davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

My mortgage is being serviced by Shellpoint and they are responsible for paying my property taxes which was due on XX/XX/XXXX. I received a invoice for payment from my county and I reached out to Shellpoint on XX/XX/XXXX. I communicated with XXXX XXXX and she told me that the personnel handling the taxes did not pay on the due date because my town had extended the payment date to XX/XX/XXXX. After insisting the payment be made immediately she sent me a receipt that the payment was made on XXXX. I received a second note from the county that my taxes were delinquent. The letter was dated XX/XX/XXXX and when I spoke with the county they informed me that the payment was not processed because it was not correct method of payment. That payment was returned on XXXX to 3rd party, XXXX. I contacted Shellpoint and spoke with XXXX XXXX the supervisor who again assured me this will be handled with the 3rd party vendor they use to pay the taxes, XXXX. XXXX emailed me that a check was sent to the county XXXX and he would follow-up to make sure it was received. After not hearing from XXXX I followed up with the county and was told the check sent was not a certified check and was not accepted. I am still waiting to hear from Shellpoint on the status of my tax payment. This very late payment is now accruing interest. 
The point of having a mortgage holder pay taxes and insurance is to ensure bills are paid in full and on time. The money was in my escrow and I don't understand why Shellpoint waited to pay my taxes. Is this a scenario where they were trying to use the extended payment period offered by the county because they are illegally moving money from one persons escrow to pay off other peoples debt? I do not trust this company to continue to service my loan and I would like to see an investigation into their business practices.
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Louisiana Recovery Services Inc. (LA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-11-02
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. (TN)

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 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX  Acc # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX acc # XXXX. XXXX XXXXXXXX XXXX acc # XXXX XXXXXXXX XXXX XXXXXXXX acc # XXXX. XXXX XXXX XXXX acc # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which artedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch (MD)

I was sued and did not receive notice of trial and other documents because the plaintiff had the address wrong. Did not receive any information about the debt, if so I would have requested validation. The plaintiff had a default judgement entered. I am requesting the plaintiff to removed or vacate the judgement please information was incorrect. 

Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX Case number : XXXX
Consumer complaint received 2022-11-30
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 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
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Home Credit Corp. Inc. (NC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-08-05
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. (OH)

I have disputed the following accounts # XXXX AND # XXXX being reported as a collection account from XXXX XXXX XXXX and account # XXXX reported as a collection account by XXXX XXXX XXXX. These accounts are reported by XXXX, XXXX and Experian. I have requested the accounts be verified since there are inaccuracies in regard to status of the accounts as well as the amounts supposedly owed. If there is even XXXX inaccuracy, which one is actually reporting correctly? I sent Method of Verification request letters to all XXXX bureaus certified mail which have all been received but only XXXX and XXXX have responded. XXXX sent a letter with confirmation # XXXX dated XX/XX/2022 stating that the XXXX collection accounts for XXXX XXXX XXXX are not reported as a collection by the agency when in fact it is and they also sent a letter with confirmation # XXXX dated XX/XX/2022 simply stating the account is verified. XXXX simply continues to state the accounts are verified. Experian has yet to respond at all. I keep getting the run around and receiving the same repeat letters in the mail simply stating the accounts are verified. If these accounts are verified as claimed, why have they not sent method of verification as requested and who in fact verified these accounts? I am very frustrated with this continuous fight with the collection agencies as well as the bureaus and I would like to have these accounts removed immediately since these companies have failed to properly verify the accounts mentioned above as well as provide proof of method of verification within the time frame required by law. 

XXXX XXXX
Consumer complaint received 2022-08-06
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. (GA)

I have been trying for months to get multiple inquiries removed from my report that happen on the same day from numerous car credit companies that I did not approve and I haven't heard anything back from Experian.
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd. (FL)

The company Philips & Cohen is trying to collect money from me that is not owed. I sent this to them last year and they stopped but now they are back at it. 

Re : XXXX XXXX XXXXXXXX Account Number : XXXX Debt Collectors Account Number : XXXX Dear Phillips & Cohen Associates, Ltd I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter will be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I will turn the matter over to an attorney.
Consumer complaint received 2022-10-19
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. (IL)

Hi my name XXXX XXXX I have serval accounts on my report that do not belong to me also addresses that dont belong to me please update address to XXXX XXXX XXXX XXXX XXXX Illinois XXXX thats my only address please delete any other address thats on my profile thanks
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

I opened my checking account with First Citizens Bank as a result of a promotion they were running. The promotion details included opening a checking and savings account with at least {$50.00} at account opening. Customers would receive {$300.00} as a bonus if they either had {$1000.00} in monthly direct deposits OR had 10 debit card Point of Sale transactions within 90 days of account opening. 

I had 10 point of sale debit card transactions completed by XX/XX/20. The terms stated the bank had 120 days from the time criteria was met to pay the bonus. 120 days from XX/XX/20 is XX/XX/20. There was no bonus posted by that date. I contacted the bank via their website on XX/XX/20 and was not given any assistance.
Consumer complaint received 2020-08-14
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: AMERICAN EXPRESS COMPANY (GA)

I have a loan with XXXX XXXX XXXX, AMEX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, AMEX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-07-11
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. (NC)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' so if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. they never did a fair investigation according to the 15 USC 1681.XXXX XXXX also sent me a letter stating " There is no bankruptcies reporting on my credit report. 

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigate consumer report '' means a consumer report or potion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. states I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Open Dealer Exchange, LLC (NY)

According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Consumer complaint received 2020-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

I received a SBA loan for my XXXX. JP Morgan Chase bank is holding my funds because they stating that the funds was deposited into my personal account. I was told that is that is not legal and I would have to obtain a letter form a lawyer or cpa stating my business is legit. I provided them all the documents I submitted to SBA as well as my contract from SBA They told me this is not sufficient. I contacted SBA that told me that this is not illegal. I went into a branch talk to a banker and explain to them what SBA expressed to me but they stated its nothing they can do. They are now in the process of closing my and the funds will just stay there until whenever. My daughter 's high school account is restricted too. They will not allow her to get her neither. I need to pay my employee and not able to. I feel this is part of Systematic Racism and they are giving minorities a hard time. I have been a customer of Chase bank since XXXX. 

Date : XX/XX/XXXX
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Westcreek Financial (NJ)

ok this is what happens I lost all my documents about a year ago and at one point I was withdrawing money from my card I reported it to the bank and they never took me out again and now I go to XXXX and it tells me that I have a car loan of XXXX I have never used my credit for anything this is the name of the company WEST CREEK FINANCIAL XXXX
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One Quick Silver Card Executed balance transfer on XXXX XX/XX/2022 for {$5600.00} with option to receive check. After weeks, check never received but {$5600.00} added to my balance. When I advised Capital One, was advised they would send new check. After weeks, second check never received and {$5600.00} still added to my credit card balance. XXXX XX/XX/2022, I advised Capital One to cancel the transaction and credit my account. 14 days later I am advised they final executed a stop payment. I am now told it will be 90 days for my account to be credited for the {$5600.00} charge. This will be after the holidays and a grand total of 146 days from initial transaction to fix their issue. This has reduced by credit rating and eliminated {$5600.00} from my ability to charge on the credit card. I have talked to six different Capital One employees and one supervisor to no avail. 

Thanks in advance for any help.
Consumer complaint received 2022-06-06
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: ALLY FINANCIAL INC. (TX)

There are XXXX ( XXXX ) inquiries appearing on my XXXX Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with XXXX and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

On XXXX XXXX I received a check from a company called XXXX XXXX XXXX to participate in a paid adverting program. The program was to pay me weekly to advertise their company on my car for 3 months. I was to receive the check ( in amount of {$1900.00} ),  deposit it, keep my portion of {$450.00}, and pay the remaining to the company that will was my car. On the day of XX/XX/2020 I called my bank BBVA COMPASS to speak with the fraud department to see if they can check to make sure the check is legit and not fraudulent. The employee I spoke with advised me they are not able to check but informed me that at the worst the check would be deducted back out my account it is not a legit check. He also informed me to contact the bank on the check ( XXXX XXXX XXXX ) to confirm funds and to give myself peace. On XX/XX/2020 I called XXXX XXXX XXXX ( listed on the check ), to confirm the check is not fraudulent and to make sure funds for the amount were available. The employee I spoke with confirmed that it was a legitimate check and the amount of funds in the account would cover the check. As the check continued to show as " pending '' in my account I stayed in contact with the XXXX company to keep them updated on the process. On XX/XX/XXXX, I received a return check for the check amount in addition to a {$15.00} return check fee. I received another return check on XX/XX/2020 for the check amount and additional {$15.00} return check fee again. On XX/XX/2020 I reached out to my bank BBVA again to ask fo clarity and was treated as to I was trying to deposit the check over and over. Which I was not, hint the reason of me calling. I was later transferred to the fraud department that treated me as if I did something wrong. My account with the check deposited in and my personal account I share with my husband was then froze and currently still is by BBVA Compass. That is why I asked both banks in the beginning was everything ok not fraudulent with the check. On XX/XX/2020 BBVA Compass deducted {$1800.00} out of my joint account I share with my husband ( which is not the account the check was deposited in ) and deduction {$170.00} out of the account the check WAS deposited in.
Consumer complaint received 2022-12-15
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX Owed : {$660.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Owed : {$350000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

My chapter XXXX bankruptcy was completed in 2011. It will be 10 years in a few months since this item on my credit report will be displayed as active. From my research ; Ive learned that this type of bankruptcy will only remain on my credit record for 7 years. Ive disputed this item more than 5 times in the last two years and they refuse to remove it.