davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NC)

I fell behind in my mortgage payments. On XX/XX/2021. I applied to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX program and I was approved. They sent an electronic transfer to Shellpoint Mortgage on XXXX however the mortgage company is given me no credit for these funds and still threatening foreclosure.Furthermore any payments I make are not being applied to my account either.. I have reached out to XXXX and XXXX for assistance in this matter.
Consumer complaint received 2021-11-19
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. 
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. I have never recieved any response about the letter i sent last XX/XX/XXXX. The inaccurate information about my inquiry is still on my Credit Reports. Therefore, Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Credit Bureau as willful negligence and non-compliance with federal statutes. Here is the inquiry that still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXDate of Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
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. (MA)

In accordance with the Fear Credit Reporting act XXXX Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my tights. 


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 2021-11-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aspen National Financial, Inc. (KY)

We have been contacting XXXX XXXX at XXXX, for several months, requesting the termination of our membership. Weve owned this for over 10 years now and it has not benefited us in any way. Weve poured thousands of dollars into XXXX XXXX at XXXX because we were told that travel would be made easy and affordable, but it hasnt panned out that way whatsoever. The fees have steadily increased, but the improvement of services and quality has been very minimal. In the midst of us requesting the termination of our membership they sent our account to a collection agency, Aspen National Collections. Dealing with a collection agency is something unprecedented to us and it was very, very upsetting to receive such a notice. Weve paid XXXX XXXX at XXXX dutifully for years and their disregard for long standing members is abhorrent! We do a lot of business that involves our credit, so having it tarnished is unacceptable. We never agreed to work with a collection agency. This matter needs to be resolved directly through XXXX XXXX at XXXX. Any offer of mediation is unacceptable and we expect a prompt response from XXXX XXXX at XXXX with options to fulfill our request of termination.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC (MO)

Mariner Finance obtained my CREDIT BUREAU consumer report on XX/XX/XXXX and XX/XX/XXXX without my permission, or without a permissible purpose by law, they are in violation of the fair credit act FCRA codified at 15 U.S.C sub section : 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Mariner Finance, Furthermore, I do not have an account as defined under 15 U.S.C 1693 ( a ) ( 2 ) with Mariner Finance for review or collection.

Pursuant to 15 U.S.C sub section : 1681n ( a ) Any person knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under title 18, Imprisonment for not more than 2 years, or both. 

BY WILLFULLY VIOLATING THE FCRA, I am willing to settle the civil liability damages that I have suffered as a result of Mariner Finances violation, for {$2000.00} ( reported 2x- x {$1000.00} ) Pursuant to FCRA, sub section : 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C sub section : 1681n ]. Should they fail to refuse to settle the matter by tendering payment in the amount of {$2000.00} within ten calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00} per violation.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Acct # 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 2024-08-14
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. (NM)

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

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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-15
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. (MA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Subject : Request for Account Deletion or Update on Credit Report ACCOUNTING Dear I am writing to address an urgent matter concerning my credit report. According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be 100 % accurate and truthful. 
15 U.S. Code 1681e ( b ) : This section requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy and completeness of the information in consumer reports. It stipulates that these agencies must have procedures in place to verify the accuracy of the information they report. 
Under the Fair Credit Reporting Act ( FCRA ), the requirement for accuracy and completeness in credit reporting is outlined primarily in 15 U.S. Code 1681e ( b ). This section mandates that consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy '' in the information they include in consumer reports. 

It has come to my attention that my account with XXXX XXXX, which has been sold to XXXX XXXX XXXX XXXX, is not accurately represented on my credit report. Specifically, the account should be updated to reflect that it was sold for less, paid for less, than the full amount owed. 

I kindly request that you take the necessary steps to either : Delete the account from my credit report, as it is no longer under XXXX XXXX XXXX  purview, or Update the account status to reflect that it was sold for less paid for less than the full amount, ensuring that all information reported is accurate. 
In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed. 

A copy of this request for validation has been sent to the FTC CFPB AND XXXX national Credit Reporting Agencies to begin their 30-day ingestion. 
Please provide me with written confirmation once these changes have been made. If you need any additional information or documentation to process this request, do not hesitate to contact me at the phone number or email address provided above. 




Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (GA)

I set up an XXXX on XX/XX/XXXX in Georgia under the name of XXXX XXXX XXXX, XXXX. Owner about that date I set up a checking account and credit card account with JPMorgan Chase in XXXX XXXX. 
I had a personal account at XXXX Chase as well. I do not recall signing a personal guarantee, what would be the purpose and point of having an XXXX if you have to have a personal guarantee? 
I dissolved XXXX XXXX XXXX on XX/XX/XXXX at the XXXX XXXX XXXX XXXX. I closed my checking and credit card account on or hear that date. I had a balance on the card at that time. The balance on XX/XX/XXXX credit card of $ XXXX. The local branch ( Chase Bank located at XXXX Old Hwy XXXX, XXXX XXXX in XXXX Georgia XXXX. ) closed sometime in XXXX I believe. I contacted the XXXX to let them know I closed the account and dissolved the XXXX. They said I needed to pay or it would affect my personal account credit. I continued to pay and over the years fought at different levels, XXXX & XXXX. all to no avail. I asked for copies of what I trying to set up the accounts to prove there was a personal guarantee in it. They told me that those records were in the branch that closed and therefore they could not obtain them. I spoke with my attorney recently and he said that this was not true. 
I retired in XXXX of XXXX and simply can not continue to make the minimum payment. The current balance is {$6600.00} on the account.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (CA)

I checked my credit and seen a new debt that was reported. I immediately contacted the debt collector and they are attempting to collect a debt that is well over 7yrs old and was previously listed and removed off of my credit report. And they never properly notified me of anything
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (IL)

First Progress has cashed a check for the amount of {$100.00} that was a pay for delete agreement written clearly and largely visible on the front. The check number was XXXX dated XX/XX/XXXX. This item was never deleted and in fact it was last reported XX/XX/XXXX this account is reported on a monthly basis and should not be! This account was labeled as a charge and is consistently reporting and has had me turned down for many things due to the fact it shows recent delinquency and that is incorrect! XXXX looks to have delete this item after contacting them in regards and providing proof. However this account continues to negatively report to XXXX and XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( 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 instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (ND)

I sent a letter off on Monday XX/XX/2022. Here is my tracking # : XXXX. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have a right to privacy. Also according to 15 USC 6802. No financial institution can share my personal information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-07-18
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. (GA)

On XX/XX/2022, I notified Experian that my personal information was inaccurate, and I posted a copy here. While I appreciate the quick response, I wish they'd done as thorough an investigation as XXXX and XXXX. My understanding of this process is I notify the bureau if something doesn't look right, and they contact the company reporting it. IF they can not verify the information I've disputed, then it is to be REMOVED from my report. So why am I getting a response that I should take additional steps to call the bureau so they can tell me how to contact the company?
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Solomon and Solomon, P.C. (NY)

I contacted Solomon & Solomon as the debt collector agency and asked for the debt validation notice that must have been sent within 5 days of the first contact according to the Fair Debt Collection Practices Act, I was not provided with one and also asked for a confirmation of delivery but I was not provided with one, they did not have it, the attorney said she was going to call me back according to the secretary but never did.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-11-15
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. (FL)

XX/XX/2021 I checked my reports and found fraud on my profile that is being reported to all three bureaus. Under the FDCA, any accounts in question which is under investigation can not be furnished or reported until the original creditor rights, the correction and the entirely of the investigation is deemed fit by creditor. 

XXXX received ( 3 ) forms of identification from me in which they corrected a few things but recently sent an another verification saying they can't make right until I show identity again. 

Verification were sent out to all companies in which I have yet to hear back giving the 30 day deadline. Items still remain on peoples credits even under investigation or litigation.
Consumer complaint received 2021-09-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

I did not choose Freedom Mortgage. Rather, my VA home loan was acquired by Freedom several years ago. I refinanced, staying with Freedom, in XX/XX/XXXX. The monthly payment amount quoted in the refinance was great, so I went forward with it - saving ~ $ XXXXmonth. The company has missed paying some of my taxes every single quarter for the last year. I get delinquent notices, call, submit documentation, repeat. They held my old mortgage, it should be the same with slight adjustments each year for tax increases. 

It's now a year later and it's clear that most of the calculations used to come up with that monthly payment from the refi were incorrect. Taxes on one of the lots on the mortgage were ignored entirely in the calculation, and I guess on the other lot two numbers were flipped - using {$1300.00} per quarter where it should have been {$1800.00}. I got a letter dated XX/XX/XXXX telling me I owe {$480.00} more per month. Then, only 11 days later - XX/XX/XXXX - I got another one tacking on {$130.00} more. So a surprise 46 % increase every month for the next year due to negligence or deception. Now my monthly bill is higher than before the refinance. 

I know this is a temporary increase for the next year, but it is substantial. Also, I have low confidence in their administration of escrow accounts and no recourse if they continue to make mistakes. How was this never caught and the escrow allowed to go negative? How did none of my calls, every quarter, about unpaid taxes trigger someone to reevaluate before it got so far behind? Also, consider that I made it clear to Freedom that I was shopping around for my refinance. With that in mind I have no way to know if the numbers were misrepresented intentionally to make their refinance more lucrative next to any competitors or if it was just negligence. Regardless, it seems like the consumer is at the mercy of the mortgage company and whatever numbers they decide to put on the statement each month, and in the case of this mortgage company those numbers have been consistently incorrect for an entire year. The only thing I can do is pay whatever they say I owe or pay thousands to switch lenders, likely ending up with a higher rate and no guarantee my mortgage won't just be sold back to this company again.
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (GA)

I received a letter on XX/XX/XXXX from Waypoint Resource Group ( Acct # XXXX ) stating that i owed {$160.00} for a XXXX account. I immediately reached out to Waypoint and after dealing with a couple of rude representatives, i got in touch with a supervisor named XXXX XXXX. I explained that i had contacted XXXX and they were investigating. Prior to contacting Waypoint, I got in touch with XXXX executive offices and spoke to XXXX ( Elite Customer Experience Mgr. - XXXX Complaint # XXXX ). Ms. XXXX looked into this and came to the conclusion that this was filed in ERROR and that they ( XXXX ) had already sent notification as of XX/XX/XXXX to Waypoint to remove. In my conversation with XXXX ( Waypoint ) i agreed to contact him before XX/XX/XXXX to either pay or verify that this debt was invalid. I have called MrXXXX XXXX 8 times between XX/XX/XXXX and XX/XX/XXXX. The reps keep telling me he will call me back but as of XX/XX/XXXX no contact. This is showing negative on my credit report and they wont contact me or try to fix this, even though XXXX has told them that it was filed in error.
Consumer complaint received 2022-07-18
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. (SC)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State 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.