davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

Our mortgage is through Shell Point Mortgage. We have our payments taken bi-weekly. They send a letter every month telling us when the payment will be withdrawn and that they need 24 hours to cancel any payments. In XXXX our mortgage would be drafted three times creating an over payment of {$1300.00}. We called two times to cancel this overpayment before this was pulled from our account on XX/XX/XXXX. They assured us they had cancelled the payment and yet it went through anyways and over drafted our checking account. We have called 6 times and emailed 3 times since then to get the overpayment refunded. Each time we are told that it will be refunded just to call back and be told there is no record of our call ( despite being told that we are on a recorded line. ) Our emails go unanswered and despite being told our concern has been escalated, no action ever occurs to fix the situation. It is now XX/XX/2020 and we still have not received any resolution.
Consumer complaint received 2019-05-18
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. (OH)

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX , XXXX , VA XXXX XXXX XXXX XXXX, XXXX , VA XXXX XXXX XXXX CT , XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

I paid my card off to a XXXX balance in XX/XX/2019. I made a new purchase in the amount of {$58.00} on XX/XX/2019. I called and informed Customer Service that I had been sick and could not make the payment as I had been out of work. I was informed that my balance was too low for hardship and I did not have Insurance on the account. Since then I have made 3 payments totaling {$110.00}. I looked at my account and realized that I had more penalties on the account that is 4 times the charges in the amount of {$240.00}. I called back for assistance, I asked the first representative to transfer me directly to a supervisor. She told me that she understood and that per policy she had to make an attempt to resolve the account. She removed one fee of {$35.00} and transferred me. The supervisor ( XXXX ) that I spoke with stated that he could not remove any additional penalties or negative credit marks off my report since the previous agent removed one. I informed him that the previous rep credited {$35.00} as she stated that it was policy and she transferred me so that he could better assist me. 

I asked to speak with someone above him with more authority. He stated that there was no one else and anyone above him would not remove the fees since the first rep removed one. He refused to reverse the first credit to apply more. 

I feel that they know this upfront and applied a credit to avoid adding more. I know that with payments that I have paid the fees could have been taken into consideration as I called before it was this far behind for assistance and was refused, I was not given an option to cure the debt.
Consumer complaint received 2020-04-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

I received a notice via snail mail on XX/XX/XXXX stating I had an outstanding debt and had 30 days to dispute in writing the validity of the debt or it would be considered valid. Also the original amount owed and a discounted amount of 25 % off if I paid in full with in 45 days from date of the notice which was XX/XX/XXXX dated on the letter head. The agency is Commonwealth Financial Systems they listed 2 accounts on the statement XXXX in the amount of XXXX with a discount of XXXX account XXXX with a date of service from XXXX for an emergency room visit. The other XXXX with a discounted amount of XXXX if paid in full within 45 days from the same visit. I paid the accounts in full the day I received the notice. With my credit card one a XXXX  XXXX card the other XXXX XXXX XXXX  XXXX XXXX // which I have provided transaction information below..XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX COMMONWEALTH - XXXX XXXX - XXXX , PA {$880.00} // XXXX  XXXX TRANSACTION XXXX COMMONWEALTH - XXXX XXXX  - XXXX, PA.. 
XXXX {$38.00} I had an alert on my credit score which showed these were reported on my credit on XX/XX/XXXX which is against all credit collection polices as medical bills can not be reported until 180 after debt is received. How should I go about handling this I have excellent credit always pay my bills as I did these and without the 30 day lawful time period that is aloud to dispute debt or respond to a notice of debt from a creditor. This is highly unprofessional I have been paying on a bill from that same visit which the original amount consisted of approximately1900.00 since the day I was notified in XXXX. All of my information remains the same if I received notice of that bill why I am just now receiving a debt notice for others from the same incident, same hospital, and same billing providers is another question I have?
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ive reached out to Bank of America at their only available email address XXXX and they direct me to Please call our customer service number at XXXX XXXX XXXX XXXX XXXX but when you call, after being left on hold, a recorded message plays saying, due to the high number of calls we cant take your call right now. Good bye. And hangs up on me. I have contacted XXXX as well and received no response whatsoever. Two payments have been posted already to which I have no access since I never received a XXXX bank of america debit card.
Consumer complaint received 2020-04-20
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)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE. REFER TO THE SAME ACCOUNT, XXXX XXXX  # XXXX SHOWING DELETED BY XXXX. PLEASE DELETE THIS IMMEDIATELY FROM YOUR DATABASE. 
PLEASE FOLLOW SUIT AND AMEND ACCOUNTS ON MY CREDIT FILE AS THEY WERE NEVER LATE. PLEASE REFER TO THE PAYMENT HISTORY FOR THE XXXX XXXX AND THE XXXX XXXX XXXX ACCOUNTS WHERE THERE ARE NO REPORTED LATE PAYMENT MONTHS. I NEED THESE AMENDED TO SHOW NEVER LATE IMMEDIATELY IN ORDER TO CLOSE MY ESCROW BY XXXX.
Consumer complaint received 2020-04-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tower Loan of Mississippi, Inc. (MO)

On or about XX/XX/2020 Tower Loans ran my credit without my authorization and it caused my credit to have a hard inquiry this company has a judgment against me and no where in said judgement does it give them the authority to run my credit as the judgement supersedes the contract and they did this frivolously during a National Pandemic with the COVID19 going on the entire US is under a federal emergency and our state emergency also they are still attempting to collect a debt during these times is shameful and unprofessional and needs investigated as they violated my rights and the FCRA in doing so Im unemployed as a majority of the USA is and this must be investigated they even told a third party about my debt previously is why I quit paying on it which also violated my rights
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under the reference ( 15 USC 1681c2 ) they did not provide documents ive requested with multiple attempts to resolve the issue for the following account listed below. 


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 2020-04-20
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: CITIBANK, N.A. (FL)

During the past few years, CITI XXXX has reported a credit card that belongs to my roommate under my credit report. My roommate has called them & advised them that the credit card belongs to him. I also called them and advised them of the negative impact that it was having on my credit report. It was affecting my Debt to Income Ratio. That credit card was taken off my credit report. I was NEVER an additional card holder on that account either. Recently, they send new cards to my roommate including one card with my name. He called them and asked them to remove my name from the account. However, since then, because of the personal & business issues he has not been able to pay that credit card. This credit card is being reported under my credit report as delinquent as if I am responsible for the card payments. I want to understand under what authority CITI can report this misinformation that is negatively impacting me personally. This will be the third time they have done so. It seems that there are zero consequences for them and no one holds them accountable for any erroneous information reported. 
I attempted to call them. After being on the phone on hold for over 1 hour, I chose to file a complaint. It seems that filing a complaint has no consequences for them.
Consumer complaint received 2020-04-19
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. (TX)

ftc violations and case that pertaining to my case attached in XXXX of XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2020-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Both my husband and I went through a financial crisis due to a XXXX XXXX he had more than 10 years ago. We were unable to pay our credit card debt and it went into collection. We had 3 credit card through XXXX XXXX, 1 through XXXX and 1 through XXXX ... 5 total. We hit the 10-year Mark since the debt last year. In XXXX we received five 1099 notices advising that the debt had been charged off and we were required to submit it as regular income on our tax returns. Which we did. It's my understanding that they can no longer try to collect that debt once it's been written off AND they have 1099d that debt requiring us to claim it as regular income as a result of bad debt. However all five cards had been assigned to XXXX like 7 or 8 years ago. Again the debt has already been charged off and we claimed it as regular income as a result of bad debt on our 2019 tax return veripro continues to call us. I don't understand how they are able to continue to collect on it when both of those other actions have already taken place. Let 's say we were able to come up with the money to pay them, it would not be fair to us as the consumer to have already claimed it as regular income and then also pay them. We are then being double hit for the debt. We don't have the money to pay them but I don't understand why they are allowed to still call us when the debt has been written off and we claimed it on our tax returns as a result of them 1099ing us all five cards. Please advise how we can get them to stop calling us. Because we each at least five calls per day from these people.
Consumer complaint received 2020-04-19
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. (IN)

On XX/XX/XXXX I filed XXXX XXXX Bankruptcy. According to United States Bankruptcy code all my property became assets of the state and was overseen by the trustee to whom I made my mortgage payments. My bankruptcy was then dismissed on XX/XX/XXXX. All my mortgage payments during this 10 month period were made to the bankruptcy trustee and not to PHH Mortgage. After the dismissal, per bankruptcy code, the trustee then disbursed the mortgage payments to PHH Mortgage on XX/XX/XXXX totaling {$11000.00}. These payments were rejected by PHH Mortgage. PHH has consequently reported me late to the credit bureaus for XXXX and XX/XX/XXXX.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

XX/XX/2023 at XXXX XXXX  I called Westlake portfolio to ask for my contract on my lease on my vehicle and they told me that they did not have a contract for my car and i ask why would i pay someone who I don't have a contract for, and the man stated that will repossess my car. I don't agree with that.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Respected Sir/Madam iI want to report and seek help on XX/XX/2023, there was an unauthorized transaction of {$1500.00} on my account. I did not make this transaction and have already filed a claim, but it was told that i will receive my credit back in 1 business day today its 4th business and i am fooling again and again daily by chase team by telling that tommorow you will get. I received an alert about the transaction and immediately blocked my card and called customer service, but unfortunately, they were not available. After 18 months of hospitalization, I recently started my job and received my first payment of {$1100.00}. I deposited it and went to a car show. When I returned home, I realized that I had lost my wallet and mobile phone. I immediately logged in from my computer to block all my bank debit and credit cards. At the same time, I received an email notification that my card had been used for the unauthorized transaction. I locked my card and called customer service as soon as they opened on Monday to file a claim. However, I received notice that no action will be taken and dispute is fooling me daily. I need my money back as I have already gone through a lot of struggle to start saving again. This unauthorized transaction is illegal and unauthorized. Please help me get my money back.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Sent XXXX XXXX XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, XXXX placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.
Consumer complaint received 2020-04-20
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. (TX)

I contacted TransUnion on XX/XX/XXXX in regards to an account on my credit file named XXXX XXXX XXXXXXXX  Visa. They responded with their generic response that this item is being reported accurately. I then contacted TransUnion again on XX/XX/XXXX requesting that they re-investigate this account XXXX   XXXX XXXX XXXX as being accurate. I advised TransUnion that I had also contacted XXXX  and XXXX with regards to the same account. 

Transunion reports status as Charged Off, XXXX   reports status as Transferred, closed, XXXX   reports this item not currently reporting on the credit file. 

Transunion reports payment history as XX/XX/XXXX OK, XX/XX/XXXX OK, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX C/O, XXXX  reports payment history as XX/XX/XXXX OK, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX CLS. XXXX reports this item not currently reporting on the credit file. 


I asked TransUnion how is it that all 3 major credit bureaus are suppose to report only accurate information, that they are the only bureau that has come back stating this account is mine and reporting accurately. I advised TransUnion that I believe their information to be inaccurate. I asked TransUnion to please send me names, address and phone numbers, who they contacted at the company and copies of documents with my signature showing that I have opened this account. 

I still received the same response that they verified the information as accurate. 
So they want me to take their word for it, however they will not take mine. 

This inaccurate information is jeopardizing my chances with a company that I have applied for a job.
Consumer complaint received 2019-05-18
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: AMERICAN EXPRESS COMPANY (GA)

I have tried multiple times to cancel this amex credit card because I closed my business. Each time I call they say it is resolved, but I JUST GOT ANOTHER STATEMENT WITH late fees and some charge from a vendor I CANCELLED A LONG TIME AGO. these PEOPLE DO NOT UNDERSTAND when I tell them to cancel the card, then a fee is put on it. Some of the conversations are on chat and some are on the phone. Not sure of the dates, but This is going on for months now and they are getting annoying. the last chat I had, they stated I owed some other disputed fee, then they stated the card will be canceled but it still goes on. 
Now my XX/XX/XXXX statement has a fee plus some other amount that should not be on it since it was cancelled months ago.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.