davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MD)

Shellpoint Mortgage is the company. A very small portion of my mortgage payment was late XX/XX/2021 because the amount I had to pay went up slightly and I missed any warning this was going to occur. I paid the amount I missed the following month as well as a {$110.00} late fee and they still reported me to the credit bureau and damaged my credit. Even though Im sure they sent an email, I get a lot of similar emails and I simply missed it. Since then, I overpay by at least XXXX XXXXXXXX because Im still missing these communications. It seems very harsh to have to still deal with this knock on my credit after I did everything I knew to do to rectify the situation.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : inquires not mine 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 Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} Status Collection account. {$61.00} XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$6100.00} XXXX Account charged off. {$6100.00} written off. {$6100.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1900.00} XXXX Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1300.00} XXXX Account charged off. {$1.00}, XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$960.00} written XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3900.00} Status Account charged off
Consumer complaint received 2024-07-09
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. (GA)

I am writing to express my deep concern regarding the disputed accounts on my credit report. On multiple occasions, I have raised the issue of inaccuracies in these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Subject : Dispute for Late Payment Reporting on Charged-Off Account Dear XXXX XXXX  Dispute Resolution Team, I am writing to formally dispute the recent late payment reporting on my charged-off account that is currently in collections. After initiating a dispute for incorrect information on this account, I was pleased to see that XXXX XXXX updated the information on XX/XX/XXXX. However, my satisfaction was short-lived, as on XX/XX/XXXX, you reported a late payment on an account that has already been charged off and is in collections. 

This late payment notation has had a significant and detrimental impact on my credit score, causing it to drop by XXXX points. As a result, I have lost my pre-approval letter, which was crucial for providing for my family 's needs. This sudden decrease in my credit score is creating substantial financial hardship for me and is negatively affecting my livelihood. 

I urge you to investigate this matter urgently and rectify the situation by removing the late payment notation from my credit report. It is essential to correct this error promptly to restore my credit score to its previous status and enable me to regain my pre-approval letter, which is vital for my family 's well-being. 

I am prepared to provide any necessary documentation to support my dispute and facilitate a swift resolution. Please consider the significant impact that this late payment notation has had on my financial situation and act promptly to rectify this issue. 

I look forward to your prompt response and resolution of this matter. Thank you for your attention to this urgent issue. 

Sincerely,
Consumer complaint received 2024-05-22
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. (CT)

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX i called to close my account due to suspicious activity. ( My savings was drained of XXXX $ ) I told them i had received a call prior from usaa calling to confirm some activity on my account with a few things like my address verify link etc ( all through a usaa number and usaa texts ) I told them i had been hacked and to lock the account out and that i had lost XXXX and my checking was still in the positive of over XXXX. Later on that day i received a call from usaa which i thought was going to be that they unlocked my account and returned some of the money that i had or, a day that my account would be back to normal but it was far from that. The call i received was them saying i had a negative balance of XXXX and that I was responsible for covering it! ( I received this call within less than 24 hrs ). I have called EVERY SINGLE DAY since and i have got no answers! Once i spoke on the phone a usaa representative told me that she lost XXXX once if it makes me feel better and that scammers are getting smart, basically verifying that they do know that its scam. Few days later i was talking to a supervisor and she said that usaa advises members to not give out info ( although she said that the scammers do use the usaa number and usaa voice so how was i supposed to know? ). And a little about me ; im XXXX XXXX XXXX i work XXXX jobs and have been for a while with a steady income, im in college, and i live on my own. I havent been able to get gas or groceries for over a few weeks and when i called to tell them this they didnt do anything i was in tears! I cant even get a loan out to cover this because i am too young! I havent been able to pay rent! Anyway, XX/XX/XXXX they sent a message saying that there was XXXX charges that were not fraudulent equaling to XXXX XXXX First of all i didnt have that much in my account to begin! Second my account is XXXX $ negative thats almost a XXXX difference it almost seems like they just think i will pay this off and move on! And if its only XXXX that isnt fraud why is it negative XXXX that doesnt even make sense! At this point im beyond XXXX and im ready to call a news station ive been crying for days because i feel like they wont listen to me because i am young. I have been a customer for 3 years and i have NEVER been overdraft and always have a steady flow of money coming into my account. Please help.
Consumer complaint received 2024-05-22
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. (AZ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

XXXX, XXXX, & LexisNexis continues for years to lie or they have made a mistake and verified this public record as accurate when the dates are ( incorrect XXXX has date as XXXX ) first inaccuracy : wrong date ( XX/XX/year> ) ( correct date : XX/XX/year> ) and the spelling of the name is different spelled ( wrong XXXX ) inaccuracy : XXXX ) ( correct spelling : XXXX ) from the legal name and in fact Experain claims to verify this inaccurate information with the Courts today I will prove XXXX wrong I have disputed the public records with the XXXX Bankruptcy XXXX who is the actual source of this public record information and they stated they never share anyones public records information with any credit bureaus nor do they verify or validate any public record information only with Government officials. This account is in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. ( 1 ) Reinvestigation required. ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer. I will upload copies of the letter from the XXXX XXXX XXXX XXXX stating they dont verify or validate public records information with any credit reporting agencys and I will upload a copy of the public record to show inaccuracys such as wrong dates and wrong spelling of my legal name and XXXX inaccuracy the reference # on Experain is different then on the official public records document as well ( reference # is wrong XXXX ) ( correct reference # is XXXX ) and XXXX sent me an email stating they refused to allow me to dispute the public records because of lack of proof of inaccuracys and lack of specific information and I will upload the time XXXX verified with inaccurate public records information for years on going violation of my rights according to the fair credit reporting act!
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (CA)

FIRST PROGRESS IS REPORTING A COLLECTION ACCOUNT ON MY CREDIT REPORTS. 
IM UNAWARE OF THIS DEBT, I DID NOT HAVE THE OPPORTUNITY TO ADDRESS THIS INFORMATION. 
IF IN FACT YOU BELIEVE YOU GAVE ME PROPER NOTIFICATION, THEN PLEASE SEND ME THE CERTIFIED RECEIPT WITH MY SIGNATURE ON IT.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

In XXXX of 2023 my debit card was charged {$500.00} three times and one charge for {$1000.00} on my Truist debit card. No fraud alerts were sent to me asking if I was the one making withdrawals. XXXX XXXX XXXX ( XXXX  ) who I did business with in the past claimed there was a glitch.they apologized and said a refund would be issued. I sent Truist all of the responses I got from this company. I sent emails to XXXX... well we are almost in XXXX... they credited my account {$2500.00} but the case is still not resolved..their customer service says there are waiting to hear back from the company... really? What if they went out of business? So my thing is, what are they going to tell me? We denied your claim because we have not heard from merchant? I already told Truist what my next step will be if they deny my claim and take back the {$2500.00}.
Consumer complaint received 2024-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (GA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (MD)

Truist Bank was contacted in reference to a mortgage loan/account about a payment that was overlooked, although all other payments were submitted on time or before time. We reached out as to a courtesy of the removable of a 30 day late notation that hit our credit reports.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I canceled both XXXX subscriptions and Im still being charged for them. I have reached out to both the credit card company and XXXX and I am still being charged.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (FL)

I have an installment loan with Conns XXXX XXXX. My payment is due on the XXXX. I started getting calls for my payment being late on Friday which was the third day late. The calls started Friday and have went on everyday till Monday 7-8 times a day. I was sick with Covid so hadnt got around to it and when I answered them Sunday I explained to them that this is harassment calling 8 times in a day, especially on a Sunday & that payment would be made Monday. I received 7 calls Monday before I made my payment at XXXX. I called to talk to a supervisor to explain my frustration on the numerous calls I was getting and to notate my account to not get anymore calls.
Consumer complaint received 2023-07-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.
Consumer complaint received 2024-05-22
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)

I am formally disputing and requesting the immediate removal of this fraudulent account from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Additionally, I have contacted the banks associated with the fraudulent account. 

The banks have acknowledged the legitimacy of the identity theft report and identified a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which has mistakenly been on my report for over five years. 

However, this fraudulent account still appears on my report under your bureau, and I am curious about the confirmation process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent account since the submission of the required documents. What actions are you taking, as your bureau continues to report this account. XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

I am filing a complaint against JP Morgan Chase regarding their unwillingness to provide information on a vendor 's lien they presumably acquired from Washington Mutual. This lien is associated with the property at XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, originally under XXXX XXXX XXXX  Loan # XXXX. Chase 's lack of cooperation is preventing the resolution of a complex title issue. 
Key facts : Property address : XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Original loan number : XXXX XXXX XXXX  Loan # XXXX XXXX : Vendor 's lien originated with XXXX XXXX XXXX XXXXXXXX : XXXX XXXX Mortgage acquired by XXXXXXXX XXXX XXXX XXXX XXXX XXXX  acquired by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX assets acquired by JP Morgan Chase through FDIC Loan maturity date : XXXX Primary issue : JP Morgan Chase has refused to provide any information about this lien or mortgage, despite having acquired XXXX XXXX XXXX XXXXXXXX. Their unresponsiveness includes : Denying any record of the XXXX XXXX XXXX ( Loan # XXXX ) on the aforementioned property Failing to provide information on any assignments since XXXX Unwillingness to assist in resolving the title issue for XXXX XXXX XXXX This XXXXefusal to cooperate is causing significant problems : Unable to clear title on the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX not satisfy the title company 's request for a lien release Potential financial and legal implications due to unresolved lien status Chase 's lack of accountability for assets they acquired is deeply concerning. As a major financial institution, they have a responsibility to maintain accurate records and assist customers with issues related to acquired assets, including this specific loan and property in XXXX XXXX. 
I request the OCC to : Investigate Chase 's handling of this matter Compel Chase to conduct a thorough search of their records for Loan # XXXX and the associated property Require Chase to provide all available information on this lien Ensure Chase fulfills its obligations regarding acquired assets This situation highlights a serious issue in the banking industry : the loss of critical information during bank acquisitions. It demonstrates the need for stronger regulations on record-keeping and customer service obligations for acquiring institutions. 
Your intervention is crucial in resolving this matter and preventing similar issues for other consumers. I appreciate your prompt attention to this complaint.