davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-26
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: BARCLAYS BANK DELAWARE (IL)

In the year 2013 my identity was stolen, unbeknownst to me, someone used my government issued social security number to obtain goods and services using my personal information. this theft begin to take place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to this company along with my tax return showing where I was residing when the account was opened ( copies attached ) via certified mail as advised by my council A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THIS COMPANY continues to report this invalid fraudulent account. I have attached the ID THEFT packet again with my police report, proof of address when account was opened and my proof of identity account # XXXX
Consumer complaint received 2018-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sterling Credit Corp. (AZ)

XX/XX/2018 XXXX Spoke with XXXX XXXX @ XXXX XXXX XXXX XXXX   ( XXXX ) about SETTLEMENT AGREEMENT for balance due of {$2200.00} to XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX. 

Settlement agreement for the amount of {$800.00} made between XXXX   XXXX XXXX on behalf of XXXX XXXX. Initial agreement was for 3 payments of {$260.00} to paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. 

Modification made to initial agreement made Monday, XX/XX/2018 with XXXX @ XXXX XXXX XXXX XXXX for 2 payments ; XX/XX/XXXX {$260.00} and XX/XX/XXXX {$530.00}. 

Settlement was paid according to initial and modified agreement. I have attached transcript of phone recording, letter confirming settlement agreement from XXXX XXXX XXXX XXXX, and bank statements confirming payments. 

My account has been reactivated on my credit report. I have been called no less than every few hours every day by XXXXXXXX XXXX in an attempt to collect the full amount of the debt that was settled XX/XX/2018. 

I want removal of the account from all 3 credit bureaus. I want a letter confirming the account has been settled and paid in full from XXXX XXXX XXXX XXXX and XXXX XXXX. I want to have them apologize for harassing me every day with collection calls and if you can fine them, please do.
Consumer complaint received 2018-09-27
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (AR)

Re : CFPB Case # XXXX Dated : XX/XX/2018 You stated that you obtained my information from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please provide me the method of verification as required under Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.
Consumer complaint received 2018-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc. (MS)

Was offered a new loan when I went in to make a payment i told them I was not intrested at this time maybe in the near future I let the salesman talk me into letting him filling out paperwork so that it would be ready when I decided to Come back Was told that Nothing would be filed until I returned, at this time after I left they ran my credit anyway then when I came back a month later to complain that they had run my credit without my permission But now I was ready to take out a loan but was not going to do anything till they removed that unauthorised inquiry because I did not want yet another inquiry on my credit so they were supposedly looking into this and while they were doing this they ran my credit again thinking that if he got me aproved that I would just forget about the whole thing. I never even said anything to me about running my credit I found out when I got home and had an alert from XXXX XXXX.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

I check on my credit report and it showed I have 7 credit cards and 1 loan, but in fact I only have 1 credit card and there is no balance on the card. I've never applied for loans!

Also I was told there is a delinquency which affected my credit scores. I believe someone has been using my identity and taking a load without my permission. It has seriously affected my credit score. Please help.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (GA)

Dear CFPB - I am resubmitting my complaint against SHELLPOINT MORTGAGE SERVICING. Please refer to closed complaint XXXX for additional history. Shellpoint Mortgage has advised CFPB that they have not reported any new events to the CRA 's since XXXX, which is false. On XX/XX/XXXX, Shellpoint transmitted an update to XXXX that my account was in a delinquent status, which is false. As stated, the servicing of my mortgage was transferred to another party in XX/XX/XXXX. CFPB, please investigate as to why Shellpoint refuses to update my XXXX from a delinquent status of 120 Past Due. I have included snippets from my current report and the credit monitoring alert which indicates Shellpoint just recently updating my account status. This event update contradicts what Shellpoint Complaince Dept XXXX XXXX states in her response to my CFPB complaint # XXXX. XXXX also goes on to state that Shellpoint must report account transferred, but this is another contradiction to what has actually been reported to the CRA 's. Example enclosed. I am requesting for the CFPB to reinvestigate this matter. Shellpoint 's response was more focused on my payment history and not what they are currently reporting to the CRA 's instead of the current status of the account with Shellpoint, which is closed with a XXXX   balance, account transferred. I think the CFPB prematurely closed my initial complaint because of payment history and bankruptcy fluff written by XXXX XXXX. Now I have included documented proof to support my complaint about Shellpoint.
Consumer complaint received 2018-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

As a XXXX-year-old senior citizen, I think Shellpoint Mortgage is taking advantage of my age to charge me more than {$350.00} a month fraudulently. They are claiming that I do not have mortgage insurance. I have had the same mortgage insurance since I purchased the property in XXXX. 
My property insurance costs {$39.00} a month. Since XX/XX/XXXX, Shellpoint Mortgage is charging me more than {$350.00} a month for insurance that I already have. 
My monthly mortgage bill was increased by {$350.00} in XXXX. I contacted the company and asked why and was told that I had not offered proof of insurance. 
I stated that I had never received a document asking for proof of insurance. Shellpoint Mortgage claims that they have been sending out documents but I have never received them. 
In fact, when I contacted them again on XX/XX/XXXX, I was assured by one of their supervisors that I would begin receiving mailed documents immediately, I still haven't received any mail from them as of XX/XX/XXXX. 
With no written request they have been able to collect more than {$700.00} from me without notifying me of the reason. 
I live on a limited budget and this is causing quite a hardship. 
Please advise.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I was called in XX/XX/XXXX by XXXX XXXX XXXX that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XX/XX/XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called XXXX XXXXXXXX as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with XXXX about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by XXXX in XX/XX/XXXX that all the reporting would be corrected.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Machol & Johannes, LLC (CO)

was contacted via mailing on XX/XX/XXXX by a collection / lawyer group. The agency '' XXXX XXXX XXXX XXXX XXXX XXXX '' were seeking payment from me for {$1500.00} for a fraudulent debt dating back to XXXX. This debt was resolved at that time by XXXX fraud services and after investigation removed the debt and others from my credit reports and supposedly from XXXXXXXX XXXX   ( XXXX XXXX ) accounts. I immediately enlisted the help from XXXX XXXX   fraud resolution services through my legal assistance program. Efforts to obtain fraud resolution papers from this collection agency resulted in two mailings of packets of useless statements and bills. This debt was obviously sold down the line without the resolution being noted, only to harass me once again. I need this laid to rest and not be sold off again to another " collector ''. fthank you.
Consumer complaint received 2018-09-26
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. (NV)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please update my information to it correct, and obtain either, verbal or hand written verification directly from a person at that.

Please delete/remove the following accounts 1.XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX   6.XXXX XXXX I have no idea where these accounts are from I was a victim of ID Theft. I am not sure if they are still using my name or not.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (WI)

car company charged me online, and gave me quoted price of XXXX $ for a car. 
then i got there and they said they are not affiliated with the online place. but they put the XXXX $ toward a much larger charge, lying and proving they were affiliated with them. 
they took cash for the difference, and ran my cc for " authorization '' in case i wrecked the car. 
then they wrote down the cc number, and when i left the country, charged me almost XXXX $ fraudulently. 
I wasn't even in the country anymore and never signed to authorize any such charges. 
I reported this to the cc company and faxed them a receipt of the cash payment i made, showing they wrote down the card number. and that the charge was marked as authorization/delayed charge. 
The cc company said they couldnt read it. i faxed it again. again teh same guy said he couldnt read it. i told him to give me an email or digital method to send it and he refused. 
then he hung up on me. 
i then got a call and voicemail saying on friday night like XXXX that if i didnt mail it and he had it by sunday, that he would close my file and deny my fraud claim. 
i called and spoke to a supervisor who said i wouldnt have to deal with him anymore. and they would have a supervisor call me back. they never did. instead i mailed in the document and got three letters from the first guy first claiming he didnt get the faxes, then claiming he got them and it was illegible, then claiming something else. all three letters were contradictory to each other. so i called again and a supervisor " took my complaint '' and said i wouldnt have to deal with that guy anymore. and a supervisor would call me back.

i got a call from a supervisor who claimed i hadnt sent in enough documentation and that they were denying my fraud complaint. then i got a letter saying that the documentation i sent was outside the time frame to assist me, even though i sent it three times and it proved beyond a shadow of a doubt that a ) the car company lied about the charges, lied about affiliation with the online place, overcharged me while i was there, and then double charged me on my card later. 
either way, this is a fraudulent charge and they are trying to make me pay for it.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

showing late which it shouldn't be showing late payments for the account number listed below. Equifax haven't provided me the paperwork and information by law the credit Bureau suppose to check and send to me. This is reporting inaccurate on my credit report. Please no XXXX. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-21
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: EQUIFAX, INC. (VA)

I obtained my free credit report on XX/XX/2018. It was at this time that I noticed a Bankruptcy that was attached to my credit file. On XX/XX/2018, I sent a certified letter to Equifax. The letter was dated XX/XX/2018. In the letter, I stated that I did not know the source of the bankruptcy and therefore, this was a violation. ( Letter attached ). I called and spoke with a representative concerning the inaccurate, negative mark on my report. The representative stated the information related to a bankruptcy was verified accurate by the United States Bankruptcy Court. Soon after, I received the Equifax investigation results. Equifax stated that the bankruptcy was verified through a third party, XXXX XXXX. I submitted a letter to the United States Bankruptcy Court. In the letter I asked how the credit bureaus or any third party agency verfiies a bankruptcy for a debtor? The bankruptcy court responded in a letter dated XX/XX/2018. The letter stated that the " Court have no jurisdiction over credit reporting, nor do they provide information to the credit agencies or verify the accuracy of such records.. '' I also initiated an investigation with XXXX XXXX. I finally received an answer from XXXX XXXX on XX/XX/2018. Their results indicated that XXXX was unable to verify the accuracy of bankruptcy within the timeframe as outlined by the Fair Credit Reporting Act and subsequently removed this record from my XXXX XXXX report. 

I submitted all of this information on XX/XX/2018. It was not removed, nor did I receive a response. I called Equifax on Monday, XX/XX/2018 to once again dispute the bankruptcy that still remains on my credit file. The representative told me he would attach the documents previously sent on the new dispute. The next day my credit score drops XXXX points and Equifax is listing a new bankruptcy! I called and spoke with " XXXX '' yesterday, XX/XX/2018 and was told my documents were " out of date '' and that I would need to resubmit everything I had already sent to PROVE my case. Equifax wants me to waste more money and time to fix their error. I will not! As a consumer I have done everything I needed to do. I have provided more than enough adequate support. 

This is absurd! I have been trying to resolve this issue for nine months and I keep getting the run around. I have completed my research, documentation, spent money and time. The representatives are reading off of scripts and no one truly provides the consumer with what is suppose to be FAIR! I know my rights!
Consumer complaint received 2018-09-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has an icon listed on page with my accounts once I am logged into my online banking. It is called XXXX XXXX. At the time I had no idea this wasn't actually Wells Fargo because it is actually listed on my personal account page. Why would they have another company user tool listed with my personal checking account information?? I assumed it was how we transferred money and it was in fact Wells Fargo. Well on XX/XX/2018 We thought we were buying tickets to a football game and we transferred the seller {$500.00} through our Wells Fargo account. Come to find out it was a scam and someone had made up all of their information and they took our money. The seller said their name was XXXX XXXX and listed an email address as well. But come to find out, that person doesn't really exists and they scammed us. Wells Fargo acknowledges, after reviewing that person name and email that it's all red flags that they show and things didn't match up ( we would have no way of knowing that from our end ) BUT they refuse to give us our money back. Banks are suppose to protect their clients. We have ALL of our money and 401K and IRA with them and all they are saying is that this is not fraud but it is in fact fraud. This was a made up name and person that committed fraud and Wells Fargo is treating us like we are the criminals instead of the victims. Please help! We just want Wells Fargo to do the right thing and give us our money back. They should never posted XXXX with our account information if it is not actually Wells Fargo. We didn't go to XXXX to do this transfer, we actually logged into our Wells Fargo online banking portal and XXXX is just listed under our checking account. We didn't even know this wasn't a Wells Fargo tool until this happened and Wells refused to help us. This is so misleading and unethical on so many levels. We feel so violated and vulnerable that our bank, who we believed to be a trusted partner, would allow this to happen to us. If they will not protect you from this kind of thing thing they 100 % should not have XXXX listed in our personal customer portal. We just need help getting our money back and no one will listen.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

American Express advertises their Blue Business Plus card ( for small businesses ) as having " 0 % APR on purchases and balance transfers for 15 months ''. I was assured by 3 different American Express telephone sales reps that that is correct. I applied, but the card I received has no such offer for balance transfers. I was then informed by 5 or 6 different customer service reps ( including one supervisor ) that there is no such benefit.

As of today ( XX/XX/XXXX ) the website still shows this offer at https : XXXX I think that is fraudulent advertising.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I received an email that my social security number was compromised on the dark web. I've contacted XXXX, Equifax, and XXXX  to investigate 20+ inquiries over the past 2 years XX/XX/XXXX-XX/XX/XXXXthat were unauthorized by me. They refuse to offer any assistance in these matters. It is easy for hackers to get innocent citizens information EX. social security numbers but made difficult for us to get information on our reports verified and corrected. When innocent citizens information is compromised the 3 credit bureaus should take these matters very serious, its could be life altering for us. I feel like representatives do not take these matters seriously. They offer no assistance after hours of holding just to be told their is nothing they can do. If they do not want to protect our information and offer help when it is compromised why do they have access to it? I feel like my Personal Information is not protected and at anytime can be accessed which leaves me at the mercy of the 3 credit bureaus who offers no help.