davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
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: EQUIFAX, INC. (MI)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX credit report shows a 30 day past due on XX/XX/XXXX. I filed a dispute with XXXX and also contacted Bank of America. Bank of America replied to XXXX that the payment history/prior reporting is accurate. 

I called Bank of America 3x to get an account history. They could not locate the account even with full account number because it was " archived ''. I finally was able to get a copy of the last statement on this account which is dated XX/XX/XXXX. The statement shows the account paid in full and closed. This is affecting my credit score. The account was paid off in XXXX of XXXX.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

Went online to lift a security freeze. Online said I my social security and date of birth don't align. I called customer service and went into a automated response loop which could not resolve the problem. Finally got someone to answer my call by going through another department. Although the computer doesn't recognize my account I'm told I have a PIN number which I obviously don't have because they don't recognize my account. When I asked for verification through security questions they told me they don't have any security questions for my account. 

I have been on the phone with my 6th agent after numerous transfers by people who said they could not address my issue. One disconnection and no way to call the person I was speaking with back. All in all over an hour and a half and still nothing is resolved. 

This whole thing seems to be a cluster on their end and I am trying to get a loan and have been told there is a freeze on my information. Beyond frustrating with no one being able to address my problem. Don't really know where to go with resolving this situation.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

After checking my 2 credit reports with XXXX XXXX Experian, I noticed that XXXX XXXX is incorrectly reporting on my account. Per the FCRA & FDCPA all of the information must report accurately & fairly. They told me that they cant do a goodwill adjustment but I need to get proof of payment history so when I get ready to go to an attorney so Ill have the information to present to the small claims court.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX XXXX XXXX and Trans Union , LLC have recklessly failed to follow reasonable procedures to ensure the accurate reporting of my credit under the FCRA Notice on the XXXX XXXX XXXX, XXXX wrong information as to # 2 ( You have too many delinquent or derogatory accounts ) only. 

In addition, I contacted both agencies ( XXXX and Tran Union ) in regards to the recent reporting of my credit report. I attempted to get credit with XXXX XXXX and XXXX XXXX XXXX. Both creditors reported back the following on or about XX/XX/2021 1. Balance on your accounts is too high 2. You have too many delinquent or derogatory accounts and ; 3. The total of all balances on bankcard or revolving accounts is too high.

This information would be totally old and incorrect. I have no balances on any of my revolving accounts and havent had any for more than 60 days.

Misreporting such information after being made aware willfully and/or negligent violates Section 1681 e ( b ) of the FCRA. Such action of delayed or failure to update reporting files in a timely matter also violates Section 1681 I of the FCRA. 

I was denied a mortgage and housing rental due to the negative and incorrect information provided by these two agencies. The information being reported to creditors is old and outdated by at least six ( 6 ) to eight ( 8 ) months. 

I am demanding that they correct the information within my report and provide me written notice that it has been corrected in writing.
Consumer complaint received 2022-04-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with FCRA the credit report must reflect true ans accurate information. The credit bureau has investigated stating the account is accurate however the account is marked 90days late when last payment was made after the 90day delinquency.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

The personal information that the credit bureaus is reporting is incorrect! I have sent out several letters to each bureau in regards to this matter please delete from my report. 

The only information that should be on my report is Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX Birthdate : XX/XX/XXXX No other name, previous addresses and birthdates. I do not associate with any additional information they have on my report.
Consumer complaint received 2022-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (RI)

In the past I have written to XXXX XXXX, XXXX XXXX, Department of Education, and the XXXX XXXX XXXX. In all my efforts to obtain resolution I have failed. I borrowed roughly {$10000.00} in XXXX loans from XXXX. I did rehabilitate my loans and have been paying for 28 years now. I have paid already more than {$28000.00}. I am almost finished. Yet, I am not finished with the fight. I was an incarcerated individual for a period exceeding 10 years. During that time I was sent many many bills from Sallie Mae which is now Navient. Though I was pushed into forbearance and financial hardship conditions, never was I told that I couldve applied for public service loan forgiveness as I was incarcerated and working the entire time. It would have been an impossibility to make payments and continue correspondence with the company. During incarceration there a long stretches where an individual makes anywhere from $ XXXX {$.00} an hour. It would take months just to buy a book of stamps. Though my life has completely changed and I have achieved a successful status Im still facing debt with the embattled Navient company. On the Internet I found terms that state, from federal student loan.org-the government will write off loans if the borrower is to be incarcerated for a period exceeding 10 years and the debts can be reinstated when the individual is released. I was never informed of this condition and my loans were sold from company to company before landing with Navient. I watched the interest to get capitalized and fees accrue while I remained helpless. I am confident there is more than just me that face this. And, it is an incredible burden to be faced with as soon as you step out of a long-term incarceration. I should like to see this group of people get some resolution where college debt is concerned. Currently, there is much talk about loan forgiveness and pause in payments, but no one talks about those who have paid the price and changed their lives. It has been personally, as if I am being punished forever and I dont think thats fair. Im confident that I am not alone. And I am also confident that no one has yet addressed this group of indebted folks. Please, take the time to look into this kind of situation and if you need any of my records I have saved everything. Feel free to contact me. Thank you for your time. I appreciate your attention to this matter.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I ordered a monitor on XXXX, but the package arrived damaged. So, I returned the package through XXXXXXXX XXXX XXXX  pick-up service. After XXXX  picked up the package, I was given a return confirmation paper. However, even after the package was delivered to the XXXX return warehouse, they did not issue my refund. I raised the first dispute, but it failed. After contacting XXXX, they told me I had to wait 60 days since the return before receiving a refund. Frustrated, I started a second dispute, but it also failed. When I contacted XXXX again, one of the supervisors informed me that they had already issued the refund. However, due to the open dispute, the refund got blocked. They advised me to contact my bank and ask them to resolve the dispute. So, I submitted all my evidence, including the email from XXXX stating they received my package and would issue the refund. Despite presenting strong evidence, my dispute failed once again the latest dispute id XXXX.
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (IN)

Caine Weiner Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # account number. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action
Consumer complaint received 2022-08-22
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. (NY)

Hello, my name is XXXX XXXX and 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 this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 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's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-04-22
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: AMERICAN EXPRESS COMPANY (FL)

AMEX gave me a business card. I added my husband. He's been using the card for the business the most. Well they said that raised " suspicions ''. They told me when I got the card that it would be reliable. That I could depend on them. Well because I only used the card and have done nothing else wrong they've cost me thousands.
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

On XX/XX/2022, I received a predatory loan modification from Shellpoint that should have been a XXXX XXXX XXXX modification subject to people affected by Covid -19.

I emailed Shellpoint escalations, loss mitigation, my dedicated account representatives, and the XXXX on XX/XX/2022, XX/XX/2022, and XX/XX/2022 that I want my XXXX XXXX modification to go forward and to remove # XXXX, the attachments, and fix the capitalized interest. As of the date of this complaint, Shellpoint has not responded. 

Shellpoint refused to correct Ditech 's error in overcharging me for escrow. In Texas, the servicer can not estimate, they must use the previous year 's expenses. When I should have had a credit, Ditech deceptively showed a short. Shellpoint refused to correct it stating that they took what Ditech gave them. Then, instead of accurately counting my payments, Shellpoint held funds in suspense and claimed I missed payments. Plus, charged property inspection fees that are not allowed under my note. 

In the modification agreement, Shellpoint includes " Additional '' items in number XXXX. These do not allow me to sell the property or transfer the modification to an heir. Interest should not be charged on the modification because I was affected by XXXX. 

Shellpoint, not only charges interest, but also overcharges. All the fees that are supposed to be waived, Shellpoint includes them in the " Additional items. 

The XXXX language allows them to void the entire modification by giving the the right to demand the escrow short during the months that I was affected by Covid.

The escrow language also double counts because the escrow account says there is a current short, which is part of the new modification amount, but the escrow short is also added to the back of the loan in. 

Shellpoint also wants me to sign an errors and omission statement while they are creating errors and omitted a second page of the disclosure pages. 

Shellpoint wants me to sign a Texas loan note with the incorrect amount that I owe with the capitalized interest including Shellpoint 's legal fees. 

Shellpoint included incorrect court records where the note is located and incorrect property descriptions. 

Shellpoint includes no oral agreements, which I do not know if that includes email.
Consumer complaint received 2021-11-05
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-22
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. (MN)

old account past the stature of limitations is been put on my account and continue to be updated by XXXX and Equifax with current date. Accounts that do not belong to me due to identity theft.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have been patiently waiting on CAPITAL ONE 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : ( CAPITAL ONE XXXX )
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MD)

To whom it may concern I have a hard inquiry on my credit report from Discover Financial SVC that was dated on XX/XX/2021. During this time I was currently being held under treatment at an Addictions Center called XXXX in XXXX MD. I have no knowledge of this report or why it's on my credit report. I've only applied for one credit card and that was at XXXX. I was denied. That's not the issue, the issues is on XX/XX/XXXX there was no possible way I could have processed that or been home for that. 

Any comments questions or concerns my name is XXXX XXXX XXXX my phone number is XXXX. My address is XXXX XXXX XXXX XXXX MD, XXXX. Thank you have a blessed day.
Consumer complaint received 2022-01-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (AZ)

Regardless of the multiple written requests, the AM HONDA FIN account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with 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. 

( AM HONDA FIN XXXX )
Consumer complaint received 2024-10-24
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)

I need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is XXXX XXXX. I sent dispute letters out more than 14 days ago and have not received any credit report updates, nor have I seen any changes to my report. I believe the information on the account with " XXXX XXXX '' to be incorrect. 

Account # : XXXX