davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I was alerted that there were substantial changes to my credit report, reading 2 late payments on my XXXX XXXX Credit Cards. I had set up Automatic payments so I attempted to resolve the issue with XXXX XXXX Directly. They refused to change any reports. I contacted the credit reporting agencies XX/XX/XXXX and again XX/XX/XXXX to resolve the issue and I included copies of my credit card statement that reflects a payment made and bank withdrawals along with my letter of complaint. Of the three bureaus only XXXX corrected the mistake ( XX/XX/2020 ). I contacted XXXX XXXXXXXX again and opened another dispute after speaking with a representative XX/XX/2020 who confirmed there were no missed payments on my record and opened a dispute for me to have them removed. I received a letter dated XX/XX/2020 stating they are not inaccurately reporting my information and they will not change how they're reporting my account. 
I have copies that reflect payments deducted from my XXXX XXXX bank account onXXXX and the XXXX   XXXX credit statements showing payments were received. 
Additionally I have copies from XX/XX/2020 showing payment deducted from my XXXX XXXX  account and credit card statements from XXXX XXXXXXXX showing they also received that payment as well. 

I called today to address my concerns with them directly that this is not an accurate reflection on my credit report as I have been making HIGHER than the minimum payment for almost the entirety of my time with them however they stated that they cant do anything to correct it as " this is the policy '' telling me that I need to file another dispute. I asked to speak to someone in their XXXX XXXX Credit Bureau Resolutions sector but they said there is no person I can speak with, only to submit another letter. Seeing as I have filed 2 disputes already with XXXX XXXX and 2x already with Experian, 1x with XXXX and 2x with XXXX I don't believe filing another dispute will be effective. 

This misinformation has been detrimental to my credit, so much so that it dropped my score almost XXXX. I was not able to secure a loan on the home that I have been working to build and buy. It's horrible that a company would be so reckless and such disregard how their policies effect peoples lives.
Consumer complaint received 2020-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Agency of Credit Control (CA)

This company refuses to provide LEGAL DOCUMENTATION SHOWING MY FULL PAYMENT from 2017 is reflected in their statements and does not satisfy the bill. 

They refuse to provide this as is required by the fair credit reporting act and continue to abuse the system. 

XXXX XXXX has said this satisfies their request however the debt is not with them any longer.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

My mortgage was transferred over to Shellpoint Mortgage Servicing in XXXX of 2020, and since then, in 8 short months, I have had more headache than I have had over the past 12 years I have lived in this house. 

First complaint is regarding communication, and that manifests itself two fold. For one, there is a lack of consistent and competent representatives when calling. It feels as though it is the luck of the draw when calling, as you never know the service you will receive. Secondly, there is insufficient time provided whenever their is change in your mortgage payments ( example provided in detail below ). So whether it is written or verbal communication, there seems to be a lack of clear and thorough thought process that they seem to follow. There is a clear lack of consistency in service, which has not only cost me a headache but now they are wanting to charge me fees. 

Example : - I was sent a letter on XX/XX/XXXX, expressing that my mortgage payment for XXXX will increase due to the evaluation of the escrow. The increase was significantly larger than usual, so looked closely and discovered that they had not taken my tax exception into account. I immediately reached out to them and a representative explained that they do not have the exception letter on file and I needed to resubmit the letter from my local government. However, the issue was that the presentative said that it would take 6 weeks to process the letter ; perplexed by the timeline, I expressed how I am given a notice only five weeks prior to a payment but required 6 weeks to process amendments. The representative promised an expedited process as long as I provide the necessary documents, which I provided the documentations the next day. In mid XXXX, I received a letter with the reevaluated escrow ( with the tax exceptions ) and was given a new payment amount, in recognizing the difference between the amount paid in the first of XXXX and what I owed since the reevaluation, I made a secondary payment for the difference. Yet I am now charged with a late fee for the month of XXXX because according to their representative I was short in my payment for XXXX. When I tried to explain the situation with the representative, I was told I must write a complaint letter to the loan services department in order to contest the fee, and as you can imagine that also would take weeks upon weeks. 

I followed their direction, but after looking into the company and reading many complaints that are similar to mine, I am alarmed at how many people the company is trying to take advantage off, an error from Shellpoint should not cost its customer any more let alone, let their error lead to fees and charges because the timeline provided does not allow people to write wrongs. This should be illegal, but definitely is immoral.
Consumer complaint received 2020-10-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

In XX/XX/2019 took out a title loan for {$3000.00} with XXXX. over the year I have paid {$2600.00}, however, XXXX is saying that I owe {$4500.00}. I feel that their practices are suspicious and unwarranted. 
I continue to make payments but my balance is not going down.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PREFERRED CREDIT INC (CA)

I am currently having an issue with Preferred Credit. I called them back in XXXX to find out what this account was for. They informed me that though it was for an old vacuum, they were not collecting this debt. When I asked why there is a balance and why it is even on my credit report, they couldn't tell me. The representative spoke to a supervisor and then told me they had nothing to do with this account anymore and it was sent back to the distributor. I even spoke to the supervisor myself and they told me the same. I then disputed the account with the credit bureaus. I never received a response from the credit bureaus or Preferred Credit. I checked up on  my credit again at the beginning of XXXX and the account IS STILL THERE AND STILL HAS A BALANCE. Credit reporting IS an attempt to collect so Preferred Credit should have removed this account.
Consumer complaint received 2020-10-14
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: Bread Financial Holdings, Inc. (NY)

I called comenity LLC to ask them for the 5th or 6th time not to charge my Bjs credit card for the membership fee and to shut the account down. 
My family hasnt been to Bjs in over a year even though I asked these companies not to charge me anymore were still being charged.
Consumer complaint received 2020-10-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION (IA)

To whom it may concern Please may I request your help in resolving a  dire situation. On XX/XX/2019 I purchased a vehicle from a illegitimate auto dealership titled XXXX XXXX  in XXXX  XXXX Wisconsin. The dealership was forced to close shortly after I purchased the vehicle in question.The dealership has now moved to XXXX Wisconsin as their headquarters. The issue in question here is the vehicle was sold fraudulently. The automobile has required upwards of {$20000.00} in necessary repairs. More importantly it has been brought to my attention by the XXXX dealership of XXXX Minnesota that the automobile has been in a major head-on collision ever disclosed. I am involved with a lessor that the dealership is involved with known as Regional Acceptance Corporation that has confirmed to me that my lease terms are for 7 years duration as I was never reviewed the details of the lease nor was I ever given paperwork. The dealership at the time stated to me that their office would send forth all paperwork never to be received. furthermore it has come to my attention that the odometer in the vehicle has been tampered with and was possibly disconnected for a duration of time. I have attempted to negotiate with both the dealership and the lessor to no avail.I have requested to voluntarily surrender the vehicle only to be threatened with a charge-off being reported to all three credit bureaus. This entire transaction was illegal. The vehicle was entirely misrepresented. I have reported the dealership to the Wisconsin Dealership Complaint Board as well as to the Iowa Attorney General, the Wisconsin Attorney General and the State of Wisconsin Consumer Protection Bureau.All service records pertaining are available for review. Thank you.
Consumer complaint received 2020-10-14
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. (NJ)

Hey I noticed a bunch of hard inquires on my credit report that is an accurate i have send over 2 pictures of them so you guys can see. I got a total of 8 hard pulls 4 from XXXX  and 4 from XXXX i have sent the you the pictures below they are all inaccurate. I would like them all removed from both companies listed above, experian and any other credit reporting service. If you have any questions please call me. I did apply for any of these things or deal with these companies. I just want to fix up my credit so it is accurate thank you
Consumer complaint received 2020-10-14
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. (CA)

My account with Experian has been compromised ( i.e. hacked ). When seeking to login to their service using my credentials, I am unable to do so. When I access " Forgot Username '', it indicates that an email with my username has been sent to an email address not associated with me and that I do not recognize. 

I've repeatedly tried calling the only phone number they have listed ( XXXX XXXX XXXX ) for assistance with this matter, but there is no ability to speak with a live person to help resolve and there are no automated prompts to address the issue I've encountered. I've subsequently sent email to XXXX and while I initially received a reply requesting additional info to verify my identity, I've not received a further response back from the company. This issue remains outstanding and there appears to be no way to get in touch with someone who can assist in this matter.
Consumer complaint received 2020-09-19
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Selene Holdings LLC (OH)

During my divorce my husband did not follow through with signing a quit deed for our marital home. we went to mediation with the courts and mortgage company where he agreed to sign it. He was given a date to sign by or our house would go up for auction. The house did not sell at auction however they listed the house and it sold. Since that time we have never received any calls or written correspondence for the home regarding the amount it sold for versus the amount we owed. I called Selene Finance to obtain information several times with no return calls. I recently filled out an application for a home loan and when they pulled my credit report there is a Selene Finance for XXXX on it. I have tried calling several times to resolve issue, obtain more information - i have been told the account is closed and they can not provide any information. I have asked to speak to a manager and am told to email them and i would receive a call. I emailed them on XX/XX/2020 requesting assistance. I called their customer service number one more time and the gentleman who assisted me also told me that he does not believe the charge is within Selene anymore as account has been closed, not sure anyone will be able to assist and i can leave an email and i may receive a call from it possibly. When they purchased our loan we had trouble t=with them from the start reporting late payments when indeed we paid and they had cashed the check, counting payments late although they were paid on time. We had the hardest time of getting a hold of anyone within the company at that time as well. 
Could you assist me in trying to obtain information on this derogatory mark on my credit score that is holding me back from purchasing a home. I would like to resolve the matter. thank you. 
XXXX XXXX
Consumer complaint received 2020-10-14
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: EQUIFAX, INC. (CA)

To : W

hom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX   with ACCT # XXXX opened onXX/XX/XXXX with a bala
nce of {$6300.00} -This is not my account.
Consumer complaint received 2020-10-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I mailed and faxed a dispute letter to XXXX, Equifax and XXXX requesting to dispute negative credit items and inquiries. I never received a physical paper copy of the dispute resolution in the mail. According to the Fair Credit Reporting Act, the credit bureaus are required to respond to claims within 30 days and inform me of the results of it's investigation within five business days or they have to automatically delete every item that I disputed. I waited for 45 days and then mailed and faxed all 3 credit bureaus a NEW dispute letter on XX/XX/XXXX, requesting a copy of the investigation results from XX/XX/XXXX. I also requested that they send me proof of how they verified the items and if not provided within 15 days, that they needed to delete every item and inquiry that was disputed. Again, I never received a response in the mail from either credit bureau. Under the Fair Credit Reporting Act, it is a violation for credit reporting agencies to report inaccurate information about anyone, mixing up one 's personal information with someone else 's because of similarities or same names, social security numbers, addresses, etc. Agencies who fail to follow guidelines for handling disputes will be prosecuted in a court of law. According to FCRA, If you find an unauthorized or inaccurate hard inquiry, you can file a dispute letter and request that the bureau remove it from your report. The consumer credit bureaus must investigate dispute requests. If the furnisher corrects your information after your dispute, it must notify all of the credit reporting companies it sent the inaccurate information to, so they can update their reports with the correct information. No proof of investigation results have been received from any of the 3 credit bureaus. In the event that the credit bureaus attempt to state that they never received the said documents in the mail or via fax, I also included and attached them in previous CFPB complaints that were filed against these XXXX credit bureaus. The CFPB complaint numbers are as follows : XXXX Equifax, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX Equifax, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Equifax, XXXX XXXX, XXXX XXXX, XXXX Equifax, XXXX XXXX, XXXX XXXX. I am demanding that each credit bureau remove, delete, suppress and expunge each negative item, inquiry, incorrect address, name, phone number, employer, public record that I have ever disputed and restrict them from being added back to my report in the future. I am requesting that updated reports reflecting these changes are mailed to me within 15 days of today 's date or I will have my attorney file charges in court. Thank you
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NJ)

I have been a victim of identity theft. American Express was one of the accounts opened by someone using my information. The truncated account number on the bureaus is XXXX. I disputed this as a fraudulent account to the credit bureaus. NOTHING WAS DONE. I received no communication from Amex regarding fraud procedures. It was handled like any other dispute. This is a violation of federal law. 

The account shows an open date of XX/XX/2016. It has a high balance {$1300.00} and an existing balance of $ XXXX..with ONE MONTH OF ACTIVITY and charged off. According to investigators, this is the classic example of how a fraudulent account looks on the bureaus. 

If AMEX does nothing about this ... DOES IT JUST END THERE? 

CFPB needs to publish the glaring inactivity regarding fraudulent accounts by AMEX
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX credit bureau as well as Experian are reporting old account information, old addresses and misspelling of my name that should by law be deleted by now..I hired XXXX to help me with this matter but to no avail the old account information is still reporting threw XXXX and Experian credit bureau
Consumer complaint received 2020-10-14
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. (PA)

I want you to delete this account from my credit report. This account is not mine, i would never ruin my credit this way. Its affecting my everyday life, I'm not able to get insurance or anything. I already try to fix it with the store and they told me they cant do nothing about it and i believe this is very unfair. to have to pay for something that's not mine.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I have no unpaid outstanding accounts with XXXX/XXXX and I am a current customer. 
ICSystems demanded a debt {$380.00} from an old XXXX/XXXX   acct I didnt recall. I called XXXX & paid in full for old equipment charges and they advised they would let ICsystems know in XXXX. ICsystems instead of removing the account misrepresented and are trying to collect a reduced amount of {$150.00}. 
XXXX are trying to collect a fraudulent amount of {$120.00} from XXXX whom confirm i do not owe any money from any accounts. 
It is a continual harassment and too much XXXX they are putting on me during this difficult time.
Consumer complaint received 2020-10-14
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. (GA)

I sent a dispute to have these addresses that are appearing on my credit report, and they still have not been removed, I have sent numerous letters every month about addresses appearing that do not belong to me. The following is incorrect : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX have not lived XXXX these XXXX. My primary residential and mailing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (NJ)

I requested Barclays Card Co. to pay me back {$140.00}. But they never do it. It forced me to file complaint to your CFPB office.

However I never get any answer from your CFPB office Nor any answer from Barclays Card Co. WHY my case was closed very unfairly?
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 XXXX  data breach and may have got into the hands of the wrong person.