXXX. They persist that I applied for a personal loan on XXXX XXXX, XXXX, which I did not. References to the first dispute is below in the inbox. XXXX XXXX Bank was notified by XXXX that I was affected by the security breach, XXXX ( XXXX XXXX, XXXX ). This when they said I applied for the credit, as you see in the information I supplied, I did not apply for credit initially. Now I believe that this could be the result of the security breach. The advertisement stated that checking to see if I qualify for a loan, it would not affect my credit, but I received a hard inquiry. The online advertisement is below in the drop box. The application they provided is totally incorrect as highlighted.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There were 13 soft inquiries from XXXX in various names, including XXXX XXXX on XX/XX/21, but never a hard inquiry that I could see while checking my credit report through XXXX XXXX. There was never an account on my credit report from XXXX XXXX. I did not set up this account, XXXX XXXX has never contacted me and I have never contacted them. If you review my credit report, you'll clearly see that I pay my debts on time, each any every month. This collection just appeared from no where. I went to Transunion to dispute this, but they simply said that the dispute was closed and they did not remove this clearly fraudulent activity. ( What bank would set up an account, but not report it to the credit authorities? Who would run 13 separate soft inquiries on one day under various versions of the name XXXX, but not do a hard inquiry when creating the loan? This was done so I would not be able to see this fraudulent activity. ) Transunion has a duty to ensure that the credit information they provide is accurate. They have clearly failed to do so in this case.
Consumer complaint received 2017-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

ONGOING 2 YEARS LATEST XX/XX/2017. THEY TELL ME I AM NOT MAKING THE APLICATION. MISSING INFORMATION. 

I believe the problem arises from the Street address. My location two distincly different addresses. The Post office shows the corect address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX verified. If I look up the closest mailbox it shows XXXX XXXX. XXXX XXXX and Experian automatically change it to XXXX XXXX XXXXThe Post Office, XXXX, XXXX are all aware of the problem but overlook it in an effort not to inconvenience their customer. XXXX and XXXX display XXXX XXXX [ CORRECT ] Experian Verify approves both, but there is no such road as XXXX XXXX XXXX. All Federal Agencies use XXXX XXXX. No One is willing to make the corrections in their databases. XXXX Blames Experian and Experian does not give a XXXX. This results in the appearnce that there is two of me. .. 
Start with a company name and address to find its ZIP Code. However, this tool cant confirm whether the company is actually located at that address. 
XXXX indicates that Company , Street Address, and either City/State or ZIP Code are required fields Enter only English in all fields *Company XXXX XXXX *Street Address XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX *City XXXX *State. 
IN - Indiana *ZIP Code XXXX You entered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Here 's the full address, using standard abbreviations and formatting. However, we ca n't verify that this is the actual location of the business. Double-check the address before mailing here ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN 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 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to file a formal complaint against TransUnion, XXXX XXXX XXXX regarding the inaccurate information on my credit report. Despite multiple attempts to address and rectify the inaccuracies, no action has been taken by the credit bureau ( s ) in question.

The disputed items on my credit report include the following : TransUnion : 1. The inquiry was not authorized. 
XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

2. The inquiry was not authorized. 
XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

3. The inquiry was not authorized. 
XXXX OF XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

4. Please verify account. 
XXXX XXXX  Date of inquiry : XX/XX/year> XXXX : XXXX. The inquiry was not authorized. 
XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX : XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
I have made XXXX attempts to request the credit bureau ( s ) to delete the inaccurate information through written disputes, providing supporting documentation to substantiate my claims. However, despite my efforts, there has been no resolution or corrective action taken by the credit bureau ( s ) to rectify these inaccuracies.

I am seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that the credit bureau ( s ) comply with the Fair Credit Reporting Act ( FCRA ). I request that the inaccurate information be promptly removed from my credit report to restore the accuracy and integrity of my credit history.

Attached with this complaint are copies of the relevant documentation, including my written disputes, supporting evidence, and any responses received from the credit bureau ( s ).

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting.
Consumer complaint received 2022-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (ME)

I am writing to dispute a late payment classification resulting from a failure in communication on the part of my prior loan servicer, NewRez | Shellpoint. My loan number with NewRez | Shellpoint was XXXX

On XXXX XXXX XXXX I was abruptly dismissed from my job. In the two weeks that followed, I contacted NewRez to see if there was any accommodation that could be made for my involuntary unemployment. At that time, I was told over the phone that I would be put in a forbearance program effective XX/XX/2021 for a period of three months. There would be no impact to my credit. If I needed further extension, it would be discussed at the end of the three-month period. At this same time, I was assigned a single point of contact ( SPOC ) whose name is XXXX XXXX. 
During this initial phone call, I inquired about any necessary paperwork and was told in no uncertain terms that there was nothing further they needed from me at that time. I subsequently received a letter in the mail from NewRez confirming the designation of my SPOC with contact information and indicating a review of my loan would be conducted ( see attached ).

I never received any communication from my SPOC or any representative from NewRez regarding forbearance or payments. Meanwhile, in early XXXX I received a letter indicating that my loan was transferred to XXXX XXXX XXXXXXXX ( see attached ). 
In early XXXX, I received a phone call from a representative from XXXX XXXX. The representative told me I missed the XXXX payment. When I explained that I was in a forbearance program, I was told there was no record of it. Subsequently, a late payment was recorded on my credit history.
Consumer complaint received 2017-10-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has sent a refusal to investigate my credit file claiming a Suspicious Request, no less than 3 times, which could be no more than a typo. XXXX and XXXX  have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one Additionally, Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$130.00} XXXX XXXX XXXX/XXXX/XXXX {$980.00} XXXX XXXX XXXX/XXXX/XXXX {$940.00} INQUIRIES XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BKPT CHXXXX
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (LA)

There are XXXX credit card accounts that were compromised and stolen. The account was used to make fraudulent charges and fraudulent payments were used to pay the charges. I have reported this to the creditor with no resolution.