davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I'm writing this because ive never been late nor missed a payment yet my credit reflects differently. I've mailed docs in XX/XX/XXXX and havent received a response from your company. I'm getting ready to seek litigation and I want to resolve this matter before I do. 



Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. Since you have found any proof, then update it to " paid as agreed, never late '' 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 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 2020-07-07
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. (TX)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX XXXX {$390.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX  XXXX {$460.00} XXXX  XXXX  XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$400.00}
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (FL)

I had a mortgage with Shellpoint mortgage. I have never been late with any of my mortgage payments. I am in the process of closing on my home next week. I have been getting the run around from Shellpoint for over 30 days. They have agreed they made a mistake with the information they shared with the credit bureaus of me being 120 days past due on XX/XX/20. My wife and I were approved for a new home and now we can't get credit approval with this latest info.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

five point XXXX  XXXX XXXX are the amounts XXXX XXXX XXXX showing collection unknown ftc violations The National Credit Union Administration ( NCUA ), along with four other federal regulatory agencies, recently released guidance about the repeal of certain credit practices rules applicable to federal credit unions, banks, and savings associations.1 The enclosed guidance clarifies that, despite the repeal, the agencies still have supervisory and enforcement authority regarding unfair or deceptive acts or practices, which may include the practices prohibited by the former credit practices rules.2 With respect to federal credit unions, this repeal will affect NCUAs regulations in Part 706 of Title 12 of the Code of Federal Regulations that generally prohibit : the use of certain provisions3 in consumer credit contracts, the misrepresentation of the nature or extent of cosigner liability, and the pyramiding of late fees.

They have not even looked at it or tried to fix it all under NCUA law
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

I have been trying to have a loan modification approved by Wells Fargo for almost two years now. I have sent in every document they have requested numerous times. As I am self-employed they have requested more and more documents and due to the inability to accept online documents, I have had to pay to have documents printed and reprinted, just so I can sign every page and then pay to have documents faxed to Wells Fargo. 
My financial situation became difficult when the economy crashed. Since I am XXXX I can not file for unemployment assistance. I had to use all our savings. Then my child became very ill and the last year was spent helping her become healthy, but the cost of the treatment, much of which was not covered due to being " out of network '' for our XXXX XXXX plan was a further strain on my finances. During all this I was trying to get Wells Fargo requested documents even though the form states that no documentation was needed. I also requested information on what to do if the house is now " under water '' as there is both a mortgage and a home equity line of credit and I believe the value of the house is now less than those XXXX loans. I have not been given any information on this. Now I am told again they need more documents but the person who can tell me what is needed has not responded to several emails and today is " in a meeting ''. When I requested immediate assistance I was transferred to a " manager '' but that went right to voice. I was told by Wells Fargo to stop making payments while this process went forward, now my house is in foreclosure. I offered to start making payments and even make a lump sum payment toward the past due balance, I was told they would not accept any payment. This is now impacting my health, my XXXX is unbelievable. I can not believe that Wells Fargo is allowed to buy up all the mortgages and then abuse homeowners in this manner. It is disgusting.
Consumer complaint received 2020-07-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Minto Financial dba Minto Money (AZ)

In XX/XX/2020, I applied for a {$500.00} payday loan with MintoMoney. I had recently begun a new job and was unable to pay for the gas to attend work for the pay period and needed to pay my utilities or face eviction from my rental home. 

I have several documented deductions from my account from MintoMoney, but received notification of only the following via email - {$130.00} on XX/XX/2020. 
{$130.00} on XX/XX/2020 {$130.00} on XX/XX/2020. 
{$130.00} on XX/XX/2020. 
{$130.00} will be processed on XX/XX/2020. 

I am unable to make these payments as I am currently XXXX  due to COVID- 19, and the lender continues to take payments twice monthly, regularly causing me overdraft fees and related financial issues pushing me further into debt.
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

I took a trip to XXXX, Florida for my birthday. I scheduled a Jet Ski tour on XX/XX/2020, to take place on XX/XX/2020 at XXXX XXXX. I arrived to the business and it was closed, not rendering services due to COVID-19. I attempted to contact the company for a refund due to the services not being rendered. I have been unsuccessful with contacting someone most likely due to the business being closed. I contacted BB  & T, my bank, for a refund. The bank denied my claim and will not provide provisional funds. The bank stated it will take 45 days for my funds to be returned, if they are returned. The bank refused to assist me in any way to recover the funds that I worked hard for and is letting the business continue to scam individuals.BB & T  provided no assistance and basically stated I can not have my funds returned to me. I spoke to a supervisor of Fraud Communication named XXXX XXXX who basically recited, " No you can not have your money in as many ways as he could. '' Please do not trust BB & T with any funds that belong to you.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

To whom this may concern, my name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS or WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following inquiries were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Dear CFPB, I hope this email finds you, though I must express my frustration and disappointment with the lack of response to my credit disputes submitted in XX/XX/2023. Despite the statutory 30-day timeframe for resolution having long passed, I have not received any correspondence addressing my concerns, and prolonged my new residency in order to dismiss any delays of receiving my mail. 

My disputes pertain to inaccurate information present on all three of my credit reports, namely from XXXX, Experian, and XXXX. Despite my attempts to seek assistance through phone calls, my complaints have not been heard, and I find myself in a distressing situation with no resolution in sight. 

In light of the continued disregard for my concerns, I have taken the step of resending the same dispute letters that were initially submitted. This persistent inaction to these credit bureaus is unacceptable and has compelled me to escalate the matter by filing a complaint through this channel. 

I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been grossly violated due to the prolonged delay in addressing my disputes. The inaccurate information on my credit reports is impacting my financial standing, and I am left with no choice but to seek resolution through this formal complaint. 

As a consequence of the fraudulent encounters I have experienced, I have taken measures to freeze some of my accounts to mitigate any potential further harm. 

I urgently request your immediate attention to this matter and a prompt resolution to the inaccuracies on my credit reports. Failure to address this complaint promptly may lead me to explore additional legal avenues to protect my rights and rectify the damage caused. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mr. Cooper Group Inc. (GA)

I made the payment for XXXX on XX/XX/XXXX and have the funds to show but it was a internet web based error on the server. The mortgage provider sent me a confirmation that the payment posted. They are now saying the mortgage payment is late and this could tarnish my credit in a major way. I wish their system would have told me something was wrong instead of saying the payment was posted.
Consumer complaint received 2024-01-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

I moved out of my apartment in XX/XX/year> in XXXX. On the way out, I took pictures, paid all my rental payments, and sent an email to the apartment manager with pictures of my payment, a clean room, and the returned key. I received a reply from him confirming that everything is good to go. 

In XX/XX/year>, six months after I moved out, a debt company reached out, asking me to pay an amount of money that I don't believe I owe. I followed the CFPB guidance to dispute and attached the email chain and payment document. However, the debt company replied, asking me to pay the money again, and I disputed it once more. I also reached out to the apartment for assistance, but they directed me to contact their corporate office. Upon contacting the corporate office, I was suggested to talk to the debt company directly because they could not do anything for it. 

Within a week, the debt collection company sent me an automated email without a reply option, asking me to pay the money and the interest. The following month, they started sending me messages asking me to pay the debt I earnestly seek assistance in resolving this matter.
Consumer complaint received 2022-08-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Credit Services Inc. (FL)

I had contacted First Credit Services several times over the past week and received no response. They provide the option to pay online but no way to actually do this. I need to know how to submit payment online because I do not have enough information given by your company to complete the payment section online. At this point, they have called me after requesting them not to so they should be paying me at this point. 

I formally requested a validation letter of my debt. As per their original document, I am requesting this before XX/XX/XXXX so you must stop collection of this debt until you provide me with the requested documents. Any attempt to contact me after my originally request on XX/XX/XXXX at XXXX EST ( to which they have already attempted to contact me through phone on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX ) is a violation to my rights under federal law. I have requested this numerous times over the past week ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ) through the email provided and the contact us section of their website and I still do not have any documents yet they continue to pester me through phone calls and voicemails. 

I requested that they DO NOT attempt to contact me through phone. They may only contact me through email or mail.
Consumer complaint received 2020-07-07
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. (TX)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX  XXXX {$390.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX  XXXX {$460.00} XXXX  XXXX  XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$400.00}
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (GA)

I have been trying to purchase a home and when I pulled my credit report I have noticed there were still Collections on my report that should have been gone. I have sent in numerous disputes and also contacted them dated XXXX/2023. These companies are reporting inaccurate information on my credit report. I have requested that they provide the factual information that I can verify to confirm the account belongs to me and show full ownership to these accounts and I have not yet received it.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

DISPUTE LETTER AGGRESSIVE CREDIT REPAIR LETTER SECTION 609 ROUND 1 The following account need to be removed immediately : Account Name : XXXX XXXX Account XXXX Reason : Please verify and validate all data for this account, every notation, dates, and balances, whether reported or not. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 an account without my written instructions. 

Name : XXXX XXXX Date of XXXX This inquiry was made without my knowledge or consent, and I would like to be provided with proof that I consented to this inquiry via FCRA section 609 and 605 as well the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed. 

Under the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the address. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I rented a car from enterprise for XXXX weeks or so, my credit card is a secured credit card that i opened with XXXX dollars which means i can only spend XXXX at once. For that reason instead of paying it monthly i have to pay the car weekly. I payed everything to enterprise in small weekly payments how ive always done but this time i got a XXXX charge from enterprise rent a car ( XXXX ). bank of america left my card overdraw. I called XXXX  to ask if they charged me twice by accident but they said everything was paid for. And they did not know why the bank was charging me that but that i have no debt with them. After that i called the bank and explained them the situation, I can not make a payment of XXXX because I only have XXXX in my card and the representative agreed with me it was very strange, they transfered me about 6 times to 6 different representatives, not any of them helped me, one of them even hanged up the phone after making me wait for 30 minutes. The last representative that i talked to told me the bank was investigating my case but its been weeks and still no answer from the bank.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX, and Experian are not holding up to the law ( 30 day demand to comply ). I sent in disputes, and they are not getting back to me with the results of my investigation.
Consumer complaint received 2015-07-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I was a customer of Wells Fargo for many years. While I was a customer they requested at every chance they got for me to choose paperless statements, so I finally gave in so they would stop asking and to help the environment. Now that I have closed my account I have no record of any activity or history as all of the statements were stored on their site. I called today to ask for a copy of XXXX statement and they told me that because I had no active account to bill the {$5.00} serve charge, I would have to mail a request with a {$5.00} money order. I wish I would have known that I would have no access to my information BEFORE I closed the account. I feel as though they are holding my statements hostage.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

Lexis Nexis is reporting a Bankruptcy to the 3 credit bureaus which is inaccurate. When I disputed the item with Lexis Nexis and asked to know the source of information, I received 3 responses. Their first response was that the Bankruptcy did not exist. The second response stated that the bankruptcy is accurate yet does not provide their source of the information. I've contacted the Clerk of Courts in Georgia 's XXXX XXXX, who state they do not have any information with my name and social attached to a bankruptcy.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

It seems that they are still reporting the same accounts that have been successfully deleted from other consumer reporting agencies ' records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX I am aware that the credit reporting system is designed to ensure consistency and accuracy across all major credit bureaus. Therefore, if an account is removed from one consumer reporting agency, it is expected that the others will follow suit, especially when reporting to the same creditor or furnisher. 

I demand Experian and XXXX to promptly remove these items that have already been successfully deleted by other credit bureaus. Ensuring uniformity in reporting is essential to maintaining the integrity of credit information. 

Thank you.