davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
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. (NC)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-05
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-04-21
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2020 Send a letter directly to the creditor send a letter directly to the creditor XX/XX/2020 Sent a letter to the credit bureaus I also sent a demand to comply letter
Consumer complaint received 2020-04-21
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. (OH)

I had identity theft. I sent letters in XXXX and followed in XXXX and have heard nothing, I am doing this online through the CFPB because of COVID-19 and perhaps the letters have not been processed. 

I have multiple accounts that need to be blocked from record due to investigations of indentity theft. These are XXXX  XXXX XXXX and XXXX. 

I have attached my identitytheft.gov report, my reports, and the letters I sent the CRAs
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

Re : Acct # XXXX On XX/XX/XXXX I spoke with XXXX XXXX at ShellPoint Mortage and reached agreement to make 3 months payment and then Shellpoint would bring my mortgage current making my next payment due on XX/XX/XXXX. 

I made this down payment in XXXX via several checks totaling {$2000.00} as noted below ( see copies enclosed ) : CHECK DATE CHECK AMOUNT CHECK NUMBER XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX {$510.00} XXXX I then received a letter dated XX/XX/XXXX ( see attached ) regarding a repayment plan for account # XXXX. This letter states that a down payment of {$2000.00} was due on XX/XX/XXXX. Since I made the payments as listed above I expected that this was the down payment. I wrote to ShellPoint on XX/XX/XXXX ( see attached ) asking that they confirm that the down payment has been satisfied and I can commence with the next payment on XX/XX/XXXX. But, to date I have not been able to get a straight answer or response from ShellPoint. 

So, I am submitting this request in hopes that they will respond and confirm receipt of the down payment and confirm that this payment agreement is in effect and that my next payment is due on XX/XX/XXXX. 

Additionally, I do have concerns with the monthly amounts as stated in my letter, especially escrow for insurance payments when I am not aware of ShellPoint making any insurance payments on my behalf.
Consumer complaint received 2020-04-21
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. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TCF NATIONAL BANK (MN)

TCF Bank case number :XXXX. On XX/XX/XXXX XXXX My checking account.I made a purchase on line for a money back guarantee fo XXXX  XXXX as seen on XXXX XXXX. The diet pills had a clear ad to purchase at a cost of {$29.00}. Soon after I made this purchase .l seen my checking account was charged {$80.00} + again for {$190.00}. I then talked with my bank and they said : the company was XXXX. I asked the bank to file a dispute as that amount was not authorized by me .The bank said I have to deal with that company myself .So I called that company XXXX XXXX XXXX to put a stop on this order ( next day ). They said it's already shipped. 2 weeks later I got it .I called them for a return address .I then shipped this to : returns and receiving XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CO. XXXX XXXXtheir RMA NOXXXX. Since then I've been dealing with their O.L customer support people by E mail I got confirmation from USPS that it was delivered to them on XX/XX/XXXX. Tracking number is available .Have no Idea why this bank I've been with for a long time won't file the dispute .XXXX XXXX dispute services TCF XXXX XXXX XXXX. Waiting for your reply Thanks
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello, on XX/XX/XXXX I noticed that a company named XXXX charged my account XXXX I waited until Monday when my bank opened to call. I called the Fraud department and filed a complaint. I also reached out to the company XXXX. XXXX agreed that it was a fraudulent charge and instructed me to call my bank. Capital One is refusing to help me cause they said I only had 24hrs to dispute the charge. The Fair Credit Billing Act of 1974 says I have 60 days! Capital One is refusing to abide by the law.
Consumer complaint received 2022-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
INQUIRES XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Sortis Financial, Inc. (MI)

I am contacting your organization to inform you of the outrageous and blatantly illegal loan servicing practices of ClearSpring Loan Services. They have illegally foreclosed on my home without following proper foreclosure protocol and notification as required by Michigan law. They then sent out a letter two months AFTER the sale acknowledging that my loan was delinquent ( state law requires this letter to be sent out prior to the sale ) and that they wanted to work with me towards a modification -- -even though the house was sold at auction on XX/XX/XXXX. So I know that something is up. 

Clearspring lied to me, misled me and made misrepresentations to me. My first piece of evidence is the recorded phone call from XX/XX/2016 when their representative XXXX was asked the question, " is there a sale date on this property? '' approximately 3:20 into the call. She said she would look and then responded at approximately the 4 minute mark of the phone call that there was not a sale date at the time. ( sound file of call attached ) However, the property was sold at foreclosure auction on XX/XX/XXXX. Not only did Clearspring fail to notify me, they also failed to publish the notice of sale in the newspaper as required by law for the requisite 4 weeks. Then to further illustrate the amount of fraud being perpetrated by ClearSpring a letter was received on XX/XX/XXXX ( attached ) from ClearSpring, informing me that my mortgage payment is now more than 30 days past due and offering to try and work the situation out. 

Under Michigan law this letter was supposed to be sent PRIOR to the sale. This is a futile attempt by ClearSpring to cover their tracks. Even more unbelievable is that XXXX sent a package to complete so that I can be reviewed for loan modification, even though they told me that my house was already sold and that I am only still there because of the redemption period and that I am still in the house because there is a redemption period in Michigan. This company is being sued in Michigan as part of a class action suit for violations of the FDCPA ( Fair Debt and Collection Practices Act ) because they have engaged in this same type of behavior in the past. They have XXXX agents, XXXX and XXXX who have repeatedly given us the runaround and failed to explain what is going on. They have attempted to state that the home was auctioned off because the bankruptcy was no longer active, yet for some reason ClearSpring did not follow the notification laws as required in the state of Michigan. 

I make enough money to afford a reasonable payment and was engaged with ClearSpring in the modification process when I was blindsided with the news that the property had been sold. This is obviously a mistake, or they are purposely misrepresenting the status of homes to the owners in order to conduct an illegal foreclosure. Either way, it is wrong.
Consumer complaint received 2020-04-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (LA)

On XX/XX/2020 payment of XXXX $ was submitted to Chrysler Capital as a settle in full offering and was advised that this will be deleted from my credit report since the account was considered Paid In Full.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

I purchased an investment property and it was financed with XXXX mortgage and before I could make my first payment the loan was sold to New Rez LLC. I had an escrow account set up to pay my taxes and insurance. First I got a note from New Rez that they were adding insurance to my loan because I did not have any and after numerous calls we got that issue resolved, however then I received a letter dated XXXX XXXX from Office of the XXXX County Treasurer stating my taxes were delinquent on the property purchased at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. First thing I did was contact XXXX to ensure the monies had been sent to New Rez for my impound account and the dollar amount they sent. The amount sent to New Rez was {$390.00} and I have made four mortgage payments to New Rez, each time a payment is made {$130.00} goes to my impound account for a total of {$520.00}. With the 4 payments and the transfer the total in the impound account is {$920.00}. I contacted New Rez XX/XX/2020 and shared this information. They had me fax a copy of everything to them at Loan Servicing XXXX and assured me it would be resolved in 10 days. On XX/XX/2020 it was not resolved so I again called them and faxed everything to them again and was told it would be resolved and it was not. On XX/XX/XXXX I called and spoke to XXXX XXXX and my husband emailed her everything and we were told it would be resolved so we asked to speak to a supervisor, of which NONE were available to help us. We were told one would contact us within 48 hours which of course no one did. I again called today XX/XX/XXXX, spoke to XXXX XXXX and of course was told they can not take emails, they had no record of my call with XXXX and that they would send it to a supervisor to call us and again we wait 48 hours. I am in the middle of refinancing this property as I no longer want to do business with New Rez. There is NO EXCUSE for them not paying my taxes on time of {$240.00} and now the penalty of {$9.00} and a Cost fee of {$2.00} to the XXXX County Treasurer immediately. Today XX/XX/2020 I received a letter from them saying it was in response to my inquiry on my loan # XXXX which is serviced by New Rez LLC on behalf of XXXX  XXXX XXXX, the owner of our loan and they were working to gather the requested information and they would forward it to us. Not sure I understand that, it should say they have PAID my taxes!!!!!! I have spent 8 to 10 hours of my time trying to resolve this issue with them. I want my taxes paid, they have my money and it should not be this hard.
Consumer complaint received 2016-12-24
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MO)

Counting {$270000.00} they say we still owe and the {$280000.00} balances we have paid in full We have now paid {$730000.00} of {>= $XXXX} they want us to pay for our {$270000.00} house. 
I believe Wells Fargo has stolen {$200000.00} and our duplex they foreclosed
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section XXXX ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2020-04-21
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A. (NY)

Citi customer stole {$2800.00} of XXXX cashiers checks from me and Citi is not releasing the funds. Customer name XXXX XXXX in NY.
Consumer complaint received 2020-04-21
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: FACTUAL DATA CORP. (PA)

Factual data again ran my credit for a company called XXXX  XXXX  XXXX. After they knew the company was fradulant but this time they used a different ss number.
Consumer complaint received 2020-04-21
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: DISCOVER BANK (PA)

This Complaint Against Discover Financial has run my credit without my authorization and has left Unautorized hard inquiry on my credit and this inquiry impact my credit on date DISCOVER FINANCIAL SER Inquiry date : XX/XX/XXXX DISCOVER FINANCIAL SER Bank Credit Cards Inquiry date : XX/XX/XXXX DISCOVER FINANCIAL SER Inquiry date : XX/XX/XXXX i just applied for credit card date : XX/XX/XXXX and i got approved which is accurate other above is fraud
Consumer complaint received 2021-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (HI)

On my XXXX and XXXX Credit report a Company name I C System shows up THEY ARE REPORTING A PAST DUE BALANCE OF {$420.00} I DON'T KNOW THIS COMPANY - I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY THIS COMPANY DOES NOT HAVE A WRITTEN AGREEMENT OR A SIGNED CONTRACT FROM ME!
Consumer complaint received 2016-07-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AFNI INC. (OK)

I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I returned my equipment from XXXX when I closed my account and the company send my account to collection agency.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Securus J Holdings, LLC (GA)

I am a CONSUMER and Jpay is collecting a debt that has not been verified. They are and have violated and discriminated against me. False and misleading. 15 USC 1692A and 1692E ....! 9 USC 1520
Consumer complaint received 2016-06-08
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IL)

I am receiving multiple phone calls a day from Synchrony bank. They are using a couple of different phone numbers : XXXX, XXXX, XXXX, XXXX, and XXXX. Some of these calls are coming only minutes apart, others are coming almost every hour. Here are a few examples. On XXXX/XXXX/16 I received calls at : XXXX. On XXXX I received calls at : XXXX. This morning I received two calls almost back to back at XXXX. and XXXX I have spoken to them regarding the debt and trying to work out an arrangement, but they are not very willing to work with me and my situation at the moment. I have asked them to stop the repeated calls and the calls keep coming.
Consumer complaint received 2020-04-21
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)

I have been dealing with identity theft for over 5 years. On XX/XX/XXXX a hard inquiry through XXXX  XXXX was put on my trans union report. i called XXXX  XXXX right away and they closed down the account but trans union said they will not take off the hard inquiry without proof from XXXX  XXXX. XXXX XXXX says this is trans union responsibility.. I am sick and tired of being on hold for literally 3 hours for no one to help me.
Consumer complaint received 2020-04-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

My husband and I applied for the PPP SBA loan for my business and the SBA has already done 2 hard inquiries in 2 days with Experian to me along with my husband. My credit score dropped 10 point as a result of this. I would think under the circumstances these hard inquires should be excused and not be reflected in our credit score. This will remain for 2 years. It's not enough that my business is suffering now my credit score it going to tank. 
Someone should do something about this XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX