davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

We closed the escrow on the refinancing of our XXXX XXXX CA home in XX/XX/XXXX and our direct lender was XXXX XXXX. After we made first monthly mortgage payment of {$1800.00} in XX/XX/XXXX to XXXX XXXX, our home loan was quickly sold by XXXX XXXX to XXXX XXXX  XXXX which was servicing by Shellpoint mortgage servicing company. XXXX XXXX sent our first payment to Shellpoint in XX/XX/XXXX. We made the subsequent mortgage payments of {$1800.00} each to Shellpoint on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, Shellpoint either claimed we never paid them on XX/XX/XXXX or they never received the first payment transferred from XXXX XXXX. After we got XXXX XXXX service dept rep on the phone line directly with Shellpoint, Shellpoint reps continued either claimed they had not received the payment from XXXX XXXX for which they were proved to already cash the check from XXXX XXXX or they could not verify they indeed received my three direct payments. After more than 15 phone calls with XXXX XXXX department along with multiple dropped calls, a ticket was open with Shellpoint supervisor note ( initial-XXXX  ) which in the end still did not resolve the issue. In the Shellpoint system it continued showing there was one principal balance missing. We absolutely have no confidence for any future payment or interactions with Shellpoint.
Consumer complaint received 2022-05-04
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. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXXXXX/Equifax/XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX : {$1400.00}, XXXX XXXX XXXX Balance : {$29000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00}, XXXX XXXX Balance : {$550.00}
Consumer complaint received 2022-07-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

SANTANDER XX/XX/2015
Consumer complaint received 2022-05-04
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. (NJ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXXXXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$390.00} ; XXXX  XXXX Balance : {$7200.00} ; XXXX  XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$860.00}
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

This company has sent me information that has an address I've never been associated with, or have any knowledge of the address they have on file. This account is unverifiable also Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 

Name of Account Account Number Provide XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account & Wrong Information Thank You,
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

the day I turned XXXX I pulled my credit wanted to see what my credit was showing. when i logged in i saw a collection for a collection company linked to XXXX i filled a dispute and i was removed within a few days. well I got a phone call from another collection company this past week trying to collect again, we told them the account was not mine and that you just turned XXXX and your not responsible well the collection company said i was still responsible. how can i be responsible for something that was opened in my name without my knowledge and prior to me being XXXX this is tied to an address i do not live at. 

please remove this is hurting me
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-05-01
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. (GA)

n 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 an account without my written instructions
Consumer complaint received 2019-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recoveries never sent an initial notice giving me the opportunity to dispute this debut they are attempting to collect in which they allege belongs to me in the amount of {$2400.00} to XXXX XXXX. They continuously send letters demanding payment, and even stating they will send to legal department. Upon checking my credit report I found this inaccurate information and submitted a dispute. They mailed a forged letter allegedly from XXXX XXXX, in which the address listed on said letter is not my address. This company has managed to find my true and correct address with no problem when they send payment demands, and letters from their attorney, however the said validation letter states an address that isnt mine, but this is all information sent over from alleged original creditor.
Consumer complaint received 2022-09-27
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. (PA)

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 # XXXX, XXXX Bank # 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 2021-06-07
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (OH)

On XX/XX/2020 a car loan was realesed in my name and my information was also wrongfully used. I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 


VIN : XXXX Account number XXXX
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CT)

I recently paid off the entire balance of my Chase Sapphire credit card to the amount of $ XXXX in one large payment- XX/XX/2019. Have never missed a payment-never been late. The VERY next day, after the payment was received and posted,, apparently this triggered an account review, of some kind ... Chase then REDUCED my {$8500.00} credit limit by XXXX XXXX dollars to just XXXX XXXX dollars. When I called, clearly upset, I got the runaround from supervisor after supervisor, until I was told I would have to agree to a HARD INQUIRY review just to see if the reduction could be reversed. After over 45 minutes of very intrusive, sometimes inappropriate financial, employment, family and credit report questions and, worse, suppositions/- including why my credit card was maxed in the first place ( umm- unexpected disability and related medical expenses?!? - isnt that line of inquiry illegal anyway?! ) ... I was merely told Nope, sorry, too bad-theres nothing we can do ... .although, as a side note, this supervisor did fully admit that the initial account review done by computer the day before was inaccurate in some of its credit report findings after his further manual review- his name was XXXX, btw.  In the end, it didnt matter, and I got the proverbial rug pulled out from me after paying a VERYsignificant amount of money in the honorable cause of paying this credit debt off and do the right thing. Absolutely AWFUL the way I was treated, and more importantly- the whole excruciating process. Not to mention the loss of {$8000.00} of my credit card limit, along with more importantly, on my credit report utilization rate and credit score ... JUST AFTER paying the whole card off in the first place! One last note- amazing to me when the card had a high revolving balance, they had NO PROBLEM with the XXXX limit then and the 25 % APR in interest they were charging me for it every month!!!
Consumer complaint received 2021-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DocuService (NJ)

On XX/XX/2020 I went into an agreement with DocuService Loan Repayment XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 
XXXX XXXX informed that because I worked for the State of New York they could pay down my Federal student loans at a lower rate. I started paying them on XX/XX/2020 -XXXX. I made 2 more payments for that amount. Then I made 8 more payments of XXXX  each. Total of XXXX  was debited from my account by this company and never forwarded to Federal government therefore nothing was deducted from my student loan. I spoke with XXXX XXXX and XXXX XXXX. Today I spoke with XXXX XXXX # XXXX. He told me the XXXX  fees were for enrollment and then the XXXX  monthly payments were for the loan. He then hung up on me when I asked where the money was going. 
I have called and emailed this company numerous times. They either ignore my calls and emails or hang up on me.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This capital one account was opened without my consent with a balance of {$1300.00} opened XX/XX/2023 along with inquiries that where not me either from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was over drawn in XXXX and XXXX. I was making small payments to my account. I finally was able to secure a new job and was not made aware that capital one had put a permanent freeze on my account. They then accepted almost XXXX XXXX dollars in direct deposit from my employer. I called last Thursday to find out why my atm card would not work and was informed that they had frozen my account. I asked if now that I had direct deposit they could open it up. They said no. I asked if o could withdraw my money they said no. I explained that I was on a Covid crisis response nurse travel contra and needed my stipend to secure housing. They said no. They did agree to expedite my check. Fast forward ten days and 7 business days later no check. I check my bank account and see that they have accepted two more direct deposits so now they have XXXX XXXX of my dollars and not closed my account. Im living in my car and have run out of food. I have over. XXXX in their bank and they tell me oops, Ill have to wait another ten business days. This is unacceptable. Im not disputing their right to close my account. Im disputing their lie of getting me a check last week, accepting another direct deposit and because they messed up still having to wait what will now be almost twenty business days got my money. I have lost my apartment, Im about to lose my job because I dont have money to wash my uniforms, let a lone take a shower everyday while living in my car in the XXXX XXXX parking lot.
Consumer complaint received 2019-04-26
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. (FL)

Unauthorized Credit Inquiry by several companies on my Credit Reports : XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX Bank ( XX/XX/2018 ) I did not authorize anyone employed by those companies to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CA)

I closed the Genesis Indigo card right before the annual fee would have been due. The card wasn't worth paying another {$90.00} annually & the credit limit was only {$300.00}. I only had a balance of {$130.00} left to pay but the card was asking for {$40.00}. I paid {$25.00} & was going to pay the other {$15.00} before the due date. The card accepted the {$25.00} but then tacked on a late fee for {$29.00}. I opened a dispute with XXXX XXXX XXXX XXXX XXXX. I'm only paying what I owe & I'm sending in {$40.00} payments. To date I have an {$80.00} bal. I'm refusing to pay all these late fees etc. They leave a VM 2x daily & the number is blocked!! It's a digital VM & it's annoying.
Consumer complaint received 2022-05-01
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: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting Act. The XXXX bankruptcy that has been listed on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( Chapter XXXX XXXX Indiana XXXX XXXX  XXXX filed on XX/XX/2015 under XXXX XXXX XXXX ... Ref # XXXX ( XXXX, Equifax, XXXX, XXXX have all violated my rights ) 15 U.S.C. 1681 section 602A States that I have the right to privacy.

15 U.S.C. 1681 Section 604A Section2 : states a consumer reporting agency can not furnish an 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- ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

15 U.S.C. 1681b : states permissible purposes of consumer reports
Consumer complaint received 2024-10-11
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I AM A VICTIM OF ID THEFT I NEVER GAVE PERMISSION FOR ANY OF THESE ACCOUNTS
Consumer complaint received 2022-09-27
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. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The XXXX, XXXX and TransUnion If failed to identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.