davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

On XXXX, at XXXX XXXX., I contacted Experian regarding information that wasn't and was reported on my credit report. After I requested, I received my credit report from Experian during the week of XXXX. I noticed XXXX a creditor that I have an account with was not reported on this credit report. I request my credit report from all three credit bureaus every 6 months. This is the first time and only time XXXX was not reported on my credit file. I contacted Experian more than three times and was told from multiple agencies the creditor was not reporting the information and to call the creditor and ask them to furnish the information over to the Experian. I had already called XXXX and talked to the Manager name XXXX and reported to him my credit file was not being reported to Experian. I also inquired to Experian about disputing information that was in my credit file as well as adding past home addresses to my credit file. My previous home addresses was removed from my credit file. I have past credit reports with the addresses listed. Experian transferred me over to an agent name XXXX in the fraud department. They stated they couldn't add addresses to my credit file nor were they able to do anything about XXXX missing from my file. They didn't even mark my file as fraud. The last XXXX male I talked to didn't seem to want to talk to me. He had a very unpleasant attitude. Nothing was resolved with Experian. They are trying to sell Identity Theft monitoring more than protecting a consumers credit file.
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

We submitted a loss on our home insurance for water damage XXXX XXXX 2020. Our insurance company XXXX XXXX issued a check for {$7200.00} in damages, it also had our mortgage company as a payee on the check. We were advised by the Mortgage company to overnight the check to them so they could endorse it and return it next day. We did so and they kept the check and deposited it. Saying we were delinquent. Because of that they won't release funds. They want us to use a licensed contractor, not do the work ourselves. They do not have a process for us doing the work ourselves. They haven't even released startup funds to hire a contractor.
Consumer complaint received 2024-09-12
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. (GA)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Dear CFPB, I am writing to formally report violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) concerning the accounts listed below. These violations infringe upon my federally protected rights to privacy and confidentiality, specifically under 15 U.S.C. 1681. 

**Account Name : ** The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following sections of the FCRA are particularly relevant to my case : 1. **15 U.S.C. 1681 Section 602 ( a ) ** : This section affirms my right to privacy regarding my consumer information.

2. **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ** : This section stipulates that a consumer reporting agency can not furnish my account information without my written consent.

3. **15 U.S.C. 1681c ( a ) ( 5 ) ** : According to this section, no consumer reporting agency may include any adverse information in a consumer report if it is older than seven years, except for criminal convictions.

4. **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** : This section prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

I request that you investigate this matter promptly, as these violations have caused me significant distress. I appreciate your attention to this issue and look forward to your response. 

Thank you for your assistance.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

about XX/XX/XXXX Capital One held disbursements on three of my on line payments, even though I had {$14000.00} in the account. The accounting showed the word " failed '' and gave me a 1-888 number to call.. I was told there was a check dated XX/XX/XXXX in the amount of {$430.00} made out to XXXX XXXX, endorsed over to XXXX XXXX and cashed at Capital One. Capital One said it was a fraudulent check. and they no longer wanted to do business with me. Capital One is holding this amount in my check account with notice it may not be with drawn. I asked a copy of the front and back of this check be sent to me. so that I may investigate this check myself I need a copy of the front and back. I have not received this information. On XXXX XXXX I again called the 1-888 number and was informed I had never requested a copy of this check. We aren't going into that, it just makes me madder. 

I would appreciate a copy of this check be sent to me, so that we may settle this problem or what future steps I shall take. 
1 ) May be sent by mail to XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Texas XXXX XXXX ) may be emailed to XXXX 3 ) may be texted to XXXX XXXX XXXX Capital One account # XXXX Many thanks
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/XXXX, XXXX XXXX reported a late payment for the month on my credit report. For years, I have called them more than 5 times about the blemish. Late year in or around XX/XX/XXXX, I file a dispute with the credit bureaus to remove the incorrect late reporting for the second time. Up until this day, nothing has been successful. Today, it's still reporting as a late payment and there are negative remarks remaining on the account. As a final attempt, I called on XX/XX/XXXX and spoke to XXXX who stated that he'd file a dispute with the credit bureaus and request to have the remarks removed. I have no faith in his occurring seeing that I requested an internal investigation instead.
Consumer complaint received 2021-01-28
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (GA)

Firstmark services are currently handling my private student loans from XXXX. I recently became concerned with their service when they began requesting payment while I was still attending XXXX  school. Based on XXXX XXXX policy, All payments are deferred while in school. Firstmark claimed there was a time limit regarding deferment but could not provide a written document supporting this. It was clear that this policy could not be substantiated. XX/XX/2020, I requested to have my promissory notes from all three loans currently being handled by Firstmark services in order to verify if the deferment policy was listed on my signed documents. I only received two documents and was told that one was a mastery note ( that regarded three loan pay outs ) and the other was for only one. However, later I was informed in a phone call ( XX/XX/2020 ) that three promissory notes existed and would be sent immediately. This would prove to be false and I was sent only the two promissory notes again. Upon reviewing the notes, I found that I had checked a box that stated 'MAKE NO PAYMENT WHILE IN SCHOOL '. Also, I saw that there was a discrepancy between loan amounts on promissory note and what was being charged by XXXX based on Firstmark 's records. I believe I have been charged for an amount that I did not fully receive and therefore also charged interest based on a wrong principle amount ( original loan balance ). I will be attaching both promissory notes that I have a received and letter from Firstmark that shows what principle ( or what should be original loan amount ) and interest they have on file.
Consumer complaint received 2024-09-04
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. (VA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: C/C Financial (GA)

Preferred Lease has been falsely reporting information on my credit report for the past 6 months. I used this company to lease some furniture and after paying the balance of XXXX on XX/XX/XXXX, I requested to have it picked up. After speaking with the CSR on the phone, he assured me that the account would be marked for recovery status and that the payments would cease. More than a month later, Preferred Lease reports to the credit bureau and flags my account as delinquent. I had called several times because the furniture still wasn't picked up. I called almost weekly, some times more because it was never picked up. I was told that someone named XXXX would call and set up a pickup time. I sent the photos requested, I sent the information showing the payment made on XX/XX/XXXX. The next month, they reported to the credit bureau and showed I was late. I called again, the furniture still had not been picked up. I asked why were they reporting to the bureau when I had asked to have the furniture returned. XXXX said that I was still liable because they had not picked it up yet. I reiterated to XXXX that I had requested several times to have it picked up with no success. I again requested the furniture be picked up. 65 days later on XX/XX/XXXX, the furniture was retrieved. Again, they reported my account as late 60 days and filed as a voluntary repossession. I was told the return was allowed because it was a lease. When I called to ask what was going on, I was told that they were showing the account as CLOSED. On XX/XX/XXXX, Preferred lease was updated AGAIN! From {$300.00} to {$890.00}. The person I spoke with on XX/XX/XXXX, searched and stated that they had no open accounts in my name. It's reported that I owe XXXX and last payment was XX/XX/XXXX. The report dated XX/XX/XXXX shows last payment on XX/XX/XXXX. They are also reporting the account balance as {$3200.00} It should be XXXX because it was a lease, and I was given the option to return it. As of XX/XX/XXXX, this account is still on my XXXX credit report as 90 days delinquent and owing {$3200.00}. I filed a complaint with the XXXX on XX/XX/XXXX and received a response that said the company believed their information was accurate, but that they would request a deletion. The account was closed per previous conversation with corporate, so the letter is a false statement. 
Product_Or_Service : XX/XX/XXXX Account_Number : XXXX
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

After completing an assumption with Bank of America, the bank has not provided me with any documentation stating that the assumption was approved. In addition, they have removed my online access to the account. I now have don't have access to view my account online, make payments online, or view how the payments are being distributed ( escrow, taxes, principles ). I have called Bank of America several times regarding this issue and they have not been able to explain why I've been blocked for viewing my account online. Some of the representatives have implied that I because of the assumption I will never again have access to the account online. This seems strange, is 2021 and bank of america is stating i will not be able to make payments online or view the account online. Furthermore, they have not mailed me any information regarding my mortgage or making payments. I feel Bank of America is threatening me with taking my house away and possibly foreclosing with no reason ( My mortgage is current and I've made payments on time for over five years ).
Consumer complaint received 2021-01-28
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: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/2020 SANTANDER CONSUMER USA ran without my permission. XXXX XXXX ran credit without me signing consent.I took XXXX XXXX to court judge ruled in my favor to have all the auto loan inquires removed from my reports.
Consumer complaint received 2021-01-28
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

I opened a Citi priority checking account with a promotion of {$700.00} if a minimum amount was maintained for a certain duration. The account was opened in XX/XX/2020 and all terms were fulfilled sometime in the Fall. I called and was told a W9 form needs to signed ( nobody told me this was a requirement ). So in XXXX, I went into a Citi branch and signed the form. I called numerous times since then and was told to wait 5 business days each time. I believe Citi has deceived me each time as the {$700.00} promotion has yet to be deposited.
Consumer complaint received 2021-01-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BBVA FINANCIAL CORPORATION (TX)

In XX/XX/2020, I called and requested an extension for the months of XXXX and XXXX. It was approved and I received a letter dated XX/XX/2020 as proof. In XXXX of 2020, I noticed the late payment on my credit reports and called and called BBVA. The rep informed me that he would report the incident to remove it. In XX/XX/2020, the late payment remained so I called back on XX/XX/XXXX and spoke to XXXX. He claimed the same thing. I even disputed the late payment with the credit bureaus and BBVA refused to remove the late payment. I have made three attempts to have BBVA change the late reporting but all has failed.
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (FL)

I had my car towed back to XXXX XXXX, after it completely Died on me, After SO many complications with this vehicle, then i called the finance company to tell them where it was at, so they could repo it, beings i Couldn't put Thousands into the car, Plus the rest of what i owed, which was XXXX , Plud Another car payment, This was Back on XXXX, Revently, within the Last 2 weeks, the Finance company, Continues to call me, All day Long,,, i just Emailed them as Agrivated as i Am, to STOP, im hoping they do Stop, but its Westlake financial services.
Consumer complaint received 2021-01-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Dear Madam/Sir, Hi, In XXXX XXXX, I sent {$300.00} CAD to Mr. XXXX XXXX XXXX [ I forwarded the verification ], but this amount was sent to another person, whose name is XXXX XXXX [ You can find the picture in the attachment. ] I have no idea who he is, and how this amount sent to him?! So it shouldn't be my fault because I did not use any e-Mail addresses. I just used Mr. XXXX 's phone number in order to send money. Money was sent to another person, whom I don't know, and PayPal is responsible about this problem. That person might be PayPal user [ I even sent him an e-Mail, but he did not respond me ], so you can find him by transition ID or his information in your data bank. Please help me to refund money. It's {$250.00} and I can not afford to send it again because of the mistake I never made. 

Thank you. 
Best, XXXX XXXX
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ProCollect, Inc. (TX)

On XX/XX/XXXX, ProCollect added a derogatory mark on my background search for public records as an eviction. Upon further research, this account has been taken care of under my bankruptcy that was filed and discharge XX/XX/XXXX and I am no longer responsible for this account. I have been trying to resolve this matter since XXXX of XXXX and I have yet to receive a reply from ProCollect. This matter has caused hardship in obtaining an apartment or rental house for my family. Also, there is NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt. Im requesting legal action to remove this account as a judgement immediately.
Consumer complaint received 2021-01-28
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: CITIBANK, N.A. (IL)

I did not authorize anyone employed by these companies to make any inquiries and view my credit report. Fraudulent Activities has been reported. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Sears/CBNA XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (PA)

I have been locked out of my coinbase account. Tried to log in but every time they ask for a 2 step verification the text is never received. the account has {$100.00} in it. XX/XX/2020. 
I have sent them emails but no response from nobody. 

I just used a different phone number just to test out if the sms verification is down but to my surprise they did sent out a code to that phone number. 

I requesting help to resolve this issue.
Consumer complaint received 2024-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NM)

My mortgage lender is Shellpoint Mortgage and they are they are again trying to scam money from me. They previously tried to illegally forclose on my mortgage during the XXXX XXXX - See Complaint # XXXX. Now Shellpoint Mortgage is refusing to accept my Hazard Insurance from my current Home Insurance Company which is XXXX. My home insurance company XXXX has provided this information to Shellpoint Mortgage but they are refusing to accept that I have XXXX XXXX so Shellpoint Mortgage can bill me an additional $ XXXX which will increase my mortgage payment to {$830.00} which I most likely will not be able to afford to pay which is why Shellpoint Mortgage is billing me for Hazard Insurance so they can eventually foreclose on my house and what Shellpoint Mortgage is not right! I currently have Hazard Insurance on my current Homeowners Policy with XXXX and Shellpoint Mortgage is refusing to accept this fact because they again want to illegaly attempt to foreclose on my house again. Shellpoint Mortgage is invloved in fruadulent business practices and should be severly fined by the CFPB. Shellpoint Mortgage has received my XXXX XXXX information from both myself as well as from XXXX XXXX numerous times. I have attached documentation to support my complaint. In addition, Shellpoint Mortgage is claiming I was late 1 month making my mortgage payment but the fact is I have never been late making my mortgage payment with Shellpoint Mortgage. When I contacted them regarding the {$20.00} Late Fee, they were supposed to have applied a {$20.00} credit to my account because they could not figure out which month and year I was late making mortgage payment, On their website home page shows {$20.00} Payment but was never applied to my account. I get collection calls on a daily basis from Shellpoint Mortgage regarding this {$20.00} late fee and if I continue to refuse to pay would could but not for sure result in the foreclosure of my house.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credence Resource Management, LLC (AZ)

I currently have a debt that was re-transferred to a collections agency in XXXX of XXXX for XXXX. This account had previously been opened in XXXX and closed a year later after disagreements on the bill and account. The company had transferred the account to collections with a company then early last year removed it from collections, bringing it back to XXXX where they contacted me an offered a lower amount they would accept, {$200.00}, in a voicemail on or around XX/XX/XXXX. They then never called back to communicate this offer or discuss options. Then come XXXX of XXXX the account was changed off to Credence collections and I have no contact information for them and have never been contacted from them to dispute or even pay the bill.

I have now had this account hit my credit twice! Recently significantly lowering my credit score while I am in the process of improving it. I am disgusted that this company has never even contacted me but instead did such damage to my credit score.