davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
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. (NY)

I have been disputing since XX/XX/2020, an unverified account that's been reporting on my credit report. I never got a response back from the bureaus or any notice that they were investigating my request or even trying to validate it! I sent another dispute on XX/XX/2020 and still, yet again, have not received anything from any of the bureaus validating or investigating this debt.
Consumer complaint received 2021-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

Someone fraudulently used my Comenity Bank Visa card for almost {$400.00} last XXXX, and they wouldn't reverse the charges even though I have a case # with the police, so I stopped making payments because I didn't owe this money. They just called my brother about this debt that I don't owe because someone stole my card #. I have a police report and case number for the fraudulent charges as well as another case # for a home robbery that occurred at the same time. A detective said the cases were likely related and would be rolled into one case. In spite of all this, Comenity bank wouldn't reverse the charges and is now harrassing my brother.
Consumer complaint received 2021-01-20
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. (GA)

I am a victim of identity theft and I have submitted a FTC report along with 605B letter and the credit bureau will not delete inquiries and collection account off my credit report. They refuse to follow the fraud guidelines that they have laid out!!!
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc (TX)

Two fraudulent accounts were opened in my name with Venmo. I requested to have them closed but never received confirmation that the accounts had been closed and are no longer active or being reported to credit agencies in any way.
Consumer complaint received 2021-01-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Pusuant 16 USC 1692a ( 3 ) I am a Federally protected consumer, natural person, and the original creditor. Pursuant 15 USC 1692 ( a ) The Fair Debt Collection Practice Act is intended to protect consumers on unfair and abusive debt collection practice by debt collectors, to inspire that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection practices. Capital One Credit Card Services has been violating me as a Federally Protected Consumer. This includes unauthorized use of my credit card. Capital One Credit Card Services has been using misleading and deceptive forms in an attempt to collect on an alleged debt that is not owed. I have sent them an Affidavit of Truths x2.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NE)

I initially borrowed {$22.00} in federal loans, from XXXX to XXXX. I successfully XXXX in XXXX and the federal student loan program states i owe {$37.00}. In XXXX I began receiving mail from a company called Navient, who states they brought my federal student loans. To date my credit reports show I owe {$78.00} in student loans. Two local banks and two mortgage companies have also confirmed these dollar amounts are duplicated all over my credit reports. In other words The federal student loan program tells me i owe them the {$37.00} dollar amount, while Navient states I owe them these same monies. How in the world can I owe both of them. I have reached out on numerous occasions to both parties with no avail. I never signed anything with this company called Navient and they have yet to show me proof in writing that they are the true holders of such loans. I have 34 marks on my credit report all from this company called Navient. This false reporting is causing significant damage to my credit reports and me personally. I am fully aware the National Student Data Base is never updated the way its suppose to be, and this issue is intolerable. I can not get either party to listen to me or fix this horrible problem I am living with. Anyone with a six grade education can view my credit reports and see these money amounts are duplicated, however no one will make any effort to correct this false reporting
Consumer complaint received 2021-01-21
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: CREDIT ACCEPTANCE CORPORATION (IL)

Credit Acceptance was notified mail XX/XX/2020. That I was exercising my rights to 15 USC 6802 ... 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this sub- chapter, a financial institution may not, di- rectly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a no- tice that complies with section 6803 of this title ... 


B. Opt out of reporting Credit Acceptance needs to stop reporting my installments payment to all 3 credit bureaus ( third parties ) Stop reporting .... 

1681b. Permissible purposes of consumer re- ports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates. 

Credit Acceptance needs to remove themselves from my consumer report.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

Subject : Dispute Regarding Inaccurate Reporting and Request for Resolution Dear CFPB, I am submitting this formal dispute against the following companies regarding their continued failure to update and correct the status of my accounts despite having received ample notice and time to do so : XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXE On XX/XX/year>, I provided written instructions to these companies and the respective credit reporting agencies Equifax requesting that the accounts be updated to reflect the following accurate statuses : Reported Balance : {$0.00} Account Status : Closed/Paid Remarks : Nothing to Show or Resolved Payment History : Nothing to Show or 100 % Paid Amount Past Due : Nothing to Show Despite my written requests and the sufficient time allowed for compliance, these updates have not been made, and my credit reports continue to reflect incorrect information. This continued inaccuracy is causing harm to my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2021-01-21
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. (OR)

XXXX Federal Student loans should be deferred due to unemployment and COVI-19. XXXX continues to report inaccurate information. I have been ignored and my concerns have not been addressed. I asked for unemployed or no income-based repayment. Nothing has occurred
Consumer complaint received 2021-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: eToro USA LLC (TX)

On XX/XX/XXXX I inadvertently transferred {$5000.00} XXXX XXXX XXXX dollars ) to a closed online account i had with eToro USA LLC and I need the money refunded but have not been able to get a hold of anyone at the company. I have called the number listed on the website and it directs me to an answering machine asking I leave a message, I have done that with no response. I have emailed and opened several tickets but i get ignored and sometimes my emails bounce back. I feel like i have been scammed.The transaction confirmation number is XXXX.
Consumer complaint received 2024-08-23
Product: Credit reporting 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. (NJ)

I am writing to express my absolute outrage and to demand the immediate removal of unauthorized hard inquiries that have been reinserted into my credit report without my consent. These inquiries had previously been removed following my legitimate disputes, yet they have inexplicably reappeared. This action is not only unlawful but also a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ) ( ii ).
Consumer complaint received 2024-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have multiple accounts reporting on my credit reports, I'm a victim of identity theft, I have filed a identity theft report, a police report and send in my verification documents and these accounts have not been blocked from my credit report.

I need these items removed from my credit report immediately.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NY)

During the month XXXX, 2020, I contacted XXXX XXXX XXXX  Mastercard to inform Consumer Service Dept. that I was beginning Active XXXX XXXX in response to the pandemic. An initial letter with my first XXXX XXXX orders were mailed around XX/XX/2020. Upon my return, I received a letter that the company could not verify my XXXX XXXX status and orders must be included. The company was contacted by telephone and I spoke with a representative asking for my issue to be elevated to the next level since my order was submitted. A second letter, with my orders and a request for all rights under SCRA be afforded to me was mailed in XXXX, 2020. The response of the company was that my orders were not received and the interest rate reduction and fees were not waivered.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I AM A SINGLE WOMAN AFFECTED BY COVID. 

I HAVE BEEN TRYING TO PAY OFF A MORTGAGE SINCE XX/XX/XXXX. 

SHELLPOINT MORTGAGE SERVICING PROVIDED PAY OFF FIGURES TO ME ON XX/XX/XXXX. THE PAYOFF FOR MY LOAN IS {$170000.00} THE FUNDS TO PAY OFF THIS MORTGAGE ARE FROM AN ALL CASH BUYER WHO IS PURCHASING MY PROPERTY. TOTAL AMOUNT OF THE SALE IS {$190000.00}. THIS AMOUNT CLEARLY IS SUFFICIENT TO PAY THE MORTGAGE IN FULL. THE BUYER IS READY, WILLING, AND ABLE TO PAY OFF THIS LOAN IMMEDIATELY. 

TO DATE, SHELLPOINT MORTGAGE SERVICING HAS BEEN UNWILLING TO PROVIDE THE NECESSARY INFORMATION TO THE CLOSING ATTORNEY/TITLE COMPANY IN ORDER THAT THE LOAN CAN BE PAID OFF. 

BECAUSE OF XXXXXXXX XXXX INACTION, I AM AT RISK OF LOSING THE BUYER WHO WILL NOT WAIT FOREVER. ADDITIONALLY, SHELLPOINT IS CHARGING ME INTEREST FOR EVERY DAY. 

APPARENTLY SHELLPOINT MORTGAGE SERVICING NEVER TRANSFERRED OR RECORDED THE TITLE/DEED FROM THE ORIGINAL LENDER. ACCORDING TO COUNTY RECORDS, THE MORTGAGE LEIN IS WITH THE ORIGINAL LENDER WITH WHOM I OBTAINED THE ORIGINAL LOAN. THIS LOAN WAS SUBSEQUENTLY TAKEN OVER BY SHELLPOINT MORTGAGE SERVICING. 

WE HAVE EMAILED, SPOKEN TO, AND LEFT MANY MESSAGES FOR OUR DESIGNATED CONTACT AT XXXX. I HAVE EMAILED THE CEO, THE CEO OF SERVICING, THE COO, AND THE CORPORATE ATTORNEY OF SHELLPOINT. 
TO DATE, I HAVE RECEIVED NO RESPONSE. 

NO ONE AT XXXX IS WILLING TO HELP ME RESOLVE THIS PROBLEM. 

SIMPLY PUT, XXXX MADE A MISTAKE WHEN THEY TOOK OVER THE LOAN. BECAUSE OF THEIR MISTAKE NO TITLE COMPANY WILL RECORD A NEW SALE BECAUSE THE DEED SHOWS A DIFFERENT LENDER. 

SHELLPOINT CAN CORRECT THIS PROBLEM EASILY AND QUICKLY. SHELLPOINT IS THE ONLY ENTITY THAT CAN CORRECT THE PROBLEM. 

I HAVE CALLED SHELLPOINT EVERY BUSINESS DAY SINCE XX/XX/XXXX. I WAS TOLD ON XXXX DIFFERENT OCCASIONS THAT A SUPERVISOR WOULD CALL ME BACK. TO DATE, XX/XX/XXXX I HAVE RECEIVED NO ACTION FROM SHELLPOINT. NOR A RETURN CALL FROM A SUPERVISOR. 

I AM DESPERATE TO FINALIZE THIS SALE AS I NEED THE MONEY AND I NEED TO GET OUT FROM UNDER THIS DEBT. 

PLEASE HELP ME. 

MY DESIGNATED CONTACT AT SHELLPOINT MORTGAGE SERVICING IS : XXXX XXXX. XXXX
Consumer complaint received 2021-01-21
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: SYNCHRONY FINANCIAL (CA)

I recently learned that my creditors were reporting inaccurate information to the credit burials. I learned this when my loan officer gave me a copy of my credit report. I have been contacting with no luck in getting the problem resolve.
Consumer complaint received 2021-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MS)

I had my phone services turned off by XXXX XXXX I had a month to month service no contract and I only had the senior citizen bill for ( XXXX a month no contract ) but XXXX kept overcharging me and taking wrong amounts off the card I payed them with and I had been asking them to stop over charging me they never did so I disputed my XXXX bill and XXXX turned my phone off even though they got my payment for XX/XX/2020. And they lied about not having the money for XXXX so I called my card company AND they said XXXX still had the XXXX payments and then I payed them for XX/XX/2020 and they turned my phone off AND kept my XXXX payment of ( XXXX ) I had them payed up they never turned my phone back on they never porated my XXXX payment they took my money and never turned my services back on! And then while my is off they trying to collect a three month payment from me. I do not have thier services anymore and they been charging me and other customers ( ( 2 to 3 months ahead without even using thier services this is defintely illegal and they sent the bill collection a false bill amount knowing I owe them nothing and knowing they turned XXXX my phone even though I had month my bills for XXXX and XXXX of XXXX 2020 XXXX they kept my whole month of XXXX payment AND did not! Restore my services. This company is a fraud and extremely out of the law and all federal rules policies and regulations I called the collection services and told them I owe XXXX XXXX nothing they took my money mhe bills was payed up with them AND they turned off my services with my bills beening payed up in full! And they sent the bill collection a false bill for services I did not receive and never will. I only had a month to month bill with them prepaid flex services no contract. They needs to be investigated and arrested. Sending false bills to s collection agency and my bill payed in full and they charging me for a disconnected no working phone bill! Now that's fraud scamming laudering and thief and lies. They are straight out thieves and needs to be closed down and defintely arrested AND in prison. You do not sent collections agencies fate bills knowing you disconnected the customer services and keep my payment and never returned it. You all be blesssed in loving XXXX AND OUR loving father our XXXX. Sister.XXXX XXXXXXXX and they are refusing to give me a paper statement for my bills payments and I asked them to email them they still refused and never did sent any. I told them it's my civil rights to request AND get copies of my bills and payments they refused and sometimes they hang up on you and never sent anything.
Consumer complaint received 2020-09-06
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. (NV)

I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Dovenmuehle is overcharging me for insurance. 
The problem began when they were late in paying for my homeowners insurance policy because they were late the insurance I had secured canceled my policy now Dovenmuehle   expects me to pay for the months that didnt have insurance because they were late in making the payment. 
I started getting notices back in XX/XX/2020 stating they didnt have a policy for my home on file. I let them know that I had obtained Bankers after XXXX XXXX canceled my original policy. Bankers notified Dovenmuehle  in XXXX that they had a policy for my-home at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. 
Dovenmuehle  didnt pay for the policy until XX/XX/2020. Bankers canceled the police as of XX/XX/2020 do to non payment and wouldnt reinstate the policy because it was late. 
Dovenmuehle  made two payments to Bankers one for {$2200.00} and {$22000.00} for a policy that was {$2200.00} a year. 
On XX/XX/2020 I received a phone call from XXXX XXXX who said he works in the escalation department or Dovenmuehle and that they had finished their escrow analysis into the shortage and I would be getting a letter in the mail detailing the outcome but he did tell me that I would not have to pay for insurance for the laps of time XX/XX/2020 to XX/XX/2020 because of the mistake with the payment. 
Now Dovenmuehle has sent me a letter stating they are charging me over {$600.00} for the laps from XX/XX/2020 till XX/XX/2020 and telling me I have to pay this amount even though IT WAS THEIR MISTAKE THE INSURANCE WAS NOT PAID ON TIME. 

DOVENMUEHLE IS TELLING ME THAT I HAVE TO PAY FOR TWO MONTHS OF INSURANCE THEY DEEMED I HAD NO INSURANCE EVN THOUGH THEY DID NOT PAY IT ON TIME WHEN IN FACT THERE WAS ONLY ONE MONTH WITHOUT INSURANCE DO TO THEIR MISTAKE OF NOT PAYING FOR THE INSURANCE ON TIME. 

Allied trust did not cancel my insurance until XX/XX/2020 as the attached document will show. 

REVIEW Dovenmuehle did not pay Banker insurance on time so Banker canceled insurance policy. 
Dovenmuehle sent me a new letter telling me I had to pay for two months do to their non payment to Bankers. 
Dovenmuehle is OVERCHARGING two months for insurance do to their NON PAYMENT of the Bankers policy on time. 
XXXX XXXX from Dovenmuehle said they were waiving the two months that had no insurance policy do to DOVENMUEHLE LATE PAYMENT to Bankers. 

Attached you will find the documents supporting my claim against DOVENMUEHLE
Consumer complaint received 2021-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I placed an add on XXXX for an item I was selling. An individual named XXXX claimed to be interested and sent me a cashiers check for shipping and payment for said item. I deposited the check which was help by chase for a few days, 2-3, and was cleared. I then sent the money using XXXX to the requested shipping company contact that was given. The final total was {$2100.00}. On the XXXX of XXXX the bank returned the check leaving my account severely overdrawn. I contacted both Chase and XXXX and both refused to assist me retrieve my funds.
Consumer complaint received 2021-01-20
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. (MD)

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.