davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My monthly mortgage payment is {$550.00}. I have autopay setup on my personal banking and the amount which is due on the XXXX of every month is sent to my mortgage company 4-5 days prior to the due date. I received a telephone call from Shellpoint Mortgage on XX/XX/XXXX at XXXX XXXX. demanding payment for my mortgage. The caller stated that they had not received a payment for the month of XXXX. I informed the caller that I send the payments every month a few days in advance which is deducted directly from the bank account and that I've never been late on a payment. She said that she would have someone else look at the account and contact me within the next couple days. On XX/XX/XXXX at XXXXXXXX XXXX., I received a call from the same number but was unable to answer while at work. The caller did not leave a message. On XX/XX/XXXX at XXXXXXXX XXXX., I received an e-mail from Shellpoint Mortgage that there was no record of payment found. On the same day ( XX/XX/XXXX ), I contacted the mortgage company and was told that my payment was increased that I was notified in XXXX via e-mail. I do not typically receive that type of correspondence via e-mail nor did I receive such an e-mail. 

Every year, Shellpoint Mortgage sends a request for proof of insurance and every year I provided the requested document. On XX/XX/XXXX, I received a letter in the mail from Shellpoint Mortgage confirming that they received my proof of insurance. On XX/XX/XXXX, I noticed on my mortgage statement that there was an increase in my payment and a current escrow balance. On that same day ( XX/XX/XXXX ), I contacted Shellpoint Mortgage over the telephone and was who was informed that they needed additional proof of insurance. I spoke with a young lady by the name of XXXX who provided me with a Reference # XX/XX/XXXX. She said that once I emailed her the additional document, that she should request to run a new analysis payment adjustment to return the payment to the amount that I normally paid. I never heard from her. 

So on XX/XX/XXXX, when I received that telephone, it came as a surprised especially since I was still awaiting a response. 

Shellpoint Mortgage has increased my payment and marked my record as having a late payment for which they charged me {$11.00}. Additionally, they have not been applying my payments correctly. Their website shows that my payments are going towards Mortgage Principal Only which it should not be. According to Shellpoint Mortgage, they have increased my payments to {$690.00} with no explanation. 

I have filed a complaint with the customer department but would like assistance with getting this resolved.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

in XXXX of 2021 an account was set up in error with Binance.US because of a scam. I deposited accidentally money into the account, I was able to cancel two transactions i the amount of {$3000.00} however there is still a {$190.00} credit in account that I've attempted to withdraw since XX/XX/2021. I've corresponded with Binance.Us via emal -- XXXX email messages and XXXX videos sent ( with same informtion ) as per instructions. The videos for some reason can not be heard by Binance I'm tired of fooling with support. I want to withdraw my funds so that I can be finished each time I send a new video and information support tells not a good format. I'm not sending another one. Apparently there is no supervisor to override the system. 
I've proven myself over and over, we are talking about {$190.00} good grief refund my money close the stupid account and get out of my life.
Consumer complaint received 2020-02-19
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)

CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.
Consumer complaint received 2022-06-14
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. (VA)

In accordance with the Fair Credit Reporting act Bank XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Good afternoon, I had a chance to review my credit report and noticed one missed/late payment for XXXX XXXX XXXX in XXXX of XX/XX/2017. I advised the company that this missed payment is an error due to an auto-bill issue. It is stated on my credit report that the bill was late, later than 30 days which is incorrect. Every payment before and after XX/XX/2017 has been paid on time. All payments on my credit report states 100 % on time payments. XXXX also didn't provide proof of the missed payment. The missed payment on my credit report is hindering me from obtaining credit and has to be resolved as soon as possible. I have had a great experience with the company and plan to acquire a loan again in the future, just wish this was handled better. 

Warmly, XXXX XXXX
Consumer complaint received 2020-02-19
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. (FL)

I noticed these two accounts from XXXX XXXX XXXX for {$180.00} and XXXX XXXX for {$2200.00} which I believe to be fraud. I have not had these credit cards before and wondering if someone used my information to obtain them.
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

I called into my mortgage company, Carrington Home Mortgage Services on XX/XX/XXXX to make my mtg pymt. I let the csr know that I needed to break up my XXXX mtg payment into XXXX payments. That I would pay {$1200.00} that day and the remaining sum of {$1800.00} prior to it being actually late. The XXXX confirmed this with me and took my partial pymt over the phone. He confirmed and clarified this is not a problem to do so. That funds would be applied this way and accordingly to my XXXX mtg pymt. When I called back on XX/XX/XXXX, the XXXX said my {$1200.00} was not applied this way and in fact applied to other past previous late charges and that it was not applied toward my XXXX pymt and that my entire XXXX pymt was still owed. I spoke to a XXXX who said she would pull the phone call to confirm that what I said is true and now I'm waiting. This is completely bait and switch and misappropriating my funds without my consent. The XXXX  from my first called assured me breaking my pymt into XXXX pymts was not a problem, nor did he say that the funds could not be applied this way. This if misappropriating and fraudulent on Carrington Mtg 's part.
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (PA)

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine the responsible parties in these unauthorized credit inquiries. 

Based on, 15 U.S. Code A Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged Identity Theft.
Consumer complaint received 2020-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (OH)

RENTED AN APARTMENT IN XXXX OHIO WEST OF XXXX.EVERYTHING WAS FINE FOR ABOUT FOUR OR FIVE MONTHS.THEN A WOMEN WHO LIVED FIVE OR SIX UNITS DOWN FROM ME PASSED AWAY.WHEN THEY FOUND HER, THE APARTMENT WAS ROACH INFECTED.INSTEAD OF TAKING CARE OF THE PROBLEM, THE APARTMENT COMPLEX DID NOTHING.THEY LET THE ROACHES  SPREAD.EVERYONE IN THAT ROW OF UNITS HAD ROACHES INCLUDING ME.I INFORMED THE APARTMENT MANAGER ABOUT THE PROBLEM, HE DID NOTHING.I DID NOT WANT TO MOVE SO TRIED TO GET RID OF THEM MYSELF, SET OFF A COUPLE SMOKE BOMBS.THIS DID NOT WORK, SO I HAD TO MOVE, IT WAS JUST AWFUL COULD NOT LIVE THERE ANYMORE. 
NOW THEY ARE SAYING I DAMAGED THE THE APARTMENT, FROM THE SMOKE BOMBS I  GUESS.I DID NO DAMAGE TO THAT APARTMENT, I WAS A GOOD TENANT, I JUST WANTED THEM TO GET RID OF THE ROACHES.IF THEY WOULD HAVE DONE THAT I WOULD STILL BE LIVING THERE.
Consumer complaint received 2022-07-14
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. (RI)

Negative items were removed off my account. 
XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$2000.00} Credit agency XXXX removed all items after an investigation. By law XXXX has an obligation to report removal of items to the other credit agencies. This agency 's investigation was incomplete and resulted in no findings or backup to said items on my credit report. I need all items removed immediately.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called the TransUnion/XXXX after I purchased a credit report with XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complain and hoping that this XXXX XXXX XXXX XXXXXXXX Late payment XX/XX/XXXX, XX/XX/XXXX, 30 days late will be updated.
Consumer complaint received 2022-07-14
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: FIFTH THIRD FINANCIAL CORPORATION (NY)

I called the XXXX after I purchased a credit report with XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complain and hoping that this 5/3 BANK NA XXXX Late payment XX/XX/XXXX, XX/XX/XXXX, 30 days late will be updated.
Consumer complaint received 2022-06-01
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. (PA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX # XXXX was properly investigated 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. 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 2020-09-08
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. (CA)

XXXX continues to verify inaccurate information TO ALL 3 CREDIT REPORTING agencies. Violations under FCRA section 623 ( a ) ( 1 ) ( c ) states the data furnisher full responsibility under federal codes must report 100 % complete and accurate information otherwise it must be deleted. Continuing to report less than 100 % complete and accurate information to the CRA is major violation. XXXX continues to verify inaccurate information from my most recent dispute with the credit bureaus COMPLETED ON XX/XX/2020.
Consumer complaint received 2020-05-31
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. (CA)

I am a Chase Private Bank client for many years and learned that Chase was offering assistance to people and businesses that were impacted by the Covid-19 shutdown. In late-XXXX  and early-XXXX  I called Chase at least 5 separate times about my Sapphire Reserve Credit Card ( which I use primarily for business purchases ). Several of these calls I was on hold well over an hour just to speak with someone. After a lot of time and effort, I was told that my credit card payments would be deferred up to 3 months with no fees, penalties or interest. 

By the middle of XXXX ( a little over 1 month since my last call to Chase ), my finances had become clearer and I were ready to make full payment for the credit card. When I reviewed the account, what I found was completely unexpected. For the credit card, Chase had assessed more than {$1700.00} in fees, penalties and interest since XXXX. When I called customer service, I was told they had no record of me ever calling, that the fees could not be waived and all they could do was have a manager call me within 30 days -- ( 30 days! ). 

On top of the extreme challenges I've had to deal with the past few months trying to save my business, Chase Bank has only compounded my problems. It would have been better had Chase simply not offered assistance and I would have sought more trustworthy alternatives for financing and help.
Consumer complaint received 2020-05-31
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. (CA)

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that they have notified all Three Credit reporting Bureaus to remove any account listed on the attached letter. I filed a case with the CFPB dated XX/XX/XXXX and XXXX XXXX XXXX stated that they notified the all three credit bureaus a month ago. The case number for reference is # XXXX.
Consumer complaint received 2022-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NJ)

XXXX XXXX was a school i was attending to online for a month. After the one course was over they decided to update the website and would not work with my XXXX that i just purchased in order to attend school because they said that will work for all classes. Once the update was done i could not attend to any part of the classes, i could not get to any part of the class work or homework. I was unable to take exams. I reached out to them many times to state that this was happening and all they told me was to go purchase a laptop. I decided after that to withdraw from the entire program within their tie period of dropping the program so i do not owe money. They continue to charge me, even when they knew i was not attending. I have also emailed them say i should not be charged because i withdrawn within the appropriate time frame given. From there they sent everything off to collections without proper acknowledgement that that was happening. No phone call, no email, no written statement. I have been trying to get this written off my collections and gone because i have no knowledge of the collection and should not owe a school any type of money.
Consumer complaint received 2023-01-03
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. 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 Number : 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 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 2023-01-03
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. (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. 

Account Name : XXXX XXXX Account Number : 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 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 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ON XX/XX/2023 I was made aware Someone made credit accounts in my name with creditors I did not authorize. Now I will attach a police report, FTC report, my old ID with renewal paper, and a phone bill that has my current address. every other address reporting is incorrect and needs to be deleted along with every fraud account I'm reporting. Per the FCRA you have 4 days to delete these accounts. I will pursue legal litigation if needed to fix this issue of fraud. Please see attached documents with accounts and numbers that need to be deleted.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Blackhawk Network Holdings Inc. (WA)

I have a prepaid XXXX  Debit card from myprepaidcenter.com and issued by XXXX in the amount of {$75.00} which expired on XX/XX/22. I tried to use the card and was not able to due the expiration. I called the company and was told those funds are lost and can not be re-issued.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (GA)

During the Covid pandemic I was let go from my job and was unemployed for about a year, during this time I spoke with a service rep at American Express about my account, after seeing that they had posted on the website that they have a Cares act plan in place for people who are affected by the Covid pandemic, during my call I ask the rep if they could suspend the account until I was back working and freeze the payments and late fees the rep explained that this could not be done by the next payment bill I noticed late fees piled up along with dropping my credit limit which in turn maxed out my credit card causing my score to be affected and my payments to minimum increase after 120-150 days they closed they account and continue to report this account negative to the credit agencies as they continue to contact me during the dispute process I ask if they were willing to reopen my account remove the late fees and I will start paying on my balance, the rep told me this is not possible and said I have to pay my entire total including late fees which accumulated during the pandemic only to have to reapply and if Im approved start out with a credit limit of {$500.00} seeing that my credit score is and has been drastically affected by the pandemic I would be extremely unlikely to get approved again