davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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: U.S. BANCORP (VA)

I am disputing a credit reporting action with U.S. Bank Home Mortgage. 
I sent a letter to U.S. Bank, Attn : Credit Bureau XXXX, XXXX XXXX XXXX, XXXX, KY XXXX. XXXX dated XX/XX/2022. Their return letter stated that my letter was an " insufficient information request, and gave me a list of required information. The letter from U.S. Bank was completely unresponsive as all the information they required was in the body of my letter or in one of the six Attachments. Their return letter gave a general automated phone number. A U.S. Bank rep stated that the Credit Bureau Reporting does not receive incoming phone calls.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have high credit card limit & purchase everything on my bank of America credit card. My brother got married in XXXX of 2021 & I offered to put the cost to their venue on my credit card. In response, he paid me back in check & {$5000.00} cash. I've deposited the {$5000.00} cash into ATM at XXXX XXXX location XXXXXXXX XXXX XXXXXXXXXXXX XXXX. The ATM took the money & shut down & only gave me a slip that said we are unable to process this request. I have immediately opened a claim. After multiple long follow up calls, I finally received only {$4000.00} credit back on my credit card. I had to reopened my claim immediately & haven't received my money back. I get transferred Everytime i make an inqury regarding this clam & it hasn't been resolved after almost 8 months.
Consumer complaint received 2022-03-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (NY)

I don't know if it is a real debt collector of a scammer. If it is a legitimate business, they are harrassing me! They call my phone almost every day, sometimes more than twice a day, and never leave a message. I don't answer calls from numbers I don't know. I have received nothing in writing regarding a debt that is in collections. I don't want to call the company because I have no idea why they are calling me and am afraid they are scammers. I do not handle any financial business on the phone, ever. I googled the phone number and it was listed on an attorney website as a debt collector. I was reporting a phone number as a scam and noticed that although I blocked the XXXX number after several weeks of them calling, my call log shows they have kept calling, I always see the missed calls, over and over, but I have never been contacted by mail. It is completely inappropriate business practice. 

Here is a list of call times and dates : XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX pm and XXXX pm XX/XX/2022 : XXXX pm and XXXX pm XX/XX/2022 : XXXX pm, XXXX pm, and XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm, XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am All of these calls and I have received nothing in writing. If this is a real business, this is incredibly inappropriate behavior. I want these people to stop calling me. I can block them so they can still call and leave a message, but I don't hear my phone ring. I want them to stop calling me period. My address is public information, they have never contacted me by mail.
Consumer complaint received 2022-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (FL)

Upgrade claims to report to all major credit bureaus in a timely manner but I have had recurring issues where they claim to be reporting but there seems to be an issue or error with the way they are reporting since it does not update on my credit files with XXXX, XXXX or XXXX. Each time I have had to call to bring the issue to there attention and I have been told they have reported but after waiting and rechecking it is not so. Today XX/XX/XXXX I reached out to XXXX and they clearly indicated that once new info is provided to them they update same day or at the latest within a couple days of info being received but they had not received an update from upgrade as they claimed at all in the month of XXXX. I called upgrade once again after speaking to experian to give them another chance to try to correct the most recent balance and payment history issue and after speaking to a member of there leadership team as they refer to it, I was told they would not take my word for it and that they would conduct a review of there own reporting and if they found an error then and only then would they send a credit correction for my account. The rep refused to provide more identifying information when I requested for his info and only provided XXXX as his first name and after asking for his employee iD or any other info he refused. I know these calls are recorded and should be reviewed since rep was evasive and condescending when I asked for a fair solution of having them please re-report or correct my credit file and also conduct a review to avoid this issue from continuing to happen to any other clients. All other creditors report on a monthly basis and similar creditors who report on the last day of the month like Upgrade reflect updates in a timely manner within days of there reporting. All I ask is that my loan be updated on a timely basis to the credit bureaus. If you claim to be reporting at the end of each month but the client has to call each month to address non-reporting then there is obviously an issue somewhere. Please address and correct this issue so info regarding my loan is reported accurately and timely to the credit bureaus since this affects my credit and finances and may be affecting other clients as well.
Consumer complaint received 2022-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (CA)

New and updated information. 
I sent a cease and desist letter along with a SECOND request for debt validation to NAVY FEDERAL CREDIT UNION which was received by them on XX/XX/22. NAVY FEDERAL CREDIT UNION responded only with the exact same thing they sent in response to my initial debt validation request which is an envelop containing statements which IS NOT proof of validation as REQUIRED by federal law
Consumer complaint received 2022-03-08
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-05-23
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. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CT)

A review of Shellpoint CRAs XXXX reporting of Account shows copious payments made on time not being reported. Borrower has made several requests for Shellpoint to correct CRAs reporting in XXXX. 

XX/XX/XXXX was paid on XX/XX/XXXX XX/XX/XXXX was wrongfully interfered with by Shellpoint on multiple occasions by order of a Shellpoint employee. 

XX/XX/XXXX was wrongfully interfered with by Shellpoint on multiple occasions by order of a Shellpoint employee. 

XX/XX/XXXX was wrongfully interfered with by Shellpoint on multiple occasions by order of a Shellpoint employee. 

XX/XX/XXXX was wrongfully interfered with by Shellpoint on multiple occasions by order of a Shellpoint employee. 

In XX/XX/XXXX no payment was made. 

In XX/XX/XXXX no payment was made. Request for loan modification made. Shellpoint wrongfully interfered by manipulating Account. 

In XX/XX/XXXX no payment was made. Shellpoint wrongfully interfered by manipulating Account. 

In XX/XX/XXXX no payment was made. Request for loan modification made. Loan modification granted. Began pre-loan modification agreement. 

In XX/XX/XXXX, XXXX made the first payment on XX/XX/XXXX, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from Shellpoint. 

In XX/XX/XXXX, Borrower made the second payment on XX/XX/XXXX, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from Shellpoint. 

In XX/XX/XXXX, Borrower made the third payment on time, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from Shellpoint. 

In XX/XX/XXXX, Borrower made the fourth payment on time, in agreement with the loan modification agreement. Shellpoint sent Borrower loan modification agreement without the agreed-upon deferred principal balance. 

In XX/XX/XXXX, Borrower made the fifth payment on time, in agreement with the loan modification agreement. Shellpoint attributed XX/XX/XXXX through XX/XX/XXXX payments to Account on XX/XX/XXXX. Borrower waited on loan modification agreement from Shellpoint. 

In XX/XX/XXXX, Borrower made the next payment on time, in agreement with the loan modification agreement. Shellpoint attributed XX/XX/XXXX payment to Account on XX/XX/XXXX. Borrower waited on loan modification agreement from Shellpoint. 

In XX/XX/XXXX, Borrower made the next payment on time, in agreement with the loan modification agreement. Shellpoint attributed XX/XX/XXXX payment to Account on XX/XX/XXXX. Shellpoint sent Borrower the correct loan modification agreement. 

In XX/XX/XXXX, Borrower made the payment on XX/XX/XXXX. Shellpoint CRA reporting shows No Data Reported.
Consumer complaint received 2022-03-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (GA)

Starting XX/XX/2022 I submitted an application to remove a co-signer off my student loan. I submitted the completed application with my pay stubs. 

Approximately 2 weeks later on XX/XX/XXXX, I was notified my paystubs were not sufficient since my employer was not listed and I would need to submit a W-2. 

On XX/XX/XXXX I was noticed my application needed my phone number and gross monthly income. I once again resubmitted my application. 

On XX/XX/XXXX I was notified I needed to submit a copy of my social security card even though the application asked for either my account number or last 4 of my SSN. Later the same day I was told I needed to show proof of income which was already sent on XX/XX/XXXX. 

XX/XX/XXXX, I was told I needed to validate my physical address and today XX/XX/XXXX I am being told my application is missing my gross monthly income. 

It has been a never ending cycle with this company and I just want to get the co-signer off the loan.
Consumer complaint received 2021-10-27
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2022-06-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

EXPERIAN IS AND HAS REFUSED FOR NEARLY A YEAR TO DELETE ACCOUNTS ASSOCIATED TO AN ERRONEOUS ( DELETED ) XXXX XXXX BANKRUPTCY. THESE ACCOUNTS HAVE AND CONTINUE TO AFFECT MY CREDIT WORTHINESS. I'VE SUBMITTED SEVERAL DISPUTES AND NOW SEEM TO HAVE BEEN BLOCKED AND/OR FLAGGED BY EXPERIAN TO DISPUTE FUTHER.
Consumer complaint received 2022-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (SC)

My debit card had to be changed. I updated it in the system but they have sent my account to a debt collector!! for XXXX XXXX dollars. When the payment failed I logged in and updated my account so when the next attempt came, they could take their money. Well they did not and now I have debt collectors emailing me for Klarna 's money and Klarna emailing me to spend MORE money through them! 
Which is completely counter productive to the whole purpose of having this type of installment service. 
In addition to that. I signed up for phone notifications. The phone notifications for payment stopped once the last payment wasn't received. 
Aren't I supposed to be informed of my being sent to a debt collector? I was not. 
Then I call customer service and like every other customer service, they pick up and stay on the line until you hang up. I am on hold now. for 11 Minutes so far. It is XX/XX/2022 it is XXXX. 
So the customer service is not being provided as it should be. I would pay on the phone with them but I am not paying no debt collector and I am not downloading the app. All it does is harass you to use their service. So you can be harassed by their mistakes. XXXXXXXX XXXX their fake customer service rep hung up.
Consumer complaint received 2022-03-08
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. (LA)

since XX/XX/2021 I have been trying to get Transunion to provide answers to my dispute. All I get is accounts are updated. what does this means? I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I wish to see the documents showing the company rights to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
accounts being dispute XXXX XXXX XXXX XXXX Opened XXXX {$210.00} XXXX XXXX  Opened XXXX {$410.00} XXXX XXXX Opened XXXX {$840.00} XXXX XXXX XXXX Opened XXXX {$970.00}
Consumer complaint received 2021-11-26
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. (NY)

Equifax, XXXX and XXXX are still falsely reporting accounts on my consumer report which is causing me great pain and anguish, I am taking steps to get better sleep but looking at the inaccuracies keeps me up at night. XXXX XXXX Bank has admitted fault and determined the fraudulent remarks and account were furnished in error. My social security card was used and manipulated with no benefit to me.
Consumer complaint received 2022-02-28
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. (OH)

Experian refuses to remove several addresses that I have never lived at, as well as duplicates of the addresses that are inaccurate, as well as numerous variations of my name that have been reported, that are however inaccurate.
Consumer complaint received 2022-02-28
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 (MA)

Since approximately XX/XX/XXXX I have had issues with the company portal in being able to make payments on time. The portal is constantly timing out, showing an error that it " can't be accessed right now '' or the " page is down ''. This has affected my ability to make timely payments which the company has charged late fees for. 

Approximately XX/XX/XXXX I attempted to log into the portal to make a payment in full and close the account due to the fact that I can never use the online account effectively. I once again was unable to access the account ( screenshots attached ) and am unable to make a payment in either XXXX XXXX or XXXX XXXX browsers. I receive the same error in that the page is down and this has gone on for months now. 

Today, approximately XX/XX/XXXX I have noticed that the company has now posted a late payment against my credit that has reflected across all 3 major reports and my XXXX.

I am requesting that this late payment be removed from all of my credit bureau reports as I have attempted to make payments to this company multiple times without success. The customer service team redirects you to try another browser and I have tried them all without being able to access the account.
Consumer complaint received 2022-01-11
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: Resurgent Capital Services L.P. (FL)

My name is XXXX XXXX, and my maiden name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. 

I have attached all of the letters that I have sent to LVNV in response to the derogatory information that was placed on my credit report. I never received a response from the company from any of the letters that I sent out. Then they tried to take me to court in which they closed the case due to identity theft as I stated before, but they have yet to answer for the violations that have been done to me. They have ruined my reputation, my character and my chances in getting approved for credit. 
The information has been removed from my credit report, but I am still dealing with the after effects of the derogatory information that was place on my credit report. They have violated several US codes as listed in the attached letters. 
I have lost job opportunities, the ability to get a student loan to go back to school because of the information that was placed on my credit report. Although it has been removed, I did not gain the points that were taken from my credit score once this information was removed and I am still feeling the after effects of LVNV and Resurgent Capital Services and the information that was on my report.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I contacted the XXXX XXXX LL, Now with agree to repay re fresh my account to current but they reporting late payment. all this situations was relay to covid 19 situation and lock down losing temporatly my job. Also to be afected directly with the with the COVID. I contacted then to arrenge a payment plan to continue and bring my account current. 
after been hospitalized aconsecuence of natural desastre COVID 19 illness and complications for me be a high risk patient. which I was at not income since XX/XX/XXXX Still today XX/XX/XXXX again. still making my payments I am dealing with Covid 19 effect and after speak to then they refused to help and still continuel reporting late to all to the bureau as delinquent.
Consumer complaint received 2022-01-11
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. (VA)

As of XX/XX/XXXX, I had sent out a letter to EXPERIAN to dispute the inaccuracies on my credit report for late payments regarding these accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXXXXXX EXPERIAN revived my letter and have not send the documentation proving the accuracy on my report. I have demanded that I receive documentation from the creditor indicating that I have been late on these accounts. Pursuant to 15 usc 1681a ( 2 ) ( b ) I demand that you remove this inaccuracy on my report and update to paid as agreed. I expressed my right to demand that EXPERIAN disclose to me all documents they have recorded and retained in my consumers file at the time of request concerning these alleged late payments EXPERIAN is reporting on my credit file. EXPERIAN can not just reply in writing stating that EXPERIAN has verified alleged late payments on my accounts without supporting full disclosure documents of how EXPERIAN has verified alleged account. By publishing these inaccurate and unverified items on my credit report and distributing them, you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because EXPERIAN was unable to provide the necessary documentation.