davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-05
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. (FL)

I have tried and tried to get Experian and my creditors by disputing through both to correctly report the accounts that were in bankruptcy. I noticed that XXXX and XXXX have made more of an effort but Experian has not. My spouse is having the same issues with Experian. Our Ch XXXX discharged. Post discharge, creditors are not allowed to report us a having a balance due or late. I have attached some print screens of my credit report with Experian report as of XXXX. They are telling me that I have 6 negative and delinquent accounts with bad payment history affecting my credit score. How can this be when 100 % of my debts were included in my Ch XXXX bankruptcy ( except the older, good credit ones that were paid off prior to our filing on XX/XX/XXXX ).? I have attached a discharge letter, claims history, and other evidence. If you will note, XXXX XXXX XXXX XXXX is showing a failure to pay in XXXX ( see the red FP ). They are not allowed to show me late in XXXX. You cant show lates or balances past my petition on XX/XX/XXXX. I have the legal right to open my bankruptcy case up again and file injunctions against all XXXX credit bureaus and every single one of my creditors, as they are all in violation of the bankruptcy discharge order. Might I remind them there is case law to support my position and claims : There is case law to support this : XXXX vs. XXXX XXXX XXXX and XXXX, XXXX ( Bankr. XXXX ). Here, the court relied heavily on two of my cases, XXXX XXXX XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX  XXXX ( Bankr. XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX XXXX ( Bankr. XXXX XXXX ), This willful refusal to correct my record post-discharge is robbing me of a fresh start. Also, both XXXX and Experian are now refusing to allow me to dispute accounts online. They are requiring me to send in all of my personal information and dispute by mail. This practice should be outlawed as it goes against what is supposed to be their purpose and that is to protect the economic system and the creditors. They are asking us to put everything in an envelope that someone could steal our identity with. I am not going to do this and I am surprised that the banking industry, who loses XXXX every year to identity theft, has n't lobbied against this practice by the credit bureaus. I will NEVER be putting my social security card, drivers license, birth certificate and other requested identification into one envelope in the mail. That is not only the stupidest thing anyone has ever asked me to do but also a risk that I should not be asked to take and the credit bureaus should be obliged to handle my disputes regardless of this.
Consumer complaint received 2017-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

My parent 's house had gone in to default as my father is a  XXXX  veteran struggling with  XXXX   XXXX . I decided to pay their mortgages to make them current and called SLS to get a pay off amount. They gave me the amount of {$10000.00} and wiring instructions to their account at  XXXX   XXXX  ; they informed me that the money had to be wired by Monday. I completed the wire transfer on Friday at my local  XXXX   XXXX   XXXX   XXXX  and thought all was well. A week later, SLS sent a letter listing the home for sale. In the following two weeks, they have refused to admit they have received the money and are also refusing to look for it. They have stolen {$10000.00} and are going to take my parent 's house without even attempting to look for this money.
Consumer complaint received 2017-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

I am requesting monetary damages for all the violation Shellpoint has committed since taking over the servicing rights from  XXXX  back in  XXXX  of 2016. Since then, Shellpoint has mismanaged my loan account and failed to apply payments towards my mortgage PITI but instead, they have been applying to illegal fees and letting the funds to sit in the unapplied account instead of applying towards my loan balance. Please see the attached complaint.
Consumer complaint received 2017-08-06
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. (TX)

This is my 4th attempt at getting this resolved with Equifax. I have notified them via 2 CFPB complaints AND via certified letter ( USPS ) that the phone number listed on my fraud alert is over 10 years old and they have not updated this information.
This has stopped me from obtaining any new accounts over the past 4 months.
Consumer complaint received 2017-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

The debt is not been collected by collection assigned by Macy 's because they do n't have no record of {$280.00} and {$540.00} as collection stated to Federal CFPB.
Why is Macy 's still trying to collect a debt that is not owed?
I have requested a proof of my application and evidence that credit card belongs to me but Macy 's Executive XXXX XXXX have n't supplied evidence with my official written signatures.
Not even evidence to CFPA.
Consumer complaint received 2017-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (NY)

I have a Wells Fargo credit card for more than 20 years now. I have not been using for many years and paid on the balance timely for all those years automatically from my checking account. instead of going down somehow my balance kept creeping up. that was not enough for Wells Fargo. they decided to rip me off by abruptly stopping taking automatic min payments and starting to charge me penalty APR and astronomical fees. I never received any calls or letters from them for months and I had no idea that they closed my Wells Fargo account and destroyed my credit report. I did NOT discontinue my automatic min payment, THEY are the ones that stopped taking the payments and posting them to my account. Most of my balance if not all on the Wells Fargo account are their bogus fees and 30+ % interest, my principle bal was probably just a few hundred $ $ if any at all. I tried to negotiate the acc or settle it but I could not get anywhere with Wells Fargo, it 's : pay what we want or XXXX, only threats and harassment. please help me to resolve this.
Consumer complaint received 2017-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control (CA)

In the fall of  XXXX , my wife received pre-authorization for a medical procedure from her medical group,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   ).  The procedure was performed by a subsidiary of  XXXX   XXXX  on  XXXX   XXXX ,  XXXX . THIS WAS A FULLY COVERED PROCEDURE, but we received a bill for the full amount, {$1300.00}.      XXXX  claims the payment was made ;  XXXX   XXXX  claims it was not. Our insurance provider,  XXXX   XXXX  of California has been unable or unwilling to resolve the dispute, despite my wife 's repeated calls over the course of a year and a half -- including three-way conference calls.     On  XXXX   XXXX ,  XXXX , with the bill still unpaid, my wife filed a letter of grievance with  XXXX   XXXX . Again, this produced no conclusive action. The bill has now been sent to a collection agency, who has added interest to the original balance. It bears repeating that this was a FULLY COVERED, PRE-AUTHORIZED PROCEDURE.     This is NOT a small matter of a book-keeping error. It is my firm belief that  XXXX  or  XXXX   XXXX  or  XXXX   XXXX  or perhaps all three are engaged in MEDICAL INSURANCE FRAUD.
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (CA)

We had some problem in  XXXX  due to financial difficulties, however, since then, we have been paying the mortgage on time. In  XXXX   XXXX , we filed for chapter  XXXX  temporarily against some body who filed a lien. we managed to dismiss the case and dismissed the chapter  XXXX  bankruptcy. The mortgage company were not part of the bankruptcy court but we paid them on time and sent the proof to the trustee. However, after dismissing the bankruptcy case, the mortgage company has been harassing us, telling us that we are behind for 2 months, their correspondence is not valid and we have proof that they got paid every month. Waiting for them to correct their info, but they have been refusing. We believe that because of the bankruptcy case, their action is not but harassment, they have been reposting since  XXXX  of this year derogatory on our credit report, and nothing we do or even send them proof of payment for the past 3 years, still, they are so arrogant, bully, and dismissal. This has been causing us tremendous stress, especially they have been threatening with foreclosure.
Consumer complaint received 2017-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Hello my name is  XXXX   XXXX , my phone number is  XXXX . My wife opened a credit card under her social security number with cap ital one, she asked capital one a few weeks ago if she could add an authorize use to the account. I was present when my wife asked capital one and they said she could a dd. My wife asked the representative over the phone that if she added me as the authorize user and if my ssn was needed or was this credit card going to be reported to the my ssn. The representative advised my wife that she was the responsible party for any charges made by the authorize user and that they capital  one did not need ssn, but just the name ( my name ).      Now I am in the process of buying a house and  my credit score was dropped because capital one added my wife 's credit card t o my ssn without my ssn. She did not give the agent my ssn when she added me as an authorize user. I called ca pital one an d try to explain them the situation, but they are unwilling to make the changes to my credit report. They refuse and they are no making me responsible party for a credit card that I never signed up. Please help me. The credit card account that they reported to my credit without my authorization ends with  XXXX . Please help me. As a young couple we are trying to buy our first home, but with my  credit score bei ng reduced by this, I feel I wo n't get the best rate that the bank has to offer. Please help me. I even asked the supervisor  XXXX , ID -  XXXX  to listen to the call when my wife call ed capital one two we eks ago and she only gave my name and not my ssn or date of birth. Capital one just added my wife 's credit card to my SSN without an SSN being provided during the call. I do n't think I am the only person that is having this issue with capital  XXXX  ne. They are trying to cover this by advising people to file a dispute and it should take about 6 months to hear an answer from capital one. The time frame that capital one has pr ovided is unacceptable and I need your help to find a resolution to this issue. Thank You,  XXXX   XXXX .
Consumer complaint received 2017-04-30
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: EQUIFAX, INC. (MI)

I am a victim of identity theft. I have faxed in my police report and they removed inquiries but some was n't removed and also allowing somebody to keep running my credit causing me to get more hard inquiries on my Credit Report.     The dates listed below are inquiries that needs to be deleted and I also requested nothing be ran on my report without my consent.      XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  -   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

All  XXXX  credit bureaus are susceptible to allowing  XXXX   XXXX  to show incorrect information. I 've tried to tell the credit reporting companies and  XXXX    XXXX   a  million  times, that  XXXX   XXXX  debt was SETTLED less than full for a  XXXX  BALANCE. Yet it still sh ows a BALANCE OWED etc.,  which is not accurate.
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

All  XXXX  credit bureaus are susceptible to allowing  XXXX   XXXX  to show incorrect information. I 've tried to tell the credit reporting companies and  XXXX    XXXX   a  million  times, that  XXXX   XXXX  debt was SETTLED less than full for a  XXXX  BALANCE. Yet it still s hows a BALANCE OWED etc.,  which is not accurate.
Consumer complaint received 2017-04-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (WA)

On  X/XX/2017    I made a complaint to my credit card company and they said to stop this card and they would issue new  one,   and look into the charges. I did this and nothing has ever been sent or any more communications have been sent concerning my unauthorized charges on my card for the following : ( Memo : Debit : Signature purchase from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  # CA  XXXX   XXXX  Card ending in  XXXX  {$24.00} {$390.00} and I was under the impression they were fixing this problem but it is not.   {$1500.00}  XX/XX/17    na.wargaming.net  XXXX   XXXX   XXXX    XXXX    {$1.00} {$1600.00}  XX/XX/17     XXXX   XXXX   XXXX   XXXX   XXXX  {$0.00} {$1600.00}  XX/XX/17     XXXX   XXXX   XXXX   XXXX    XXXX   {$1.00} {$1600.00}   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX  {$9.00} {$1600.00}  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  {$29.00} {$1600.00}  XX/XX/17      XXXX    XXXX   XXXX   XXXX    XXXX   {$34.00} {$1600.00} ) I expected more from my card as I have been a customer for some time now. This is frustrating me as i just my money back plus on   XXXX   another purchase was unauthorized for the following (   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX  # CA Posted on   XXXX   XXXX   XXXX     at   XXXX  PM Card ending  XXXX  )
Consumer complaint received 2017-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (MN)

I was previously a customer of XXXX. I cancelled my account and paid the final amount due in full, but an additional amount was reported to collections. XXXX claimed I had XXXX digital set top boxes, and did n't return XXXX of them. At the time, I lived in a XXXX, and definitely did not have a need for or possess more than one cable box. 

When I received a notice from the debt collection agency XXXX referred the bill to, Southwest Credit Systems, I requested that the debt be validated XXXX days after their initial contact. They did not respond, and have not responded to repeated requests to validate this debt. I 've filed disputes with the credit bureaus, but each time they claim the debt is valid based on information that Southwest Credit Systems supplies to them, but has never provided to me.
Consumer complaint received 2017-04-30
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)

REPORTED IN CORRECTLY ITEMS SHOULD BE REMOVED BASED ON FRAUDULENTLY CHARGS OCCURRED I kindly informed all the CREDIT REPORTING AGNCY and the BANKS of my SCAM with   XXXX   XXXX   XXXX   that happened in  XXXX  when the company had Possisions of my card and commited Fraudulent charges on some of my cards Those account now are still reported in Collection and Charged OFF and negatively hurting and harming my credit FICO SORE and CAUSING ME Financial and emotional stress in obtaining loans and a getting approved for a line of credit because of the derogatory marks I called in the Banks Numerous time in the MONTH OF  XXXX  and the Month OF   XXXX   XXXX   and explained to them my circumistances they asked me to call the CREDIT Bureaus and request and early removal of the account I Called the CREDIT REPORTING BUREAS and informed them they ASKED ME TO CALL THE BANKS TIME are PASSING BY and i wo n't be ABLE to be QUALIFIED for mortgage based on my  credit Scor e The BANKS / CREDITORS and CREDIT BUREAUS they put me on hold and transfer me around i SPEND OVER  15  HRS A WEEK every Week trying to resolve this
Consumer complaint received 2017-04-30
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: Experian Information Solutions Inc. (CA)

REPORTED IN CORRECTLY ITEMS SHOULD BE REMOVED BASED ON FRAUDULENTLY CHARGS OCCURRED I kindly informed all the CREDIT REPORTING AGNCY and the BANKS of my SCAM with ECG Debt SETLMENT that happened in  XXXX  when the company had Possisions of my card and commited Fraudulent charges on some of my cards Those account now are still reported in Collection and Charged OFF and negatively hurting and harming my credit FICO SORE and CAUSING ME Financial and emotional stress in obtaining loans and a getting approved for a line of credit because of the derogatory marks I called in the Banks Numerous time in the MONTH OF  XXXX  and the Month OF  XXXX   XXXX  and explained to them my circumistances they asked me to call the CREDIT Bureaus and request and early removal of the account I Called the CREDIT REPORTING BUREAS and informed them they ASKED ME TO CALL THE BANKS TIME are PASSING BY and i wo n't be ABLE to be QUALIFIED for mortgage based on m y credit Score  The BANKS / CREDITORS and CREDIT BUREAUS they put me on hold and transfer me around i SPEND OV ER 15  HRS A WEEK every Week trying to resolve this
Consumer complaint received 2023-08-01
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. (TX)

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 USC 1681.

The letters are stated with items and issues.

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 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 antedates 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Under Section 611 of the FCRA, by Law I did n't receive a Letter Notification of Re-Insertion of Inquiries within 5 days or at all. I called Transunion in reference to their Error in their System and Customer Service did n't take care of it, help me nor Remove the Inquiries on my Credit Report. Credit Inquiries on Report : XXXX XXXX - XXXX XXXX XXXX XXXX, MD -XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX -XX/XX/XXXX I did not Authorize these Inquiries nor autograph my signature on an application to pull my Credit Reports.
Consumer complaint received 2017-04-30
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. (SC)

My credit report is currently showing serious delinquencies for periods during which I have previously requested a forbearance. Specifically these periods are : -  XXXX  thru  XXXX ,  XXXX  ; -  XXXX  thru  XXXX   XXXX .     I have written to the lender many occasions and have not received a response.
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (LA)

On XX/XX/XXXX I sold my house which was under mortgage by Bayview Loan Servicing. The payoff request/statement received from Bayview on the day of closing did not include the last payment that was made on my mortgage ( {$880.00} ). The title company responsible for the closing called Bayview and was told that the last payment had not been included in the payoff statement due to insufficient time between payment being made and payoff request being requested. I was informed that the overpayment would be returned within 21 days. 
It is now more than two months since the closing and I have not received any funds back from Bayview. 
When logging on to my Bayview account online it states that the last payment received was XX/XX/XXXX. This is the date when the second to last payment was posted. So it seems like my last payment which cleared on XX/XX/XXXX, is missing from their system. 
In XX/XX/XXXX I had a similar experience with the same mortgage company. All payments were made on time but still Bayview claimed that one payment was missing. I provided documentation of all checks to them clearing the bank, but Bayview refused any wrongdoing. After I filed a complaint with the Consumer Financial Protection Agency they finally admitted that the mistake was on their part and that they accidentally had posted one of my payments incorrectly. The funds was finally returned to me. 
It seems to me a similar situation has occurred again. I have documentation that the last check on my mortgage cleared on XX/XX/XXXX, but Bayview claims the last payment received was XX/XX/XXXX. 
Due to my house being under a bond for deed contract the mortgage payments have not been made by myself directly, but though a company called XXXX. XXXX have provided me documentation of the last checks to clear the bank. This will be attached to this complaint. 
I am surprised and appalled that a mortgage service company can do this kind of mistake multiple times and wonder if it is due to incompetence or if the company is trying to defraud their own customers for personal gain.