davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (NY)

This is XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is fixed. 
XXXX XXXX XXXX : {$1300.00}
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act XXXX XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2022-07-20
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. (NY)

This is XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is fixed. 
XXXX XXXX XXXX : {$1300.00}
Consumer complaint received 2017-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (GA)

I traded my car in for a small truck that I would be able to use in my XXXX  XXXX as a XXXX XXXX, in XX/XX/XXXX. At the time my credit was not so good but the vehicle I traded in had an excellent pay history. Credit insufficient due to Chapter XXXX filing in XXXX. The sales price of the truck was only {$14000.00}. I paid a {$2000.00} down payment and traded my car which they gave me {$3000.00} for supposedly. Initially they called and told me to they could not get me financed and I had to bring the truck back which I did and got my car but they did not want to give me my {$2000.00} back so they said I could pick up in two days and when I did they had gotten Ally Financial to finance it in for {$360.00} rather than my initial payment of {$310.00} with XXXX XXXX as they still refused to give me my money back. I had explained to the finance manager that I would rather not make a purchase with them for my inconvenience of bringing the truck back and when I asked for my car back before they sold me the truck, told me they had already sold it which was a lie. The issue is that the interest rate ( XXXX % ) is very high and the finance manager said that was temporary. The qualification to get out of the loan was to make the next XXXX payments on time and the loan would be refinanced to a better loan. I made two attempts to do that XX/XX/XXXXand XXXX. I went to the dealer twice and it was nothing they could do. By this time they had a new fiance manager and on two occasions, I spoke directly to Ally Financial and was told that they could not refinance. I would need to go to another bank or credit union. I did have a couple of extensions on two of them I made the full payment within the extension period, but with that being said this vehicle should be paid off with this usury interest rate that I was unable to get out of, in XX/XX/XXXX. I still owe {$8600.00} which means that all the paymnets has been applied as interest and not enough on the principle. this is too much interest for anyone. I received two checks for excess interest, which was the only explanation on voucher. I just assumed from some other class action and thought they would be adjusting but they did not.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX, 2017, I mailed Experian a letter updating my personal information on my credit file. I included a copy of my driver 's license, a utility bill and my social security card to prove my identity. Experian removed the employer information and updated my phone number. Experian has refused to remove the incorrect names and addresses from my credit file stating they were connected to accounts and that I would have to contact the sources to have them removed. Experian sent my a copy my disputed results and I am not satisfied with the outcome.
Consumer complaint received 2015-08-01
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (CA)

The original bill was {$930.00} from XXXX XXXX group. I paid {$500.00} to XXXX XXXX group then paid {$100.00} then they sent me to collection and charge me {$240.00} collection agency fee. Then I paid XXXX XXXX group {$160.00} that is when I found out I was in collection and they also charge me this collection agency fee. I contacted the collection agency and submitted all my records and the still refuse to listen. I called again to try and settle and have them adjust the fee they refused
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern, I XXXX XXXX am i single mother, i have been attempting to get some resolution to my hardship for about two years now. I have done everything on my hands to save my home, wells fargo only is delaying my process by asking me for documents every time i call. I called in on late XXXX 2015 and was told to submit my package as soon as possible, so i did my package was confirm receipt on XXXX XXXX 2015.i was told that my documents were received by a team called exception team. But unfortunately they were never looked at their excuse was that because they were in the process of closing out my old workout they pretty much ignored my new package. They hand plenty of time to review at that time, i never received a courtesy call advising me of such event, i started communicating with that department more and more but i am not getting anywhere. They keep asking me for information that i have already sent them claiming that they cant postponed until i send in the information this is the third time i sent everything they seemed to not care and know my situation. They have been just wasting my time i think they want me to loose my home, they have not reviewed my current situation all they say is to allow them 72 hours today is XXXX XXXX 2015 and we do n't have 72 hours. They are not sending me any correspondence advising me of the status, i am just tired of this situation. I am getting to the point where i will be obligated to seek other resolution like litigation or bankruptcy.Wells Fargo has violated my rights as a home owner, i am requesting for them to postponed my sale date to allow them time to review my current situation since it has change they just have n't realized because of minimum since of urgency on their behalf.
Consumer complaint received 2022-07-20
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. (NJ)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint Servicing has been informed that they are publishing a Time Barred Debt that is no longer enforceable under the Applicable State laws. They are also making claims to be acting on an Investor named XXXX as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trust. That this firm : Shellpoint Servicing was informed several times over to stop publishing a Debt to the Public that is not valid not true. They are attempting to foreclose on a debt that has an expired SOL and a non enforceable and Stale Debt as well as the underlying debt/and Deed to be outside of the timelines of collections. This false claim is being published on XXXX each month and shows to publish a debt claimed as owed of XXXX XXXX. Please cease this publishing of this debt. Under CA : XXXX ; along with the underlying XXXX being expired : and under XXXX this expired at SIX YEARS. See attached Letter of Explanation. Each attempt to explain is answered in stating they somehow are not understanding what is being said. See exhibits that include the answer by Shellpoint. THE NOTE WAS ACCELERATED BY XXXX ( SEE ATTACHED ACCELERATED LETTER ) CALLING DUE THIS NOTE : AS OF XXXX/XXXX/XXXX. Then after SIX YEARS an untimely claim to a debt : then claiming XXXX Due : however this was filed inaccurately and filed after the expiration of the stale debt by recording a Notice of Default on XXXX XXXX '. This NOD was disputed at the time, however new events of abusive servicing occurred, including stepped up ramped up illegal actions. The topic of this complaint is to state this is a time barred debt as of XXXX XXXX ' AND THAT THE LATER XXXX XXXX ' FILING OF A NOTICE OF DEFAULT WAS TOO LATE TO CLAIM ENFORCEMENT RIGHTS OF AN EXPIRED DEBT. Later in a BK filed in XXXX XXXX XXXX ' it was discharged debt in the bankruptcy. However under XXXX and the marketable records act : this together with XXXX this is not enforceable under the claims being made by the parties named : Shellpoint Servicing : XXXX AS trustee for XXXX XXXX XXXX XXXX : & or XXXX having no right to publish this DEBT as being owed. This is causing to tarnish my reputation in my business, and effect my income. This is slander. Please stop all further illegal collection acts. Remove this Sale Date that was caused by this defective claimed Notice of Default and stop making false claims and release this lien.
Consumer complaint received 2016-07-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (FL)

My credit bureau report shows me being late with my primary Wells Fargo loan and a second lon as XXXX being late./ This is an error. I was late as indicated in my file for the second loan but the first mortgage loans was always on time and was not late. How do I have this changed? I 've written to the bureaus on-line but have never received a response back.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has been charging me {$24.00} since at least XX/XX/2021. I think they got my credit card number through a free credit monitoring trial that they extended after my data was involved in a data breach. I have tried to cancel the recurring charge with Transunion multiple times over the past year, but they claim to have no record of me. I've provided my name, address, email address, and social security number, and yet they still can't cancel this charge. My only solution at the moment is to dispute the charge every single month and hope that my bank continues to refund me.
Consumer complaint received 2022-07-20
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. (WI)

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, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX  XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date XXXX Reference # XXXX XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX, 2023 I agreed to use my smartphone to make a donation to someone asking for money for a cause. When I accessed my XXXX account through the Chase app and asked for their number to make a donation to, they physically took my phone and accessed my account in order to send themselves an amount that I did not authorize. When I demanded they return my phone, their demeanor became very hostile and they refused. After they claimed my app was not working and returned my phone, they fled the area and I saw they had sent themselves {$1000.00}. I immediately called Chase Fraud to file a claim. After filing two claims, they rejected it on the basis that I authorized the transaction using my touch ID. I did log in to my banking app, but my phone was forcibly taken from me and funds were stolen. The Chase Fraud department has been extremely obtuse and difficult regarding this claim and has refused to permanently refund me for the amount. They gave me a credit for the amount twice, and twice they took it back. The recipient that received the funds is not someone I have ever sent money to before, nor are they anyone I know.
Consumer complaint received 2017-08-14
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)

Equifax has deleted an item from my credit report and put it back on. They are saying that XXXX XXXX has verified the item as belonging to me. I contacted the company in which it 's XXXX XXXX credit card they have my police report. This account was opened up fraudulently. When I talked to a representative at the Bank they stated that they never verified this account with Equifax as this account is in a separate department due to it being identity theft. Also, I sent the police report to Equifax back in XXXX and they keep ignoring it. The last time they responded it was a generic and unrealistic response. Here is the supporting documentation. Also, they deleted the item off the credit report on XX/X/16 and reinserted the item on XXXX without giving me notice prior to inserting it. This caused my credit score to plunge by 100 points and disqualify me and my family for a mortgage. It 's being reported as an installment loan instead of a credit card also it 's saying I recently defaulted on this payment in the last 3 months. Please remove this item as this is not a legit item. Please find my police report and supporting documentation. Also notice that no other credit reporting agencies are reporting this item only Equifax.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (NJ)

The home mortgage has been transferred from XXXX XXXX XXXX to Shellpoint Mortgage XXXX. My loan was at a loan modification state. In last 20 days I have called several times and no one got in touch with me though on their website and representative promise that the turn around time is within 24 hours. My loan was in loan modification review statge, when it was transferred to Shellpoint mortgage. I have filed complaint with CFPB for mishandling my modification for last 9 months by XXXX XXXX XXXX and complaint number # is XXXX.
Consumer complaint received 2015-12-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I made a {$1500.00} payment in XXXX of 2015 to One Main Financial, which brought my loan balance down to {$6900.00} and should have paid my loan up for 5 months. I subsequently made a payment of {$270.00} in XXXX, which brought my balance down to {$6800.00}. I also made a {$270.00} payment in XXXX and XXXX but neither of those payments was applied to my balance. On XXXX XXXX, when I noticed the balance had not changed on my statements since XXXX, I contacted One Mail Financial. The manager, XXXX, stated that the accumulated interest is the reason my payments were not applied to my balance. 

I asked him how that could be when the {$1500.00} payment I made in XXXX should 've have covered my payments for at least 5 months. He could not give me an explanation other than saying the interest still accrued, even though my monthly payment is {$260.00}, and I paid {$1500.00} to cover my next XXXX payments.
Consumer complaint received 2024-03-12
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: LEXISNEXIS (CO)

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against LexisNexis regarding their failure to respond to my dispute. On XXXX XXXX, 2023, I mailed a dispute letter to LexisNexis to address inaccuracies in my consumer disclosure report. Specifically, I disputed inaccuracies in personal information, as well as a bankruptcy record. Despite my efforts, I have not received any results of the investigation from LexisNexis. Furthermore, I received a recent copy of my consumer disclosure report, which still reflects the inaccuracies I disputed. LexisNexis is inaccurately listing the XXXX XXXX as " XXXX, '' while PACER states " XXXX '' I am including a copy of my dispute letter sent to LexisNexis, as well as the PACER Case Summary and the section of the most recent LexisNexis report showing the public record. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies such as LexisNexis are required to respond to a consumer 's dispute within 30 days of receiving the dispute. The failure to do so is a violation of my rights under the FCRA.
Consumer complaint received 2023-04-08
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. (FL)

in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15USC 1681. 

Account name XXXX  Account number XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account numberXXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX  XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX XXXX Account number XXXX Status Closed Account name XXXX XXXX XXXX Account numberXXXX  Status Closed Account name XXXXXXXX XXXX Account number XXXX Status Closed 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instruction 15 U.SC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more then seven years.

15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-20
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. (WI)

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, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date XXXX Reference # XXXX XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX