davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

On XX/XX/year> our mortgage loan with XXXX XXXX XXXX XXXX  was transferred to Shellpoint Mortgage Servicing. I was not aware of the transfer until after it occurred. I had called XXXX on XXXX to change my auto draft date from the XXXX to the XXXX of each month. The rep I spoke to referred me to the Shellpoint Customer Service number and I called soon after. The Rep at Shellpoint asked me to go online and register our mortage loan with them as it was new in the system. I did that and then tried to set up auto draft for the XXXX of each month. The amount due was {$3800.00}. When I tried to set up the payment, I mistakenly sent it same day as a one time payment. I had expected to get a date to select and send during this process. I called Shellpoint again to cancel the payment but they responded saying it could not be canelled due to the online system. I then asked if the previous auto draft date with XXXX had transferred with the loan. They said it had and a payment was sheduled for the XXXX. This alarmed me as it appeared I would be making a second payment in the same month. On the day I made the payment error there were not funds to cover the paymet amount of {$3800.00}. Shellpoint did suspend the auto draft scheduled for the XXXX until I wanted to restart it in XXXX. On XXXX I called shellpoint again to make the payment over the phone. This was done and shellpoint confirmed the XXXX as the payment date. On XXXX I went online again to reset the auto draft date for the XXXX of each month. I was denied that option and informed it was due to two retruned mortgage payment checks in the same month. I did not see any returned checks but did see a pending withdrawal on XXXX for the {$3800.00} from my XXXX XXXX  account ending in XXXX. The payment actually posted on XXXX with no late fees or overdraft charges being assessed. There were suffiicent funds to clear the mortgage payment on the XXXX when it was made. I believe there were errors or misinformation provided by Shellpoint Mortgage Servcing that led to my failed attempts to set up auto draft and the returned checks I had sent.
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC. (SC)

Santander Consumer called for a non-judicial repossession order on two separate occasions. The grounds for these actions were not legal and is punishable by law. Dishonor in commerce, stalking, harassment, mail fraud, UCC 9-610, willful infringement of trade name/material, violation under the color of law, violation of the Gram Leach Bliley ACT, are a few of the many complaints against this corporation. I have filed a complaint with the department of consumer affairs, and it is being reviewed by XXXX XXXX South Carolina Consumer Affairs Supervisor.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/24 at around XXXX I received a notice in the mail from XXXX XXXX notifying me about a data breach and that my data may have been affected. 

I took immediate action and contacted all three credit reporting agencies to put a security freeze on my account. 

I was able to successfully place a security freeze on my accounts for XXXX and XXXX over the phone in less than 10 minutes. 

At XXXX I called Transunion and was unable to complete the request over the phone. I was given the option to complete my request over the phone or by chat. Chat had a smaller wait time so I chose chat. 

The support agent over chat was not able to complete any of my requests for a freeze because whenever I logged in to their website I got the error : Identity Verification Failed : Failed safety check. 

The agent suggested I call them to resolve this issue however the call wait time was over 30 minutes long. Also, I had no assurance that this phone representative would be able to help me with my problem. I tried to ask the support agent for more help, such as allowing me to speak with their supervisor or putting me in a queue to receive a callback from a customer service representative. They informed me they could not do any of those things. 

In the end the support agent could not even provide a transcript of our conversation so I screenshotted the chat with timestamps and attached them to this complaint.
Consumer complaint received 2024-08-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BMW Financial Services NA, LLC (NJ)

My husband and I leased a BMW XXXX in XXXX, and I returned the car to BMW XXXX XXXX, NJ which is located at XXXX XXXX XXXX, XXXX, NJ, XXXX on Friday, XX/XX/XXXX. On that day, I was told to park the car in the service area for the return process. After the authorized person checked the car, I was informed that all was good and asked to sign the necessary documentation. During the process, I asked if there was anything else I needed to do, and I was told no and ensured that everything was fine. 
A couple of weeks later, we got a bill about {$1900.00} from BMW My husband called the phone number on the bill. The person on the phone was trying to convince my husband that the inspection report was signed by me on Monday, XX/XX/XXXX. He also claimed we had to pay that bill no matter what who signed the report. Even though I repeated many times that I did not sign any report on that day, we were literally forced to admit that I signed it. Since I didnt recall being at any BMW dealerships that day, we requested that the report be emailed to us. In a short time, we received it, and we were shocked by looking at it. The report had my name and was signed on my behalf. Yet, there was a false signature on the report. Neither they had my permission, nor I had any knowledge about it. We were told during the phone call if we make this payment, they will ruin our credit score. A couple of weeks later, we received a collection and saw our credit score went down XXXX. We tried to fix it through the collection companies by sharing the fake report. However, we were advised not to fight with them. After our discussion with the collectors, we saw the case was closed with no balance but our credit score wasnt corrected, and it still stays there.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I am filing to dispute an item on my credit report issued by XXXX. Upon reviewing my credit report, I noticed an entry that I believe to be inaccurate and damaging to my creditworthiness. The details of the disputed item are as follows : XXXX XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I am filing to dispute an item on my credit report issued by XXXX XXXX XXXX. Upon reviewing my credit report, I noticed an entry that I believe to be inaccurate and damaging to my creditworthiness. The details of the disputed item are as follows : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$8500.00}
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

Citibank forcefully closed my credit account and is denying me access to use my available credit limit. Despite making regular monthly payments and having available credit, Citibank has closed my account without proper justification and continues to demand payments from me. This action is causing significant inconvenience and financial distress. 

I have attached a screenshot as proof of my payments and available credit. 

I request the CFPB to investigate this matter and take appropriate action to resolve this issue, ensuring that I regain access to my available credit and that Citibank 's actions are corrected. 

Thank you for your assistance.
Consumer complaint received 2024-08-28
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. (CA)

Dear XXXX XXXX XXXX I've noticed XXXX is releasing information to the 3rd party credit bureaus which are on my credit report : I DID NOT CONSENT to do so which is in violation. 15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

In addition, XXXX sent a repossession agent to take my motor carrier on XX/XX/2024 XXXX within seconds of me leaving into the USPS . The Co-Owner and myself proceeded to tell them to stop and not to take the motor carrier. One agent held me against my will as I was trying to access my carrier while the other agent entered his vehicle and ran my foot down over.

There was a witness who had observed and gave a statement to law enforcement. 
( Video Footage Available Upon Request ) XXXX XXXX  claim department was contacted and concluded with their investigation. XXXX XXXX offered {$5000.00} coverage for medical expenses. 
Since the that date, I suffer from severe emotional distress from the public humiliation caused by XXXX and its repossession agents. 

This was a direct violation of : ( California Commercial Code 9609 ) Breaching the peace means that the repossession can not involve bodily force or threats and they can not take property over your oral objections. The objection does not have to be loud or done with force. You must simply tell the repossession agent not to take the car.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

This is to follow up on the unresolved issue regarding the inaccurate reporting of fraudulent items on my credit report. I am very frustrated by the continued presence of these inaccuracies and the lack of resolution. The persistent presence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. I would like to ensure that these items are accurately reported on my credit file, reflecting their true status. The Credit Bureaus failed to address this issue promptly that had leave me with no choice but to escalate the matter further, including seeking assistance from you to ensure compliance and protection of my consumer rights. Please help me remove the following items immediately : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$380.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX  XXXX Balance : {$3600.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00} ; XXXX OF XXXX XXXX XXXX : {$380.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

One picture being worth a thousand words, here is a transcript of my monologue with TransUnion so far ( it is now XXXXXXXX XXXX, and this ordeal began before the chat, when I tried to perform the simple ( on the other Bureaus ' websites ) transaction of temporarily unfreezing my credit, so that I might obtain a mortgage prequalification from my credit union. They can't process two out of three -- it has to be all three. 

One moment while I transfer you to a live agent. 
XXXX XXXX  TransUnion Chat - XXXXXXXX XXXX Thank you for your patience. Due to higher than usual volume, your estimated wait time is 46 minutes. An agent will be available to assist you as soon as possible. Did you know you can get answers to most questions and complete requests such as Freeze & Unfreeze Credit, Dispute Credit Report and more by logging into our self service portal? Please click here for more information XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX This is and always has been by far the worst of the three credit bureaus! Just trying to temporaily unfreeze my credit is an ordeal. 
The website sends me to customer service. Customer service 's bot tells me to go to the website. 
Meanwhile, your horrible, tinny music is drowning out the news while I'm on terminal hold on the telephone, waiting for SOME KIND of PROMPT CUSTOMER SERVICE!! 
You - XXXXXXXX XXXX I know that's not the fault of whoever is answering this, but I hope your " management '' is seeing this, " for training purposes ''! THEY'RE THE ONES IN NEED OF TRAINING!! 
I LOGGED INTO YOUR " CUSTOMER SERVICE PORTAL '' -- that's what sent me to your EQUALLY USELESS telephone number. Why is a simple action that takes seconds on the other two bureau sites always torment, on yours?????? 
You - XXXXXXXX XXXX This is the message on the website XXXX XXXX XXXX XXXX XXXX, under the tab " Credit Freeze '' : ______________________ " Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX XXXX. - XXXX XXXX and Saturday - Sunday XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. '' ______________________ Please note that there is no way to turn off their horrible, loud, tinny " music, '' which pauses intermittently only to tell me how " important '' my call is to them, and that there is still no response from " customer service '' ( chat ) on their website. 

This behavior is chronic, on TransUnion 's part, and needs to be addressed. Consumers have a right to prompt access to their credit accounts and reports, and this is a simple process that could be handled easily by the robots that substitute for competent human beings on their website. There is no excuse for a ( promised above ) " XXXX delay '' -- and this is NOT " customer service '' -- it's customer abuse.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to remove listed incorrect information on my credit report. 
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Consumer complaint received 2024-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Please delete the following accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX