davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I recently received a copy of my credit report and found that the credit reporting agencies XXXX XXXX, XXXX and Equifax are legally reporting inaccurate and false information about me. The following alleged accounts are listed as collections with a past due balance this is a violation of the FCRA and is also in violation of requisite Metro 2 compliance reporting standards according to the federal reporting act I have the right to a fair and accurate credit report, They are required to remove any information that is not true, accurate, and verifiable. 

XXXX XXXX XXXX XX/XX/2018 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 *XXXX XXXX XXXX  XX/XX/2018 *XXXX XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XX/XX/2018 15 US Code 1681 B ( 2 ), 15 US Code 1681 A ( 2 ) B
Consumer complaint received 2022-06-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Mercedes Benz Financial Services (NJ)

My vehicle XXXX XXXX XXXX XXXX lease was ending towards the end of XX/XX/XXXX. I wished to purchase it from Mercedes Benz Financial services and on XXXX I made the online payment of the entire amount due of XXXX after adjusting the {$6000.00} of security deposit held with them. thats a total of XXXX towards the car, sales tax on it and a couple of charges for documentation etc. I A couple of weeks later I called in to check on the status and a customer service rep said it will take a few more days. 

Then I called in another 2 weeks or so and was told on XXXX XXXX ( after being routed through several departments that the Original Title documents had some issue and they had to apply for a duplicate. 

After 2 to 3 weeks I called to get the status and was told that the duplicate was applied for on XXXX XXXX. ( AFTER 10 further days of delay ). A supervisor ( XXXX  ) told me that he will give me an update on the status on a weekly basis. But never called me back to update. 

Today XXXX XX/XX/XXXX I called again and demanded to speak with a supervisor or a XXXX and after close to XXXX minutes of holding was told that there are no supervisors to speak and said they can only arrange for a call back. 

After paying for the total cost of my car, I am yet to see the title of the car after 10 weeks. And no update from the company whatsoever.
Consumer complaint received 2024-12-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (CA)

I was sent back my XXXX payment saying I was over 90 days past due and in default. I sent them back the check saying this was not true and sent an accounting of my payments and when they clearded the back and the dates sent. I received it back a month later saying the same thing they would not accept my payment. I went to my credit union and got copies of front and back of my payment and sent copies to them along with a very stern letter that I was not behind more than nintey days they cashed my bank checks and did not apply to my account, They then sent me XXXX certified letters giving me 90 days to pay up. et they still would not accept my monthly payments. I copied everything and sent to their attorney and they said it was a payment dispute and sent an email to everyone involved including me. I 2 months later recieved an acknowledgement that they recieved my paperwork I sent them. I still have NOT received any info and the 90 days are ticking quickly. They say they meet requirements on phone calls and I have NEVER received any calls from them. I have kept my caller ID list for the last 4 months and they have NOT called me. They have not responded to my provided info at all. I need help to keep my house. I am a widow and my husband pased away 7 years ago and left me with over a XXXX dollars in debt I have used all of my and his IRAs to stay on top of things, went back to work full time to get some help and I have paid off everything but the house and its 2nd. I was in a car accident someone blew a red light and hit me and my patient. I was out of work for 4 months and then my patient died and I have not worked since XXXX After the first of the year I hope to find another job to help with utilities and food etc., BUT NOW I have to deal with this issue. I have been in this house for 27 years and because of them ruining everything for me I can not get another loan. I am in a pickle
Consumer complaint received 2022-06-08
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. (TN)

On XX/XX/22, I asked that TN child support provide me a certified copy of their final forensic audit and complete audit trail of my child support account. I needed verification of the audit debt entry in accordance with XXXX, and also proving compliance with XXXX Matching Principles, and in accordance with XXXX, and in accordance with XXXX XXXX, and in accordance with Accord and XXXX Conventions. I requested that they show me the full double-entry bookkeeping accounting ledger, but that was not done. I advised Experian of this matter on XX/XX/22. Because TN child support could not provide the information, Experian MUST remove TN child support from my credit report. Thanks.
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (TX)

I have a negative balance in my Google pay. I do know know who is responsible for it, I have never borrowed money from Google I always pay with one of my debit card. You can check my history of payments over the years I have been playing games. I don't know who might have done this or how. I have been telling y'all this for over a year at least. I no longer make any purchases for my games because this negative balance. Please check my payments from many other times u can see I always pay with one of my debit cards. I have never been given any money r borrowed money from Google pay. Please get this straightened out. I am getting very upset about this because I have addressed this issue many times with Google. I will not pay for a balance I'm not responsible for. I will no longer play any games r make anymore purchases. I have spent XXXX of dollar in Google why would mess that up I am a daily player and have been for years. You can look at my history of payments and it always payed with one of my debt cards.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (IL)

Our loan was previously serviced by Ditech. They fraudulently assessed fees on to our account and did not apply payments to our account. We went to court about all of this and the fees were removed but the credit report was never updated. In XXXX of XXXX, Shellpoint/NewRez took over the loan. At the time they took over the loan Ditech records showed the account was XXXX months behind. So every payment they received from us, they would apply to the previous month because their records showed we were behind. The account was not XXXX months behind. They never applied our XX/XX/XXXX and XX/XX/XXXX payment to the account. We have been trying to refinance our mortgage and take cash out to remodel our 2nd floor. We have been trying since XX/XX/XXXX. Every mortgage company that says they can help us, ends up not being able to proceed because of all the late marks on my credit report. On XX/XX/XXXX, I had a conversation with a supervisor from Shellpoint/NewRez who did in fact confirm she sees all the fees assessed to the account and then months later they were removed because we took them to court. The supervisor explained to me that they were only responsible for the loan from XX/XX/XXXX through the present. She said if I submitted paperwork showing that the payments were on time they should be able to correct the late marks on their end. She sent me the full mortgage history document and I went through and compared all the payments with the mortgage history. The XX/XX/XXXX and XX/XX/XXXX payments were never applied to the account as a regular payment which is what made the account XXXX months behind. I provided Shellpoint with copies of my bank statement showing the payments were in fact deducted. I submitted an online dispute with all 3 credit bureaus and submitted the information for their review. Not to mention the credit reports are not even up to date. They only show payments through XXXX of XXXX. I need the report updated through XX/XX/XXXX so that my account can reflect XXXX  months of on time payments and I can refinance and get away from this nightmare. No one will help me. I don't know what else I can do to get this updated or to get the late marks removed from the credit report.
Consumer complaint received 2022-06-06
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 without my written instructions.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in those account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MO)

Shellpoint Mortgage Servicing purchased my loan from XXXX XXXX approximately sixteen months ago. Upon receiving the loan, it was one month behind due to XXXX XXXX not including it into the COVID Relief Forbearance I applied for in XX/XX/2020. As a result, late fees and others penalties were attached to the loan for that month. Once Shellpoint got the loan, they attached additional fees, despite me notifying them of the circumstances surrounding the missed payment. In XXXX, I became aware of a missing XXXX payment to Shellpoint, after my payment was returned to me due to them starting the Foreclosure process. I have spoken to Shellpoint several time in an attempt to rectify the matter. I currently have the missed XXXX and the XXXX payments, but they refuse to take it and apply it to the loan. Also, during the short amount of time that they have had my loan, the payment amount has increased three times, causing each monthly payment to be considered as late because they weren't paid in full for that month. Please, PLEASE help me...
Consumer complaint received 2022-08-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc. (DC)

I applied for an installment loan with this company, after completing my application I was asked for additional information and directed to the site for perform or upload that information. 

The additional information needed was a copy of a government ID such as my DL which I tried to upload. 

After several attempts I was not able to upload the requested document as their site was continuously in error and could not or would not accept the upload. So, after many attempts I was of course denied for the reason : unable to verify my identity. 

I called the company and explained that I was unable to upload the requested document and was told since I could not upload the document I was denied. 

My issue with this is that, due to no fault of my own I was denied credit with this company because they could not accept or their system failed to accept a valid DL, I take issue with this since it was not due to a low credit score of any other type of issue that would not have prevented me from being approved. 

While this may or may not be bad business practice with this company to any laws being broken with the FTC, I think they could have given a customer another way of uploading requested documents to satisfy their request. 

I think it's unfair to the consumer to be denied them simply because their system fail to responsed properly.
Consumer complaint received 2024-10-29
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. (NV)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 


I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-29
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. (VA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX :
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a compalint with you regarding XXXX XXXX XXXX ( XXXX ). 
XXXX 's response : Company 's Response In their complaint, XXXX XXXX XXXX states his credit report reflects an account with XXXX XXXX XXXX ( XXXX ), but he has never had and account with XXXX. XXXX XXXX requests the account be removed from his credit report. While XXXX is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to XXXX reporting an account to the credit bureaus under XXXX XXXX name. XXXX has no record of XXXX XXXX having an account with XXXX nor was XXXX able to verify with XXXX, XXXX or TransUnion that they are reporting a XXXX account under XXXX XXXX name. Should XXXX XXXX have a copy of the actual credit report showing the XXXX account, he may provide it to XXXX who will reopen the investigation. XXXX XXXX may submit a copy of the credit report through the CFPB portal or he can mail a copy to XXXX at : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I have attached a copy of my credit report which clearly shows the account is reporting. I have been dealing with this issue for two years and keep getting the runaround.
Consumer complaint received 2022-06-06
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: Fidelity National Information Services, Inc. (FNIS) (OH)

In accordance with the Fair Credit Reporting Act, Chexsystems ( XXXX XXXX  account # 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.
Consumer complaint received 2022-09-15
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Santander Consumer USA Holdings Inc. (WV)

They ate asking for money they say was owed on a lease thar was returned and settled with a new lease with Chrysler Capital. I do NOT owe them money on the vehicle and I have explained that numerous times. I have an XXXX credit score and I am meticulous about debts. They call me multiple times a day and they are rude and I have had to block the calls from many different numbers. Now they are calling my XXXX XXXX XXXX multiple times and I have asked them not to. It is embarrassing and harassment to be called at my XXXX  for personal debts that I don't even owe! Chrysler Capital is well known for harassing behavior of this type.
Consumer complaint received 2022-06-06
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX Account # 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 without my written instructions.
Consumer complaint received 2023-11-03
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. (NY)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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.