davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NC)

We had an alarm system with XXXX and we had a dispute with XXXX and they said that they were apart of XXXX and that we had to pay our XXXX XXXX bill that they wrongfully billed us for and threaten to close my account and charge me as if I left my contract which is untrue because i tried to pay them the money but they would not take it and said they would have to turn my alarm system off. Which is unfair because when we signed a contract they had nothing to do with our separate dispute with XXXX XXXX. We did not inter our contract with the alarm with XXXX XXXX   it was with XXXX and they are trying to collect something that has nothing to do with them. So we tried to pay them as I said but they did not take our money and I feel like how you gon na charge us to cancel the contract when you guys cancelled our contract without our permission so that is they fault because I cant make they take my money.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am contacting you because XXXX keeps on reporting false information on my credit report and it is causing tremendous problems for me. I have been trying to fix this problem on my own non stop but as soon as I fix it they add another fraudulent credit inquiry to my report. I don't know if it's a XXXX issue or what but I always pay my bills on time and experian for some reason keeps adding credit inquiries to my report in order to drop my credit score when they don't even belong to me. I am XXXX and a victim of identity theft and XXXX has been told that a number of times but they keep adding inquiries to my credit report anyway even though I tell them it's fraudulent and have provided proof. I am sending my police report again please make them remove these fraudulent credit inquiries and adjust my credit score to where it should be. This company needs to be investigated because they keep false reporting and I feel like I am being targeted because I am XXXX and XXXX.
Consumer complaint received 2018-03-28
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. (NY)

I am contacting you because experian keeps on reporting false information on my credit report and it is causing tremendous problems for me. I have been trying to fix this problem on my own non stop but as soon as I fix it they add another fraudulent credit inquiry to my report. I don't know if it's a XXXX issue or what but I always pay my bills on time and experian for some reason keeps adding credit inquiries to my report in order to drop my credit score when they don't even belong to me. I am XXXX  and a victim of identity theft and experian has been told that a number of times but they keep adding inquiries to my credit report anyway even though I tell them it's fraudulent and have provided proof. I am sending my police report again please make them remove these fraudulent credit inquiries and adjust my credit score to where it should be. This company needs to be investigated because they keep false reporting and I feel like I am being targeted because I am XXXX and XXXX.
Consumer complaint received 2018-03-16
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: BARCLAYS BANK DELAWARE (SC)

Barclay has far to many hoops to resolve this credit card purchase trial and accept disputation as the way to resolve the issue. I tried the sftware last year, did not like it did not renew. Now it is on my card and Barclays will not accept my claim that I do not want the software.I never do automatic renewals. The type of fraud is quite frequent and certainly is known to Barclays.
Consumer complaint received 2018-03-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Discharge of Third Deed of Trust with XXXX XXXX XXXX. In violation of California Code, Civil Code - CIV 2941 ( c ) and ( d ). ( c ) For the purposes of this section, the phrases cause to be recorded and cause it to be recorded include, but are not limited to, sending by certified mail with the United States Postal Service or by an independent courier service using its tracking service that provides documentation of receipt and delivery, including the signature of the recipient, the full reconveyance or certificate of discharge in a recordable form, together with payment for all required fees, in an envelope addressed to the county recorder 's office of the county in which the deed of trust or mortgage is recorded. Within two business days from the day of receipt, if received in recordable form together with all required fees, the county recorder shall stamp and record the full reconveyance or certificate of discharge. Compliance with this subdivision shall entitle the trustee to the benefit of the presumption found in Section 641 of the Evidence Code. ( d ) The violation of this section shall make the violator liable to the person affected by the violation for all damages which that person may sustain by reason of the violation, and shall require that the violator forfeit to that person the sum of XXXX XXXX dollars ( {$500.00} ).
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-10-12
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 have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Because of my consistently low bank balance and foreign sounding name, I have been discriminated when the bank uses banks " security '' policies, rules and regulations to harass, threaten and fine me into dismissal if I don't pay unsolicited or unpublicized fees and fines simply because I don't purchase the kinds of products that earn the bank more revenue. 

Although I have registered many complaints about how after years of paying excessive fines/fees that were never advertised or disclosed when I opened the accounts, the customer service is poor and sometimes illegal ( because of various data breaches and poor technology services that keep me from accessing my money in a convenient manner ), I have put up with this because of the administrative hassle of changing banks, and as a result have been a loyal and a legally abiding customer for years. 

Yet, because one client gave me one fraudulent check, I was being threatened in a hostile tone by one customer service with the prospect of being discharged from the bank for being deemed " at risk ''. I have been talked down to in unprofessional, informal manner and gaslighted and forced to take the blame for " allowing '' myself to receive a bad check even though I was the victim. 

I am a business owner and often have to assume risk that some checks might be bad. It doesn't mean that I should be treated like a common criminal like this company treated me as as retaliation and harassment for passionately complaining about their illegal and profit scheming practices the day before. These threats and this harassment to discharge me is not only discriminatory, but has systematically resulted through years of non-advertised fines and fees.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2024-08-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (WA)

My mortgage payment statements through NewRez, LLC, dba Shellpoint Mortgage servicing, are quite often late in coming to me, however this is the latest they have been. On XX/XX/year> I called to ask about the late statement for my XXXX mortgage statement. On that call, the man I spoke with stated that the statement had been mailed on XX/XX/XXXX and then blamed the postal service for late mail. On XX/XX/year>, after I had still not received my statement, I called again. This time, a different man stated that no statement for XXXX XXXX., was shown to have been generated yet. When I asked why this was, he said he did not know and that he was unable to find out. When I asked who could tell me this information, he stated he was not able to provide me that information as his department did not communicate with the department that generated statements. When I asked how was someone held accountable, he had no answer other than the standard compartmentalized statement that he was unable to communicate with the department who handled the generating of statement ; instead he continued to say that he was " sorry. '' As of yesterday, XX/XX/year>, I still have not received my XXXX mortgate payment statement. 

When I asked for the payment mailing address so that I could send my XXXX payment, the man I was speaking with provided me the wrong address. I was able to find the correct address on papers that I had in other files.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

My car was wrongful repossessed by Westlake financial in XX/XX/2017. I was under the impression that I had paid off all my principal debt for my car. I was told a specific amount to pay by their collection agent and I paid that amount using my debt card in XX/XX/2017. The agent told me that I would only have the late charges remaining but I could pay the late charges a little bit at a time, but my car would not be repossessed. 
The day my car was repossessed, Westlake didnt have the information right away. Once they confirmed the repossession, I asked them why and told them they didnt have a right to repossess my car. Thats when they told me I had XXXX left in principle and late charges. I asked them to review the call from the agent but they refused. 
I then reached out to their leadership but they were very little help ; the complaint mangers response time to my emails was horrible. It took the manager days to response and when she did, she offer very little information or assistance. 
After I realized Westlake was not going to give back my car, I asked for a settlement to help with the charges. Westlake agreed to accept less but said it had to be approved by a manager. I waited over 5 days for a decision only to be told, they could not accept because my car was worth more than the settlement and they could get the full balance if they sold my car at auction. I was shocked and disgusted that this rep was telling me this. I feel this is unfair treatment, had I not had equity in my car Westlake would have been more than happy to accept less. And again I mention Westlake offered me the settlement. 
Now I have repossession on my CBR and I feel it is wrongful reported. I did not receive a letter of default or stating my car was in jeopardy of being repossessed. I want the repossession removed and I still have not received my title for my unit.
Consumer complaint received 2018-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK ()

Discover, the company managing my student loan have raised interest rates from 2 percent to 5 percent, informing that my repayment period ( monthly have increased ) and that now I have 25 payments left. 

First information was this loan will be paid on XX/XX/XXXX, then XX/XX/XXXX and now info says I have 25 payments left. 

I need transparency regarding my loan balances, informing in a detailed way why they have increased interest rates so many times and why the have increased my payments period.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (AL)

I have been calling Shellpoint Mortgage and leaving a voice message for XXXX XXXX for more than 1 week requesting him to call me because ShellPoint Mortgage has been reporting my mortgage late after the date of which they foreclosed on my home at XXXX XXXX XXXX, XXXX XXXX GA XXXX. The date of foreclosure was XX/XX/XXXX and they are showing late payments after this forclosure date. This is affecting my ability to get another mortgage. I starting calling XX/XX/XXXX and have called everyday for 1 week. We also sent an email XX/XX/XXXX to Shellpoint and received a message has been read but no response from Shellpoint Mortgage. I am attaching documents that prove my points. Thank you.
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

HSBC BANK HAS HIRED DIFFERENT DEBT COLLECTORS TO COLLECT ON A DEBT THAT WAS DISCHARGED IN BANKRUPTCY IN XX/XX/XXXX. I HAVE BEEN THREATENED AND TOLD I AM A PIECE OF XXXX. THE LATEST ONE STARTED ON XX/XX/XXXX FROM XXXX XXXX. I ADVISED THEM THAT THIS WAS DISCHARGED IN BANKRUPTCY AND THEY DIDNT CARE. THEY CALLED ME ALL SORTS OF NAMES AND THREATENED TO SUE ME.
Consumer complaint received 2018-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Credit Resolution, Incorporated (CA)

I am writing about a company called ACR ( http : //www.acr12.com/ ). I received a text message from a telephone number local to the area where I live ( ( XXXX ) XXXX ), to my cell phone stating : 'Failure to respond to this collection notice will result in account escalation. Call ACR XXXX to resolve this delinquency. This is from a debt collector. ' I called the number included in the text message, which was a call service, and was told to go to the ACR website and enter my claim number.

I am unfamiliar with this organization. I have no idea how they got my telephone number and why they are contacting me via text message - which I did NOT authorize - about an unspecified debt. I filed a complaint on their website as well. As I understand it, according to the Telephone Consumer Protection Act of 1991, this action may be in violation of my rights.
Consumer complaint received 2018-03-28
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. (FL)

I have hard inquiries on my report that I have no knowledge of authorizing : XXXX : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX TRANSUNION : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I may be a victim of identity theft.
Consumer complaint received 2018-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Check Resolution Inc. (OH)

XXXX XXXX left a very threatening message on my work voicemail that I have saved. I have faxed and emailed Cease and Decease letters to NCR so I left a voicemail invoking this. But they are still calling work and family members
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

My daughter leased a car and I co-signed through a dealership. GM Financial financed it. When the lease was up we went to the dealership and she decided to purchase the car. The lease was paid off by the dealership and she financed through a bank. More than a month later we both realized that our credit scores plummeted. Come to find out GM financial had reported a late payment. Through many calls and emails between the dealership and GM, after GM tried to blame the dealership it was discovered and proven that it was a mistake that GM made. Every time I try to find out why our credit is still not fixed after 2 months GM basically said it was fixed. They also said they were sending a letter for us to use if necessary admitting their mistake but it has not been received in the past 20 days. When I called they said it must have been lost in the mail. This company has the worst customer service I have ever dealt with and lying seems to be the norm. After looking at all the reviews online at consumer affairs I dont understand how they can still be in business.