davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (TN)

My HELOC account was transferred from XXXX ( XXXX XXXX XXXX ) to Shellpoint on XX/XX/XXXX. The loan was not accessible between XX/XX/XXXX and XX/XX/XXXX. I received an email on XX/XX/XXXX stating that the loan was accessible. The ACH payment information did not transfer as their previous communications stated so I manually paid my payment online of {$540.00}. I logged in on XX/XX/XXXX to verify a payment had posted correctly only to find my payment due on XX/XX/XXXX is {$680.00}. I contacted customer service twice ( chat and phone ) and no one can give me a statement for due date of XX/XX/XXXX. Online statements are not accessible. Basically, nothing is accessible online ( they say ) because it was just transferred 15 days ago yet their website shows the amount of payment due for XXXX. They said it had not been generated yet but their website is showing a payment. So, how can that be? I feel like something is not right with this new " Shellpoint '' company. The chat representative stated that I had an interest only loan and that is not true. My payment has NEVER been that high, even on the first payment of the HELOC in XXXX. No one can answer any questions and they can not provide a statement which I feel is a violation of consumer rights.
Consumer complaint received 2024-05-31
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. (NY)

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 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to inform you that there is 100 % improper use of the credit report Attached to the XXXX XXXX AND EXPERIAN have 1000 % violated the FCRA AND I IM HIGHLY PISSSED ABOUT THIS, 15 U.S. Code 1681 states thats companys are to report accurate information across all 3 bureaus on the credit report and dates are not accurate across all 3 bureaus I have enclosed proof highlighted, attached below, I want all these fraudulent incorrect XXXX accounts and inaccurate inquiries from the credit report with no fraud remarks or disputes comments remarks left on the credit report within 24hr of receiving this, yes I want the entire accounts fully whipped, attached below are proof supporting this statement,15 USC 1681 section 2 Also states company can not furnish a account without my written consent and I never gave any consent, section 602 also states I have to right to privacy.As instructed on your website Ive also enclosed documentation providing proof of my current address, social security, drivers and driver license. 


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  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2024-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (CA)

I keep getting calls from this people throughout the day. Im also receiving letters in the mail, the latest one dated XX/XX/XXXX, apparently their company name is XXXX XXXX XXXX XXXX in XXXX, AL they have the reference number XXXX. Theyre trying to collect a debt from XXXX that I already paid to XXXX ( I have the XXXX confirmation email from the transaction, as well as the record that the money was debited from my account ) This latest letter and their calls are constant and should stop immediately. I wrote back to them and provided the copy of the confirmation email. I tried calling but they didnt answer and the provide no email or website on their letters.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I recently requested for a correction to be made on my credit report because I was showing 2 credit inquiries showing on my credit report. The bank recently closed my business bank account which they had sent me a pre approved letter for business credit. Then they proceeded by denying my application and giving me 2 credit inquiries while at the same time sending me a " end of business '' letter where they didn't disclose why they were discontinuing doing business with me. I think its completely unfair for them to promote pre approved credit, have me apply, and then stop doing business with me while at the same time reporting a hard inquiry to my credit report not just once but twice. I need both hard injuries to be removed. Bank of America is destroying me chances from continuing business else where.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS (FL)

I am writing to formally file a complaint against LexisNexis for for their failure to provide a timely reinvestigation process regarding an inaccurate bankruptcy reported on my credit file, on XX/XX/XXXX i sent a letter asking LexisNexis for a reinvestigation and description process used to verified a bankruptcy in my file and i never recieved any answer, this is a clear violation of the Fair Credit Reporting Act ( FCRA ) : Disputed Bankruptcy Information : Bankruptcy Case Number : XXXX Filing Date : XX/XX/XXXX Status : XXXX through Bankruptcy XXXX XXXX 1-Violation of 15 U.S.C. 1681 ( a ) ( 4 ) and 1681o : The inaccurate bankruptcy on my credit report constitutes a significant error that has adversely affected my financial standing and reputation. LexisNexiss failure to correct this error despite my repeated requests is a breach of their statutory duty to ensure accurate reporting. 

2-Violation of 15 U.S.C. 1692g : I have not received the required validation and verification of the debt associated with the inaccurate bankruptcy, as mandated by the FCRA. LexisNexis has not provided any documentation or evidence supporting the reported bankruptcy. 

3-Failure to Reinvestigate in a Timely Manner : LexisNexis has not complied with the requirement to reinvestigate disputed information within the 30-day period stipulated by the FCRA. This delay has caused undue stress and financial harm. 

4-Violations under FDUTPA and TILA : LexisNexiss actions constitute unfair and deceptive practices under FDUTPA, as they have misrepresented the accuracy of my credit information. Additionally, the erroneous reporting may have affected my ability to obtain credit on fair terms, thus violating the provisions of TILA.
Consumer complaint received 2024-05-30
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX Full address XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida XXXX Full social- XXXX XX/XX/year> CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXXXXXX XXXX fraudulent account XXXX XXXX XXXXXXXX. XXXX fraudulent account XXXXXXXX XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX  XXXX and XXXX XXXX XXXX XXXX were both reported late. Neither should have. I was advised from XXXX  XXXX because I was on a credit protection since XX/XX/XXXX that didnt go through successfully for good faith I should ask to be remove by a XXXX  XXXX representative. I lost my job in XX/XX/XXXX and just got divorced I have been in a XXXX  XXXX as I was left to care of my XXXX kids alone. I ask now I am on track and trying to move my family away to XXXX  and start over please to remove the late payments. Both accounts are up to date. The balance of XXXX  XXXX is XXXX not sure why its not updated. Please give me hope to move forward with my life as I have been the lowest and just now getting back to having reasons to live. I understand fully the importance of credit and will maintain a positive report moving forward this is a huge hurdle with doing so when I was registered to be protected.
Consumer complaint received 2024-07-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CrossCountry Mortgage LLC (FL)

I have been in a loan modification for the previous year and a half. The mortgage company continuously delays my application, continuously stalls, and has elongated the process for over a year and a half. They now decided to deny my modification because of the terms of the loan. They directly put us in this situation! At that point I was requesting a payment plan to repay the mortgage and now theyre telling me that I have to pay {$44000.00} or sell my home. I think this is unacceptable and they should be held accountable! This is directly related to their underwriting practices long delays and stall methods that have put us in this situation!
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (IN)

I have reached out to this company on multiple occasions and have gotten no response. I am well aware that if a creditor sold my collection or charge off information without my knowledge or consent, I have the right to dispute it under the FCRA. Please refer to section 623 for the responsibilities of information furnishers and Section 611 for the dispute procedure. These sections ensure the accuracy of my credit report and my right to challenge inaccuracies. Please investigate and verify the accuracy of this information.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Chase bank allowed a ticket purchase on my account for XXXX and something dollars I disputed it They gave me a credit and a month later after my bank went overdraft they took out the credit and said that I used an XXXX  device to purchase the tickets with my face and that is why they took back the credit however, I did not purchase the tickets it was not me on my account and I do not have an unlock passcode on my phone phone
Consumer complaint received 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MO)

I called Edfinancial almost two months ago to request a change to my payment plan where I would be switched to a standard payment plan. They have still not made the change.

I have been calling non-stop for the last week. I was able to get a hold of someone weeks ago who reassured me that my change would be processed in two weeks. It still has not happened.

I have been calling Edfinancial and can not get through to anyone. Last Friday XX/XX/XXXX I was on hold for over two hours. Today on XX/XX/XXXX I was on hold for 7 hours after being told my wait time would be 175 minutes. Nobody answered and ultimately my call was dropped or I was hung up on at seven hours on hold.

The times I have requested a call back my phone rings briefly or they never call back.
Consumer complaint received 2024-07-18
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (FL)

I have tried several times to get verification of this debt from the debt collector. I asked them to send documentation that included my signature and they refused. After refusing to provide verification they flagged my credit, as well as marked it as a refusal to pay. I disputed this collection with the credit bureaus in both XXXX and XXXX
Consumer complaint received 2024-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

We earned Most Valuable Payer coupons totalling {$890.00}. We called to redeem them and XX/XX/XXXX transferred {$7900.00} as a payment and mailed the coupons per their instruction. Instead of paying off the loan as they said they would, they refinanced it without applying the coupons. They are charging us late fees and now we are not even able toog onto their site to just pay it off and be done with this.
Consumer complaint received 2022-08-10
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. (CT)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # 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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercury Financial Intermediate LLC (OH)

I reached out to Mercury Financial on XXXX because i received a notification that Mercury had updated my credit report on XX/XX/2024 from paid settlement to in collections/charge off. I settled the account out in XXXX of 2024 so i was very confused when i got the notification. I called and asked that they remove the entire account from all XXXX of my credit reports because they are reporting incorrect information. I was advised i can see what we can do and will be in touch within XXXX. Unfortunately I have not received any type of notification from Mercury and my credit report is still reflecting negative incorrect information. They are reporting my account as being closed out with a {$0.00} balance with a credit limit of {$2300.00} that's incorrect. My account status is listed as paid but current payment status in collections/charge-off. Due to the errors listed in my credit report for the account above. At this time I am making the last request to have the entire account and its information removed before I am forced to take legal matters.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (FL)

On Saturday, XXXX XXXX, 2024, at approximately XXXX am, someone knocked on my door and served me a court document about a fraudulent account that was opened in my name stating CKS Prime Investments , LLC VS XXXX XXXX XXXX. When I asked the person what this was about, they mentioned that a credit card company named XXXX was trying to sue me or collect a debt for which I have no knowledge. This credit card was taken out with XXXX and then sent to a collection agency called CKS Prime Investments. On Monday. I called CKS Prime Investments to understand the situation. They couldn't assist me and directed me to contact to their attorney, XXXX. CKS Prime investment also mentioned that they are also called XXXX. When I called XXXX, they asked if the account was fraudulent, and I confirmed it was since I hadn't opened it or have ever heard of this credit card company. They began detailing the purchases made with the credit card, including transactions at XXXX and payments to XXXX. I immediately knew it was fraud because I have never used my card to pay the light bill ; my siblings used to handle that, and now my spouse does. So, was certain the account was fraudulent. XXXX informed me that they would send a fraud document form for me to fill out and return, but I have not received said document as yet. They said the company would then investigate the source of the fraud. That concluded my conversation with the attorney. I am writing to see if there is anything you can do to help, as this is the second court document I have received for a fraudulent account in my name. I would greatly appreciate any assistance you can provide. Thank you very much for your support and understanding in this fraudulent situation.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (OH)

I had a dispute and they said 90 days and I asked for a provisional credit and they refused. I dont have 90 days to wait. I had even asked if they could just reverse the transaction and they wont. I have a feeling they are taking me for a ride. They claim they cant do anything to help me and I happen to know that is not true from having another account that Im getting my future deposits going to.