davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

This is additional information for Discover Card. For 4 years I have been claiming theft and fraud of the Discover Card. The card was stolen and fraudulently used. Attached is my XX/XX/XXXX Sheriff 's Report. Also attached is XX/XX/XXXX XXXX County Judgment and felony conviction for credit card abuse and references my card. Also attached is XXXX Mississippi arrest for false pretenses, forgery, and credit card abuse. This should be important to Discover. It reflects how she impersonated her own father and how she manipulates. She was even writing large hot checks to buy cars. She has to have a XXXX loose and is a mean twisted person. I am also attaching a FTC fraud report on a dealership. XXXX XXXX convinced them to pull my credit report without permission to check me out and then forged an application and purchase.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

[ Your Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Date ] [ Credit Bureau XXXX ] [ Credit Bureau XXXX ] [ City, XXXX, ZIP Code ] Subject : Request to Update Credit Card Balance Information Dear [ Credit Bureau Name ], I hope this letter finds you well. I am writing to request an update to the credit card balance information associated with my credit profile. I recently noticed that the balance reported on my credit report does not reflect the accurate current balance on my credit card. 

Please find below the details regarding my credit card account : Credit Card Issuer : Revvi Statement Closing Date : XXXX Current Credit Card Balance : {$3.00} XXXX kindly request you to update my credit card balance to reflect the most up-to-date information. This correction is crucial as it directly impacts my creditworthiness and financial standing. I have taken necessary steps to ensure that my credit card payments are made on time and in full. 

Enclosed with this letter, please find supporting documents such as recent credit card statements or any other relevant information that may assist you in updating the balance accurately. 

If there are any additional procedures or forms that I need to complete to facilitate this update, please let me know at your earliest convenience. I understand the importance of accurate credit reporting and would appreciate your prompt attention to this matter. 

Thank you for your prompt assistance in resolving this matter. I trust that you will handle my request with the utmost professionalism and efficiency. 

Should you require any further information or have any questions, please do not hesitate to contact me at XXXX or via email at XXXX. 

I look forward to a positive resolution to this issue and thank you in advance for your cooperation. 

Sincerely, [ Your Name ]
Consumer complaint received 2022-09-21
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: JPMORGAN CHASE & CO. (MI)

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

As such, under 15 U.S. Code 1681i. Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : JPMCB CARD Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry
Consumer complaint received 2023-05-04
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-12
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. (TN)

XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX I disputed this because I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. I didn't open this account. I disputed this with XXXX XXXX and Transunion, yet it has not been removed or resolved.
Consumer complaint received 2022-07-29
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. (IL)

I am sending a complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof and the following accounts on the credit report are incorrect.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$14.00} XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} ;
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

I refinance my home located at XXXX XXXX XXXX XXXX CO XXXX back in XX/XX/2019. I have made all my payments on time until I was told that my escrow account was negative $ XXXX. I called my mortgage servicing company and after many hours on the phone was told that I was doubled charge for my hazard insurance. Then I was notified by the county that my taxes for the previous year were never paid. I sent the notice to the servicing company and was told that someone would get back with me with a resolution. I never received a call back and now my credit reflects an increase of $ XXXX to my loan balance. I called the servicing company again and still no resolve. 

The mortgage company information is listed below. 

Shellpoint Mortgage Servicing NewRez LLC dba Shellpoint Mortgage Servicing XXXX XXXX  XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX My Loan ID : XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

Hello, On XX/XX/2021 Initiated a live chat on American Express 's website and request to transfer XXXX points to my linked XXXX airline account. Upon agreeing to the disclosure, the points were successfully transferred. However, upon viewing the activity page I noticed the agent accidentally transferred XXXX twice, without my consent. 

I attempted to be reconnected to the same agent, but was unable to reach her. I opened a case with the Rewards Department the same day, and they reached out to XXXX to request for the points to be returned as an exception due to their error. XXXX responded on XX/XX/2021 confirming that all points transfers are final and can not be reversed. 

As I've mentioned to several representatives, I don't believe XXXX should have accepted the request to reverse the points transfer. American Express needs to recognize that there are policies in place for a reason, and once a transfer is submitted it can not and should not be reversed by the airline, regardless of whose mistake the transfer was. 

I am asking that American Express take responsibility for their error, and credit me XXXX rewards points as these were removed from my points balance without my authorization and placed into an airline account which I have no intent on flying with in the next few years, prior to miles ' expiration. 

Thank you
Consumer complaint received 2021-04-12
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. (NC)

I previously sent a dispute letter to Experian and XXXX  dated XX/XX/XXXX, letting them know that I was a victim of identity theft and the XXXX XXXX XXXX  charge/offs needs to be removed, but neither Bureau hasn't yet responded after 30 days, so now I'm filing this complaint because, federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2023-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

On Friday, XX/XX/XXXX, I was informed in an email that all loans serviced by Nelnet would be automatically opted in to electronic notifications, and that if I did not wish for this to happen, I would need to opt out of paperless billing on XX/XX/XXXX. I went to the Nelnet website to opt-out and there were no options to opt out, but under the Manage Paperless tab there was an option to opt in.

I then went to the email which provided a link to the area to presumably opt out of paperless billing. However, this only took me to the Manage Paperless tab where I had the opportunity to opt in to paperless billing. 

I then emailed my concern to Nelnet. On the morning of XX/XX/XXXX, I received a reply thanking me for my email and saying it would be added to a database of suggestions to improve Nelnet services. In response, I once again searched the Nelnet web page ( including the Manage Paperless tab ) in order to opt-out of paperless billing, and once again the only option allowed me to opt in to paperless billing. 

Nelnet plans to implement this on XX/XX/XXXX. Their notice requirements fail to meet federal regulations, and thousands of borrowers who prefer paper statements will be opted in to Paperless Billing as a result of their actions.
Consumer complaint received 2023-02-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I had a HELOC that was sold to Specialized Loan Servicing. I contacted this company for a payoff quote, I paid that amount. 

I called to have the account closed and the lien released, but I was told that I still owed another {$5.00}. When I argued they basically stated that they could do whatever they pleased. So, I requested an email or snail-mail copy of the payoff quote - neither was received. 

I paid off the {$5.00} that day ( XX/XX/2023 ) and called up several times to close the loan and remove all of my personal information from their systems several days in a row. Each time I was put on hold and transferred around until I was told that they didn't have the ability to do that or I was disconnected. 

Today I was transferred 5 times and finally, after threatening to file a complaint with the FTC, I was given to someone who said they did not have to finalize my payment until 15 business days after it was received. As today was the 17th business day I asked her to close the account and release the lien. She said she couldn't because she wasn't authorized. I asked her why it hadn't been done she said " I don't know '' and when I asked why the lien release hadn't been sent to the county, she said, " I don't know. '' I insisted that it be closed immediately and she again refused. I asked her to connect me to someone who could do their job and she said there is no one else in the company to whom I could speak. Apparently, they plan to keep the lien on my account in perpetuity.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax It seems that XXXX  XXXX is reporting to you on XXXX accounts XXXX and XXXX but they want me to give them information, THAT TELLS me that they do not have the documentation to report anything, Documents enclosed as fact
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX has reported my mortgage account 30-days past due when it was not. The account was due on XX/XX/21. Payment was made on XX/XX/21 and posted on XX/XX/21. While payment was late, it was never 30-days late. 

I have attached a statement which shows the date of payment of the mortgage as well as a screenshot of the payment history on my account at XXXX XXXX. You can see on the bottom of the statement where it shows payment due on XX/XX/XXXX and payment cleared on XX/XX/XXXX ( depending on how you count it is 28 or 29 days late ).
Consumer complaint received 2022-07-29
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. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2022 ; XXXX XXXX  XXXX XX/XX/2022
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (NY)

XXXX notified me of an alleged debt with XXXX XXXX XXXX. If did not recognize a debt therefore, I sent the debt collector a letter, and asked for verification of the debt.. XXXX made no additional communication addressing the problem. On XX/XX/2021, I received notification from the XXXX app that my credit report had been updated with Enhanced Recovery Collections. I conducted research on the company and obtained their contact information. I was informed that ERC has been in possession of the file since XX/XX/2021. There was no correspondence regarding this purported debt. I was presented with wrong contact information on file with Enhanced which is why they were unable to contact me. According to what I was told, the search revealed that those were the most established locations and phone numbers. I never resided at the address, and the phone numbers were at least 15 years old. How valid is this debt, if the creditor did not have my address? What happened with XXXX? ERC, did not have the correct information. This tactic impacted my credit report and score. The 30 days have passed. Am I able to send verification of debt letter?
Consumer complaint received 2022-07-29
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to urgently request that you remove an account from my credit report. This account is causing me significant anxiety and stress, and it is affecting my ability to sleep. I have previously provided all the necessary documents to support my request for removal, and I implore you to take immediate action to remove this account from my credit report. I would greatly appreciate your urgent attention to this matter
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc. (GA)

Our loan was acquired by BSI as of XX/XX/2022. Prior to being acquired by BSI we were in the process of going through Loan Modification from COVID relief. The loan modification was almost complete when our loan was sold to BSI. When BSI acquired the loan we were advised that the modification process was completed, however it appears the process has started all over agin. Since XX/XX/2022 our loan has been reporting as more than 300 days late. This was corrected in XXXX when BSI was advised once again of the inaccurate reporting. At that point payments were being made on the account however we were advised that the payments could not be applied towards the loan. We were told by several representatives that we did not need to make payments as the loan modification process was still ongoing and we were still in forbearance. All documentation was sent to BSI as requested to complete the modification process, and were confirmed as received. We have been advised that the credit was in fact reporting incorrectly but that it would be updated. This was as recently as XX/XX/XXXX. AS of XX/XX/XXXX the report is now reflecting that we are {$17000.00} past due. This has caused a significant drop in our credit scores with all three major credit bureaus. According to BSIs mortgage portal we are 330 days past due. They are reporting to the credit bureaus that we are 180 plus days past due. Both of which are discrepancies. According to their site as well our modification is complete. We were told that the VA was giving approximately {$16000.00} to bring the loan current. We have tried to remedy this with multiple different reps with BSI on many different occasions. We have been met with nothing more than rude, condescending agents with attitudes. They are not willing to listen or assist with the issue. We have been told different things by different reps but no one has been actually willing to assist in getting the situation remedied with the exception of XXXX XXXX who we have tried to speak with again but the reps are unwilling to include her in these complaints. Due to the experience that we have had with them, we are shopping for a new mortgage company. However the negative impacts to our credit from the inaccurate reporting is making this far more complicated.