davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

From the period of XX/XX/XXXX onwards, Shellpoint has categorically failed to respond to a series of inquiries on the status of an ongoing mortgage payment and any payments to be made thereof. Shellpoint ( " they '' ) have repeatedly stated false and misleading fee and penalty amounts for fees we did not agree to. The customer service line continually lies and gives false information to any party that calls with voiced concerns. Every time we call, it is a different story, and a different amount. We *SUPPOSEDLY* owe XXXX, then XXXX, then XXXX in " late fees and penalties '', then, when we demand an itemized list of these fees and charges, we are given no answer for weeks, only to be sent a file which we can not open or read. Managers refuse to speak to us or honor appointed calls, often ignoring us in lieu of us leaving a voicemail only to get no calls back. They have rejected at least one payment outright and have closed the online portal to pay, demanding we instead send paper checks by mail. Ultimately, they have also stated we have not paid any mortgage payments for several months in the year of XXXX, when this is totally and completely untrue, a blatant lie, fabricated. The bank records show we have issued them payment. At this point I can not tell if this is incompetence or criminal activity. We are considering legal action and hiring an attorney.
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (TX)

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 2022-09-12
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-10-23
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: Experian Information Solutions Inc. (CA)

*I have a small XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX ) * I  now have a mortgage loan with XXXX XXXX XXXX for Refinance or Payment on or about XX/XX/2019, I submitted a Refinance application to XXXX XXXX  XXXX *There were derogatory, false reportings on my credit report, *I then submitted an application to XXXX XXXX XXXX , Up until now I was told my application was approved, * Today I received an E Mail from Mr XXXX XXXX he and Credit approval chief have denied my application *The explanation is at best confusing and supportive Evidence is being withheld ( ... due to applicant, guarantor and/or Sponsor historical Information ... ) *Under Marsy 's law I am entitled to restitution, under Brady v.Maryland I am entitled to my Full And final " Historical Information ''
Consumer complaint received 2021-08-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (TX)

This past week I check my credit and found that this company : Debt Recovery Solutions , LLC - put that I owe something from XX/XX/XXXX, this is not true when I start looking for information said that was from XXXX XXXX and I look back and I paid off that account and don't owe anything.. that was in XXXX. 

I did not get any communication, no mail no calls, anything.. when I try to call nobody answers, and when I check the phone number in the credit bureau did not work.
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (FL)

My wife and I decided to open up a XXXX XXXX credit card. The main incentive and motivation to open a credit card was the rewards program that would assist us in purchasing items for our new home. On XX/XX/2018, we purchased various furniture and fixture items for our house totaling {$2900.00} before taxes and shipping fees ( see attached ). The promotion that store marketed to us was any purchased made through the XXXX XXXX weekend ending on XX/XX/2018 was eligible for double points. 

The issued occurred when the purchase of the dining room table and recliner was not charged on our credit card until after the promotional period. Their system could not recognize that the purchase was made within the promotional period and applied the points as if we had made the purchase on XX/XX/2018, the date of shipment, which is outside the promotional period. As a result, we lost out of {$170.00} worth of rewards dollars we were entitled to per the credit card and promotion agreement. 

After dealing with the store and corporate, they acknowledged that a mistake was made that should be correct but they indicated that we must go through the third-party credit card provider, XXXX XXXX, to correct the issue. The credit card company said they can not control or have insight to promotions by the store and correcting the application of rewards dollars. 

After going back and forth for two months getting nowhere, I finally requested to speak with a supervisor from XXXX XXXX. The supervisor indicated that there was no way I will ever be re-credited the misapplied rewards dollars cause no one has the power to do so. I then requested that I close my account because both XXXX XXXX and XXXX XXXX breached the terms of the promotional and credit card agreement and that I was mislead. 

The account was closed on XX/XX/2018. On XX/XX/20018,  XXXX XXXX sent a letter ( attached ) indicating that based on their investigation that they will re-issued the XXXX points that should have been applied in the first place. However, because my account was closed based on what the supervisor told me, I can no longer utilize the rewards dollar. When I asked the bank how I can use the rewards dollars, the bank just said that they will use my feedback to improve customer experience. 

The way I been treated should be taken note by anyone who plans on doing business with XXXX XXXX and their subsidiaries. I hope my issue can be resolved promptly.
Consumer complaint received 2019-10-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Midwest Recovery Systems (NM)

They called me at work several times wanting payment after being 1 day late. I repeatedly told them not to contact me at work. 

Now they have past it off to a creditor who has suddenly reported it to my credit with no Notice. I don't believe I owe them any money as they harassed me at work.
Consumer complaint received 2022-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

This medical debt was accrued as a minor. A minor can not legally enter a contractual obligation in the states where this debt was accrued, a parent or legal guardian must sign the service and payment agreement. This agency is attempting to collect a debt NOT from the original owner of the account, but of the minor involved AFTER that minor turned XXXX. The debt was accrued in XXXX of XXXX. The minor was XXXX XXXX XXXX. The collection agency opened a collection account against the ( former ) minor in XXXX of XXXX, when the ( former ) minor was XXXX XXXX XXXX. This collection agency has tried to contact the ( former ) minor multiple times before they eventually blocked all phone numbers associated with the company to stop the harassment. The alleged owner of the account never received any written information before OR after the harassing phone calls about the debt, ownership details, amount details, or that the collection was reported to the three major credit bureaus. The alleged owner had to discover this account on their credit report after being denied a line of credit from a lender. The alleged owner did not have any knowledge before the phone calls that this debt had not been paid or turned over to collections ; there has been no written correspondence to the alleged owner ; and the alleged owner does not believe they are obligated to pay the debt since it was accrued when they were under the age of majority within the state the debt was accrued.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (TX)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph XXXXs the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, TARGET/TD failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
TARGET/TD Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
TARGET/TD Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2022-09-12
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, XXXX  accounts XXXX XXXX # XXXX, XXXX XXXX # XXXX & XXXX XXXX XXXX # XXXX have 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 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Thaxton Investment Corporation (GA)

account could not to be 180 days late for XXXX through XX/XX/2019 because the account was being paid on time through garnishment. 

Account stayed 180 days late in error for consecutive months effecting my ability to retain new credit opportunities. 

Account is logged as being a secured loan when the loan was actually a unsecured debt The loan company also contacted my employer constantly causing embarrassment and constantly giving them personal information like please have him call us he is late on his loan. 

Also they contacted family members stating I was late which caused more embarrassment. 

The creditor also applied unauthorized hard inquires after using my stolen information. I never authorized these hard inquires
Consumer complaint received 2019-01-05
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: Experian Information Solutions Inc. (CA)

I was exploring Interest Rates for a purchase of a vehicle. I utilized XXXX. I was unaware that by using XXXX XXXX that I would have multiple inquiries on my report. I would not have proceeded otherwise ; as I am very conscientious about applying for credit. I started to get alerts regarding inquiry. I was able to identify XXXX XXXX as the party responsible. I contacted them to advise that I was not aware that this would generate a credit inquiry. I was advised that is was in paragraph 5 ; which is below View Free Offers however ; if you are using a mobile device ; the paragraphs do not readily display on the screen. Typically, other websites, make you scroll down or actually check a box to agree before proceeding. I have seen other complaints regarding XXXX XXXX regarding this issue and they are not being transparent to the customers on purpose so they can generate leads. I was advised that up to 5 inquires could be sent. I have a picture of how it shows on my XXXX XXXX that I can provide. I am unable to dispute inquiries on my credit report and I am not sure how this will impact my credit score. Further, I had already purchased a vehicle and I am still getting credit inquiries.
Consumer complaint received 2022-12-08
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. (WI)

these companies receive a inquiry of my report without my knowlege and also it is companies that i do not approve of inquiring of my credit score below XXXXXXXX XXXX XXXX XXXX XXXXXXXX  ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX ( XXXX and travel ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX XXXX Hotel and travel ) XX/XX/XXXX XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2023-04-08
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: CITIBANK, N.A. (NY)

On XX/XX/XXXX I have notice fraudulent Account Name CITIBANK CBNA Account XXXX XXXX Date opened XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
Consumer complaint received 2024-08-12
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. (NC)

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-27
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)

As quick as I can request a copy of the permissible permission from XX/XX/2017 and complain about Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  did not have permissible permission to access my credit report, XXXX labels as a duplicate while Experian tries to act like our government by shuffling paper. Shame on whoever is reading this for being a low paid pawn of a large company. Treat others the way you want to be treated.