davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MS)

Received letter from foreclosure attorney with sale date for my property XXXX. 
Foreclosure Letter dated XX/XX/2022, postmark envelope XXXX/XXXX/202. Requested from my mortgage servicer recently, and several times, additional time on a forbearance. I was told I could not get a forbearance because I had a previous forbearance of which I found out was not true. Shellpoint customer service has given me misleading information and they are trying to make me lose my house to foreclosure. My research I found I could have a forbearance up to 18 months under the Covid -19 or Hero Act. In my mortgage documents I signed at closing it states I was to be given 30 days prior to foreclosure sale date, of which I was not given. My mother who is elderly was affected by XXXX she now has terminal health issues from XXXX. I was affected by XXXX  my employer closed the business where I was employed, I lost my employment and I had XXXX too. Submitted financials and all requested information for mortgage assistance, I have not received a denial letter for mortgage assistance or my request for a forbearance. I have not received a letter from foreclosure attorney asking me to validate the debt I have made a request. Shellpoint customer service is rude, and I was told that I needed to sell my house because I could not afford it. I feel I have been discriminated against because I'm a XXXX female and a Senior Citizen.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Fraudulent charges of {$10000.00} over a period of 4 days with no communication from Citbank. 

Called to dispute charges, they have credited the majority of the amount but still trying to get them to credit the interest charge of {$120.00}. 

Have been trying to get this resolved the last couple of months get transferred between customer service, fraud dept, security dept and now collections dept who tells me they can only collect the amount and get kicked back to the other departments with no solution in sight. I have spent hours on this as I want to close this acoount also. 

I am hoping you can help me with this issue.
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

USAA Bank contacted me to let me know that they " accidentally '' reported my ( on time/current ) car loan as 60 days pays due. I've worked hard to achieve and maintain a 800+ credit score and am stunned that something like this would happen. USAA stated they will provide an update to the credit bureaus but that it can take 60 days for it to reflect. This could severely impact my ability to get a loan if needed OR cause me to a pay a higher rate of interest than I would otherwise qualify for. USAA should be held accountable for this mistake.
Consumer complaint received 2022-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

I received a call today saying that I needed to pay that debt, and I told the Agent I'd already paid it directly to XXXX, and because it was paid in full, they were going to take 10 % off. 
The Agent said : " You can't do that, '' I said : " I did do that, and the money had been taken out of my account already. '' I told her that I am a banker and that she needs to stop telling people that we can not settle whatever amount we owe directly with the lender. That is a scare tactic and shouldn't be used.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. ()

I have told them that I have never had any account with Citibank until recently and that if they could please send me documentation I would take the appropriate steps. They become abusive and threatened to arrest me and that I will be sued in court.
Consumer complaint received 2022-03-23
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX  # XXXX has violated my rights. 

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.
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX  # XXXX has violated my rights. 

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.
Consumer complaint received 2022-03-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (GA)

I bought a car on XX/XX/2022 at XXXX. I had to return and re buy it again XX/XX/2022 due to the salesman did not include the extended warranty. The lienholder Exeter Finance only shows one loan. However, all three credit bureaus show two loans.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 Converge to account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A section 2 : also states A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was told by Trustee , XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  as Trustee for the Certificate Holders of the XXXX, XXXX, Alternate Loan Trust XXXX, Mortgage Pass Through Certificates, Series XXXX, in response to CFPB Complaint ID XXXX, to forward this to Bank of America, NA ( the XXXX XXXX XXXX '' ) of my loan, See Exhibit # 3. 
I am awaiting a response regarding my mortgage interest payment reported to IRS for tax year XXXX and additional information regarding interest from XXXX XXXX  XXXX, A Division of XXXX, XXXX on behalf of note owner XXXX XXXX XXXX XXXX as of today, XX/XX/XXXX. I received two written letters dated XX/XX/XXXX, See Exhibit # 1 and XX/XX/XXXX, See Exhibit # 2, from XXXX XXXX  XXXX, A Division of XXXX, XXXX of XXXX, SC, on behalf of note owner XXXX XXXX XXXX XXXXThese two letters contradict a different set of two letters dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX  XXXX, A Division of XXXX, XXXX of XXXX, MI on behalf of XXXX XXXX XXXX XXXX, the noteholder, with both letters stating, " We are working to gather the requested information and will forward it to you as soon as possible. '' Therefore, this is XXXX and I am demanding the answers to the following questions in regard to Loan # XXXX for property XXXX XXXX XXXX, XXXX, MD XXXX : 1. What date that XXXX XXXX  XXXX sent the original IRS Form 1098 for XXXX to IRS? 2. What date that XXXX XXXX  XXXX sent the corrected IRS Form 1098 for XXXX to IRS? 3. What date that XXXX XXXX XXXX sent the original IRS Form 1099-INT for XXXX to IRS? 4. Where is the Escrow Analysis for the period XX/XX/XXXX to XX/XX/XXXX with all consecutive months? 5. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX  XXXX has on record for me with XXXX, XXXX as the third-party requestor ; 6. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX  XXXX has on record for me with XXXX XXXX  XXXX as the third-party requestor? 7. What is the name of the contact person at XXXX XXXX  XXXX and XXXX, XXXX for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 8. What is the name of the contact person at XXXX XXXX XXXX XXXX the note owner of my mortgage loan for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 9. Where are the copies of any documents with XXXX XXXX XXXX and XXXX XXXX that I signed giving them the authorization or written consent to release my NPI ( Non-Public Information ), as defined by XXXX, XXXX XXXX XXXX XXXX, to third parties?
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (CT)

Discover supposedly sent funds in account ending in XXXX, the amount of {$140.00} to XXXX XXXX on or around XX/XX/XXXX, I believe in error, as well as the amount of {$690.00} also sent to XXXX XXXX around same date. It is now XX/XX/XXXX, XXXX XXXX has not issued a check for either amount or any amount for that matter to date. It appears XXXX XXXX is unable to locate either payment amount in their system, payments appear lost at this point. I've spoken with numerous reps in XXXX XXXX Executive Office as of today, XX/XX/XXXX, unable to locate any payments detailed above. The amount of {$690.00} represents a fraud claim in which case, funds go to issuing bank, XXXX XXXX. The amount of {$140.00} represents partial remaining funds in Discover account which should have been sent to myself, not XXXX XXXX... Discover may deny this is an error, will not admit fault, however, funds are not part of fraud claim amount and should not go to XXXX XXXX Additionally, as stated before, XXXX XXXX has not sent a check for either amount or any amount to date..Discover needs to reimburse for lost funds.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I opened a XXXX  Checking Account with HSBC Bank they have several safety screens to log on. At the time I opened the account it was not apparent that their physical branches do not support their online customers. After trying several times to get in touch with the bank online I did not know I had the wrong number to reach them. It was only after going again to HSBC that someone wrote a number by hand and said this is the only way you will get through. I was finally able to get through after a long wait. During this time the bank was deducting a $ 50 monthly fee the deducted {$500.00} I asked them to review as I had no access to the account and they acknowledged that reversed only {$250.00}. I placed a complaint on their site it says they will take 10 days to review XXXX has been reviewing for over a month XXXX was filed. I at that time requested my account closed and my money returned they were supposed to send me a check instead they kept my funds now charged another {$50.00} fee for XXXX this is closing in on XXXX and I fear another charge.
Consumer complaint received 2022-03-23
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. (CA)

To Whom It May Concern : I recently received a copy of my ( Experian, & XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern : I recently received a copy of my ( XXXX, & TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-03-23
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. (CA)

Im accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX Dept of Ed/XXXX Account # XXXX Dept of Ed/XXXX Account # XXXX Dept of Ed/XXXX  Account # XXXX Dept of Ed/XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Service Account # XXXX XXXX XXXX Service Account XXXX XXXX XXXX has violated my rights . 

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
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

This capital one XXXX  XXXX  account was taken over by XXXX XXXX XXXX, XXXX. My settlement with XXXX & XXXX was agree to by both parties and upon full payment of our agreement, the Capital One Account derogatory information would be permanently removed from my XXXX, XXXX, XXXX, et al credit bureau reports files. 
In the past year and a half or so, I have spent well over {$1500.00} on credit repair companies, XXXX XXXX and IdentityIQ, to have Capital One Bank delete all of their derogatory credit bureau report information reported to XXXX, XXXX, XXXX, et al credit bureau, to no avail. 
Capital One Bank sold my account to XXXX XXXX XXXX, and I paid XXXX & XXXX the full agreed to amount, and Capital One Bank refuses to remove their derogatory information from XXXX credit bureau report files, even though they sold my account to XXXX XXXX XXXX. 
Once I paid XXXX & XXXX in-full, then my original debt was completely paid off, as agreed to by XXXX & XXXX and myself! 

XXXX XXXX XXXX
Consumer complaint received 2022-03-23
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (GA)

While I was the XXXX person for the XXXX of XXXX XXXX I was asked to use my financial account to make the purchase of the website. It was a yearly subscription and a 50 % discount. This year I was hit with the full price of the subscription even though I am longer a member of the XXXX nor do I have the access to the XXXX account. I've tried to reach out to XXXX and they refuse to respond. I reached out to my bank and they put a block on my card I didn't ask for, refused to put in a claim, then hung up on me after putting me on hold for XXXX minutes. I am in the negative due to a transaction i couldn't prevent.
Consumer complaint received 2022-03-23
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. (AZ)

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX