davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NC)

We tried to recieve a lower interest rate back in XXXX with XXXX  XXXX XXXX then sent our loan to another company who at that time told me to hold my payments and we did until they received our paperwork at that time they tried to foreclose on us then. We paid the money up and was fine then our loan was sold to shellpoint mortgage company and they told us to send our payments in and we did and they did it again. Then they did it again in XXXX and we paid them {$36000.00} through an attorney and we made 5 months of payments to them and in XXXX of XXXX they sent back 3 months work and at that time refused to talk to us so we back to our attorney and they wouldn't talk with him either and then covid hit and they never called or mailed us anything or to our attorney u til XXXX of XXXX and said we now owe XXXX in order to reinstate our loan whoch is nailing us with all these court costs and attorney fees all for nothing when they could have simply took our money I stead of mailing them back to us with the stamp NO on the post office checks. These people are mean and cruel to try and take an XXXX year Olds home when they have always paid there mortgage every month and never had any problems. Please help us before we are homeless with nothing we have worked for our whole lives. These people just don't want to work with anyone at all, and they lie cheat and steal homes from the American people and this needs to stop our health have gone down hill from all the stress and not knowings what we are facing. So please help us. Thank you
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

Pursuant to complaint # XXXX I heard from Comenity Capital Bank XXXX XX/XX/2022 ) that my issue was resolved. The explanation was that my payment of {$73.00} had been applied to a previous credit card with the XXXX XXXX XXXX, not the one I recently opened for my purchase for {$73.00}. ( I had not used the previous one for years and forgot about it ). It was the new card for which the interest and late fee charges had increased to almost {$200.00} so I filed a complaint with CFPB, and number for that is listed above. 

However, just this week I received a bill from XXXX XXXX for the old account ending in # XXXX with a balance due of {$53.00}. This included a listing of all the refunds per late fees and interest. 

I also received a bill from XXXX XXXX for the new account ending in # XXXX with a XXXX balance. 
# XXXX. The two bills are attached as is the letter.
Consumer complaint received 2022-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (TX)

I had a credit card with XXXX XXXX once in a while I use the card at XXXX but then I stopped because I preferred to shop at XXXX XXXX Club. Paid the minimum charges every month without any problems. Then the pandemic hit us which caused a lot of financial headaches for me as I am a full time caregiver to my wife who is a XXXX survivor but had a XXXX and now she is permanently XXXX. Fast forward I was behind in paying some of my bills to point that I reached out to some of the creditors and made arrangement and paid but then when I reached out to XXXX I was told my account was closed and that I will contacted by another company. When I asked why, I was told that I was late in paying my balance of which it came as shock to me when I was told I owed over {$2000.00}! That was a red flag but they could not help me at all. So I believe I am victim of identity theft. I did not spend that much on that credit card with XXXX.
Consumer complaint received 2022-04-23
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. (MO)

KS DCFS CSS/CHILD SUPPORT ENFORC Account Info Account number XX Account status Closed Date opened XX/XX/1995 This account is showing a status of of opened/closed/collection. This is account is passed the 7 years mark to be on file and this account is not mine. The credit beaus has not verified this information. I have also contacted the courts and they told me they do not verify this type of account. This account need to be deleted from my report immediately. All information was mailed XXXX and i have the tracking numbers.
Consumer complaint received 2022-09-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

3 years ago I had a charge off on my XXXX XXXX.I have been building my credit score up since then-As of Last Month my score was XXXX weeks ago I inquired about the XXXX charge off and the next thing I know I get an alert that my credit score decreased, It went from XXXX to XXXX because XXXX put a new report of charge off in the last week-I spent over 6 hours trying to talk to XXXX and was transferred and disconnected numerous times-I talked to supervisors, over 10-15 agents and even their Deceased department -- I can not get through to them to get this mistake fixed-They even had me down as dead.Now my report has dropped so far because of them I am ruined.I 'm XXXX XXXX old and this is a death sentence to me... I can't get Experian or XXXX to do anything.
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation (FL)

I applied for an Aspire credit card 2-3 months ago, was immediately told it was approved. Almost a month goes by and never received in mail, called company and they said they would mail a 2nd time. 
Still never received in mail. 

I told them i thought this might be a scam as their recording states to activate card as soon as you call, and i keep getting texts or emails to activate card which i never received. 

I called and gave them a new address to send card to, called back and was told to wait until XX/XX/XXXX, which was still another month. At this point I do not want their card as i found out it is for people with bad credit and has a monthly fee. 

I am going to call company now to tell them to cancel my account. Please make sure they have cancelled my request. 
Thank you.
Consumer complaint received 2022-06-12
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. (NJ)

I have an abundance of unrecognized hard inquiries in the form of " XXXX XXXX '' that I just recently discovered. All of them are from XXXX. The " Creditors '' are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX | XXXX | XXXX XX/XX/2023 U.S. House of Representatives XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Honorable XXXX XXXX : Bank of the West closed my account with no explanation. It has taken me months, and countless hours to transfer all my affairs to a new bank. Not to mention the bounced check charges I have incurred. 
After receiving the attached letters I went into my local branch on XX/XX/XXXX here in XXXX XXXX and spoke with the manager XXXX XXXX XXXX. She said she had no idea why I received the attached letters. Despite my complaints she said there was nothing she could do. I take great pride in handling my financial affairs. I pay my bills on time like my father taught me. Never in my XXXX years have I had an experience like this. Banking is a necessity in todays world. One can not function without a bank account. By the time I received the letters I had been a loyal customer for over 8-years. Why the sudden cancellation of my accounts, without explanation? Was my identity stolen? Was my account being used in a fraudulent way? Regardless, at least an explanation is in order prior to any closing of accounts. 
I can not believe that a bank can treat its customers with such arrogance. Why are banks allowed to behave this way? I am very upset about this and I am seeking an explanation. 
Why are banks allowed to close customers accounts with no explanation or reason? 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau
Consumer complaint received 2022-04-23
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. (NC)

In accordance with the Fair Credit Reporting act. These accounts have 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 EXPERIAN ACCOUNT NUMBER AMOUNT XXXX XXXX XXXX {$630.00} XXXXXXXX XXXX XXXXXXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX I XXXX {$270.00} XXXX XXXX XXXX I XXXX {$640.00} Totals {$4200.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX {$490.00} XXXX XXXX XXXX XXXX {$790.00} No Name XXXX {$120.00} No Name XXXX {$640.00} No Name XXXX {$270.00} Totals {$2900.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$640.00} Totals XXXX
Consumer complaint received 2022-09-09
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. (CA)

I recently reviewed a copy of my consumer, and I noticed that it is reporting an experience with your company.The line of credit I have with your company, is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : XXXX XXXX XXXXXXXX, your company is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The cfpb closed my compliant without anything being done which is strange because I just submitted it.
Consumer complaint received 2022-04-23
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account, 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 2022-09-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NY)

The choices offered in your form to get me to this section do not really apply ( nor does my response after this about Nelnet as Nelnet has nothing do with this scam ) but I had to click on something. I was told to file a complaint with you by the Student Debt Crisis Center. I recently received a phone call from a woman named XXXX saying that she worked with " student debt '' at " education '' and that my deadline was coming up fast and she was holding my file open for a while to call her back asap. When I called I got a man and he asked for lots of info including the last four digits of my SS #. Then he seemed to have ALL my information, including the amount I owed ( my loan is currently on hold and in default ). He said that based on my age and the time I had paid that all but {$3100.00} would be forgiven, that I would pay online for four months - XXXX, XXXX, XXXX, XXXX @ {$190.00} and then from then on XXXX on I would pay {$10.00} for 240 months. It all sounded legit until they asked for my credit card. I hung up. The phone number ( I still have the original message ) is XXXX and in the message it says to opt out call XXXX. I never called that number. 

This is clearly a scam and it is repugnant and disgusting since so many of us are desperate to get relief for our loans. I am XXXX so clearly praying on older folks.
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2022-04-23
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-09
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Dovenmuehle Mortgage, Inc. (TN)

Previous complaint number XXXX Dovenmuehle Mortgage has reported to the credit bureaus a Major Derogatory again for the month of XX/XX/XXXX. According to the Coronavirus Aid Relief and Economic Security ( CARES ) Act if my loan was current prior to the forbearance the loan will report current. My loan was in fact current and had been since its inception. This is unacceptable! 
As a good faith effort on my part I paid my payment for the Month of XX/XX/XXXX on XX/XX/XXXX because their prior excuse for this was that I was making payments later than the XXXX of the month ( but before it was actually late, so prior to the XXXX of any month ), and that was complicating my " status '' in their system to show me as 19 months overdue. An excuse I find totally unacceptable. 
As stated in my original complaint I have been requesting deferral paperwork to rectify my loan since I resumed payments in XXXX of XXXX. So for 11 months Dovenmuehle Mortgage has been who is delinquent not me. 
At this point their actions are affecting how other companies view my credit as one company has already lowered my credit with them to reduce my ability to run my business from that card as I have done when needed in the past. I am forced at this point to explore my legal options because of the careless actions of Dovenmuehle Mortgage.
Consumer complaint received 2022-06-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

From XX/XX/XXXX to XX/XX/XXXX I was under the Covid 19 forbearance. No negative information was reported during such time. My loan servicer changed from XXXX to XXXX within that time. XXXX requested I pay the deferred forbearance loan upfront. I informed XXXX that I was unable to pay the deferred amount but since my loan was under Covid 19 forbearance Id like proceed with the loan modification. Once again no negative information was reported at such time. In XX/XX/XXXX I was informed to complete paperwork to process the loan modification which required 3 payments of {$2200.00} for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All payments were made and received by XX/XX/XXXX and the loan modification was processed. After the last payment was in XXXX for the month of XXXX, XXXX reported my account deliquent to the credit bureaus on XX/XX/XXXX. First payment under the modification is due XX/XX/XXXX. My complaint is that XXXX reported my account deliquent which caused my credit score to drop over XXXX points. I've disputed the information with the credit bureau to which they reported only the information has been updated to include the trial payment but all else will remain on my account. Also I do need to report that while making the XXXX trial payment XXXX also sent me a few letters stating that my account was facing possible forclosure if the forbearance balance was not cleared. I disputed the information with XXXX via phone to which countless representatives informed me to ignore the letters as it was standard process. However these letters still were being recieved on my end and I felt in danger of losing my house. I reported XXXX to the XXXX XXXX XXXX XXXX services. XXXX quickly responded to XXXX in which they expressed mistakes on their part.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

A Financial institution ( XXXX  XXXX XXXX ) filed a report with chexsystems reporting my Business account for suspected fraud, XXXX  XXXX XXXX has since closed my account, Including a savings account I held in the bank for over 15years I disputed the information and Chexsystems carried out an investigation and the Financial Institution claimed to verify the information without contacting me or launching any investigations. 

Seeing that i was up against institutional collusion, I realized my only recourse to putting my side of the story out there is ADDING A STATEMENT TO MY FILE on Chexsystems. 

I sent Chexsystems a statement which was added to my file ( SEE attachment 1. ) A few days later i got a letter from Chexsystems stating an error and CHANGING my statement ( SEE attachment 2 ) The statement in ATTACHMENT 2 belongs to Chexsystems NOT me and it represents a BRAZEN denial of my FIRST AMENDMENT RIGHTS!!!
Consumer complaint received 2022-04-24
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 15USC 1681. 
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 2023-10-14
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-04-24
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXXXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately