davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (CA)

These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. Also having a hard time getting the bureaus to process my disputes.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NY)

I was in AXXXX due to XXXX XXXX in the Summer of XXXX. XXXX and XXXX to be exact and I have an Apple Card. During my stay in the hospital I had a XXXX dollar balance on my credit card. Apple charged me a service fee for XXXX dollars while I was in the hospital. Because I was in AXXXX there was a payment missed for their service charge. When I woke up and was released I was mortified. I have always paid my bills on time. I called Apple to tell them what happened. They refused to help me and have no damaged my credit so badly I can't qualify for a house at an affordable rate. They will not let me speak to a manager. I wrote to them and submitted all my hospital stays. They still refused to help me. They also verified the late with the bureaus. please help. I'm a XXXX year old man.
Consumer complaint received 2021-09-29
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LoanCare, LLC (UT)

This happen back in XXXX of XXXX when my Boyfriend got sick with XXXX. So he was having problems working full time. So I called LoanCare if I could get help with the mortgage and said yeah! We have this plan if you qualify it's a forbearance plan. Yes we did qualify for 160 day 's. Then we where still not doing well on hours from work cause of the covid. So I extended for another 160 day 's. Then we started making payments as of XX/XX/XXXX So I pulled my credit on the XX/XX/XXXX and it was showing I had late payments as of showing XX/XX/XXXX - XXXX XXXX being late and I'm like how if I was on the plan. So I called XXXX spoke this Lady, and she said oh! Sorry I will tell them to email you a letter stating those dates for being late. Cause of the forbearance plan. So then I called again XXXX. Then now he said I'm sorry who gave you that information is wrong we don't do that here. You need to go to your credit report and dispute it. I'm like are you serious. This place is the worst doing business with. They don't give a XXXX about you.
Consumer complaint received 2022-07-11
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. (PA)

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2021-09-29
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. (NJ)

XXXX XXXX is trying to collect debt for XXXX XXXX for a timeshare that I no longer own as of XXXX. That I do not have title to, timeshare not used and included in XXXX discharged chapter XXXX bankruptcy. 
I could not owe fees for XXXX and XXXX and any future years because it was included in bankruptcy and relinquished. Please assist what they are doing is breaking the law and billing me after my bankruptcy. I no longer own timeshare at XXXX XXXX, inquire with them if you don't believe me. Please assist and remove.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

I went into chase branch and opened one checking account few months ago but a week or two weeks later find out they restricted my online banking so I called and got told they needed me to go to the local branch to show ID. Then I found out today that they closed my accounts. The branch agent told me on the phone. I called Chase customer service and another agent confirmed my accounts were closed. She also said Chase has banned me as a customer. She didnt give an explanation why. I asked to speak with a supervisor and she transferred me but instead hung up on me. I was on hold for an hour before the lady got on the line in the first place. My XXXX report also shows no issues.
Consumer complaint received 2022-01-07
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. (PA)

Hello my name is XXXX XXXX and iI 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

I disputed a transaction for {$670.00} for website services i ordered because merchant did not deliver the finished project and i cancelled the project. Vendor claimed that they delivered the project and they finished it. I placed the order on XX/XX/2020. i tried to cancel it a week after that but merchant promised me that they will deliver a very nice website and come to find out later that they do not create a website, they only do copy and paste and it was never disclosed to me. Along the way, i was given lies after lies and the project was dragged and to show me they were doing something with it but when i asked for an update, they told me to be patient. 
I cancelled the order i believe on XX/XX/2020. I disputed it with my bank and i was given temporary credit and then they reversed that on XX/XX/2020 because they told me that merchant has delivered a finished project. I was never given any proof of any update of the website. They claimed they finished the project and the bank said, i can not do anything since i approved the transaction.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Greetings, I received a phone call from this gentleman from the president office saying that XXXX is not going to be able to call me to resolve the complaint that was received by the cfpb and that theyre no errors on their side. Well, I told him sir there is because the letter never said that XXXX XXXX is going to report a late payment to the bureaus, show me proof on the letter that you guys sent, show me proof that is all that I am asking for. 

The XXXX XXXX accounts which was three accounts that I had, I paid two of them in full, one was for a credit line of {$750.00} and the other one for  {$500.00}. I was offered by XXXX XXXX during hurricane Irma help for all military and veterans that was affected by the storm, that they will waive late fees and we didnt have to make a payment for six months. So when I noticed that they reported me late to the bureaus. I called and told them that they put us in a program to help families that was affected by the storm, so shame on them and that is why I paid the two highest account in full and closed them. The accounts are currently in dispute with the Bureaus and the FTC, I will make it my mission to, protect other family members not to get bamboozled by this big company. 

There is something call karma and I believe in it and I know I will get justice for the malpractice of XXXX  XXXX. You guys says that you help military families, please show me how, all I am asking is to remove the late payments from accounts that was in a program that you guys develop to help people and now you are punishing us. 
The accounts are paid in full, when I was made aware of the late payments reporting, you know what I did I made all of my payments before the due date and paid both accounts in full and closed it and now I have one active account with you guys with XXXX balance.
Consumer complaint received 2022-01-07
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. (PA)

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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NY)

Bank / Mortgage : Sun Trust now Truist ( after merger with original holder BB & T ) Client : XXXX XXXX XXXX Property : XXXX XXXX XXXX, XXXX NY XXXX Loan # : XXXX Subject : Conversion from non-escrow to escrow For over 12 months, I was notified in writing by both BB & T then SunTrust/Truist that if taxes were not paid then the mortgage company would automatically create an escrow, pay taxes and re-establish a new payment plan. 

I have been inquiring with SunTrust/Truist about this action item for an extended period of time. On every call, a Client Services rep would reiterate the process and tell me it would be put into motion. On multiple occasions, I was provided dates on when the Escrow Department would take action. Nothing ever happened. I also asked who I should direct the money that I saved for taxes. Every time, a SunTrust Client Services rep would tell me to hold payment to the municipality and wait to pay them when the escrow was established. As of today, XX/XX/2020, minimal action has been taken and we are now at risk of losing the house to public auction. 

Sun Trust/ Truist turned a simple request into a convoluted mess. Aside from being a victim to their poorly executed process, I am now pleading with the local municipality on how to keep my home. I'm asking for CFPB to intervene and help expedite the escrow process. The goal is to keep my home and not displace my family. 

XXXX XXXX
Consumer complaint received 2021-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (AZ)

I, XXXX XXXX XXXX, am writing to inform you of an income in my name to the IRS in a form of 1099-C of {$19000.00} for the tax year of XXXX. This led to the IRS sending me a tax debt for XXXX in the amount of {$4200.00} due to this income that was not earned by me at any time. The complete name was DITECH FINANCIAL LLC XXXX. This company looks to be associated with Mortgage type debts. The IRS showed it as cancellation of debt in my name and Social Security number. Due to that fact, the IRS shows it as taxable income. Not only have I not had any type of debt with this company, I have not had any type of mortgage related debt in over 20 plus years. The following information the IRS has provided to me are listed below ; DITECH FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Acct # XXXX Date : XX/XX/XXXX Amount {$19000.00}
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (DE)

Hello, My mortgage at ditech/green tree services was sold to shellpoint financial, when sold ditech was reporting me delinquent. Shellpoint then transferred that delinquency to two of my credit reporting agencies, XXXX  and XXXX  only. Ditech/green tree was reporting incorrectly, they are now bankrupt and no longer in business. I have filed a dispute with all three credit bureaus on ditech and it was removed however shellpoint is still reporting the delinquency. I attempted to pay ditech at which time they told me to pay the new company ( shellpoint ), I called shellpoint for two months at which time they advised that I was not onborded yet and they would let me know when so I can make the payment. Once I was on boarded I was able to make my payments. At which time I made all payments and have proof of all payments. I am not sure why they are reporting me delinquent, I have proof of all payments and it clearly states that I am up to date on them. This was being reported in early 2020, I believe the delinquency was reported for XXXX and XXXX. Technically I have 90 days to transition to a new lender, and secondly, this was in the middle of Covid, I believe this is wrongly reported. I have made multiple attempts to work with Shellpoint, I do not get any returned phone calls, they do not reply to my emails, and they are non responsive to me. Unfortunately I have spent so much time trying to be patient and work with them to no avail, I have a clear history of on time payments and more than the minimum paid. This is an error on their part and not communicating is making the situation even worse. It is impacting my ability to get a new home, at which time I can only pray it is not going to be serviced by Shellpoint.
Consumer complaint received 2019-10-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

There was a car loan from capital one auto finance in my name in XX/XX/2017, which I have disputed to be removed from my credit report since it has been repossessed and sold off. I tried contacting the company to fix this error on my report and they keep sending me affidavits for identity theft which this is not the case. I am trying to have this incorrect balance reporting removed because this vehicle was repossessed after i was not able to pay after being diagnosed with a XXXX  sickness and not being able to work. I do not owe the balance that is reporting on my credit and this need to be removed immediately.
Consumer complaint received 2021-09-28
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. (MD)

This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under Equifax & XXXX, but reappeared and is reporting negative again. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. Furthermore, I spoke with their employees who were introduced to be someone other than a sales person & also claimed not to work on commission. Unfortunately I can't remember the names of the people I spoke with. I was told that I'm actually making a good financial investment, especially because it have some tax benefits similar to owning a 2nd home. Plus, resale value would go up. They said I can also earn money from it, getting rental income. I was lured when they also promised that I'll never have to pay maintenance fees again. They made me believe I was being given the privelege of getting this special offer because they needed to get " corporate approval '' to give me the price being offered. I felt pressured and rush when they told me it's my last chance to upgrade at the lowest price. They had me open a credit card for this. They promised free vacations bonus, which I never received at all. They didn't even discussed how to cancel, or made me aware as to how many days I have in order to cancel. I've sent request to cancel but they never cancelled it. I already have medical conditions such as XXXX and XXXX, & it simply doesn't help when I'm experiencing financial difficulties caused by this timeshare, plus my credit score is going down because of this as well. It's very stressful having this timeshare, they've put me to collections, I can't even get a loan because of this. I am a victim of the XXXX timeshare scam. They told me that timeshares are fantastic investment, which is untrue. There was a high-pressure time shaper presentation that lured me in with the promise of a cheap vacation. I was told by the salesman how the program is good & the points. The sales person told us XXXX XXXX XXXX XXXX XXXX, which paid for {$18000.00} could get us 20 nights at all kinds of beautiful resorts every year throughout our lifetime, at any time, which was untrue as we were not able to find any availability when we try to book. We were defrauded & lied to. This is the biggest scam I encountered.
Consumer complaint received 2022-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX  inquires with XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 

Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Orion Capital Solutions LLC (OH)

I have wrote them 5 times tell them to stop and quit. They said they removed me. They have not. Received another call today to a family members phone trying to get in touch. they left a vm. They called a CHILDS phone. 

Stop notices/no contact sent : XXXX XXXX XX/XX/21 XXXX XXXX
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. Not only is this debt not mine but it also over 180 days old, & I have advised this company numerous times that this debt is not owed, however, they continue to place this on my credit report. I have shown proof of such, which was ignored the address this company has on file for me is not mine and I've NEVER LIVED THERE. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I previously disputed this account on my credit report several times with the furnisher and Experian Per my the companies response for the last dispute I am disputing the following : 1. XXXX XXXX on my Account - Please Remove - Per the company 's response they said the following : a. XXXX no longer owns the account b. The Balance amount is incorrect on my credit report 2. XXXX says they mailed an intent to sale : NO DOCUMENTATION - REMOVE a. They have provided NO documentation to validate this b. No settlement was reached because I never knew received an intent to sale or a deficiency notice. 

3. XXXX is a predatory lender, they repo my car after missing 1 payment, they did not properly notify me of intent to sale or deficiency balance, because they have a long practice of selling the vehicle - repo the vehicle after 1 missed payment, reselling the vehicle again, then selling the debt. So they make more money on repo then an actual sale, which is why they repo my car after 1 missed payment.
Consumer complaint received 2019-11-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Student Loan Debt Agency (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.