davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TN)

In early XX/XX/2023, NewRez, LLC purchased my mortgage from XXXX XXXX XXXX. At the same time, I changed my home insurance provider from XXXX ( XXXX ) to XXXX XXXX. NewRez was notified of this change but failed to update their records. Consequently, they did not make the insurance premium payment to XXXX. 

My insurance agent, XXXX XXXX, reached out to NewRez multiple times in XXXX and was assured that the payment to XXXX would be made on time. However, the payment was never made. On XX/XX/XXXX, XXXX and I contacted NewRez in a three-way call, informing them that they needed to make an overnight payment to XXXX to prevent the insurance policy from lapsing. NewRez agreed and apologized for their mistake. When XXXX inquired why this happened, they explained that they were too busy due to their recent loan acquisitions. 

It is now XX/XX/XXXX, and XXXX has not received the " overnight payment. '' XXXX contacted NewRez and received a check confirmation number : XXXX, and was informed that the payment had been made. However, when I contacted NewRez separately, I was told that an ACH payment had been made with the reference number XXXX. XXXX XXXX says that NO PAYMENT has been received. 

Today, I paid the insurance premium myself since the policy had been canceled. My payment, made via credit card for {$1500.00} ( confirmation number : XXXX ), reinstated my home insurance policy. NewRez now owes me a refund and a very heartfelt apology. 

NewRez loan number : XXXX Grange Insurance Policy number : XXXX My insurance agent is XXXX XXXX at XXXX XXXX ( phone : XXXX ).
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 provides important protections for consumers ' privacy rights.

604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681b ( a ) ( 2 ), states that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written consent for such disclosure.

Section 1666b of Title 15 of the United States Code prohibits creditors from treating a payment as late for any reason under an open-end consumer credit plan.

My rights to privacy and consent have been violated.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX 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 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

In XX/XX/XXXX I was presented with an offer in the Capital One mobile app offering me 6 months of XXXX XXXX ( premium {$9.00} monthly service ) credits if I signed up. I signed up and cancelled early ( XX/XX/XXXX ). 5 months later I was presented with an identical offer stating another XXXX  months free of XXXX XXXX credits were available to me. This advertisement insinuated that this trial was available again to me for another XXXX  months. I signed up again in XX/XX/XXXX by clicking the promotional advertisement that was re-offered to me for XXXX  months free. I received my XX/XX/XXXX reimbursement of {$9.00} but never was reimbursed for XXXX, XXXX, or XX/XX/XXXX for total charges of {$29.00}. I called Capital One XX/XX/XXXX asking about this reimbursement and they informed me that I had already used the promo trial and I will be responsible for the remaining months, despite presenting a promotion insinuating that I'm eligible for another 6 months. They agreed to credit one month for {$9.00} but not the remaining months. I feel this promotion was completely misleading and false. Had they not presented it as another 6 months of the credit ( 5 months after I had already cancelled the trial ) I would never have clicked on it. I would expect them to change their promo to myself and others who have cancelled mid trial to state something like " You have 2 months remaining of credits '' and not present in a way that you have another 6 months. I'd also expect them to reimburse me for this misleading marketing. 
Capital One employee who helped and case number listed below XXXX XXXX ID XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Aligned Company DBA Extra (MI)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXXXXXX XXXX XXXX XXXX on XXXX XXXX, # XXXX XXXX  on XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  on XX/XX/2022 # XXXXXXXX XXXX XXXX XXXXXXXX on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2018-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

inaccuracies disputed with TransUnion. 

MEDICAL Open Since XX/XX/XXXX Account Status Derogatory Current Balance {$96.00} Account Details MEDICAL Collection XX/XX/XXXX XX/XX/XXXX {$96.00} - Individual Payment Details ollection/Chargeoff MEDICAL Open Since XX/XX/XXXX Account Status Derogatory Current Balance {$110.00} Account Details MEDICAL Collection XX/XX/XXXX XX/XX/XXXX {$110.00} - Individual
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The inquiries are unauthorized and they are not related to any transaction by me 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
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-18
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. (IN)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-12-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN HONDA FINANCE CORP (CA)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX. -EIN # XXXX, XXXX file # XXXX, XXXX index key number XXXX. 
Undersigned by XXXX - XXXX XXXX XXXX. 

XXXX XXXX of XXXX XXXX, is the actual location. 
Sales manager was made fully aware when I went in to get the XXXXXXXX XXXX XXXX XXXX What my name and number and information was, I explained in detail and gave them paperwork of proof and law and legal documents about security and consumer protection and rights, and the Truth in lending and truth in credit acts before I gave them my Social Security number. They gave me the full word and honor that they were not going to deny me at all and to relax while they get my car ready. XXXX minutes go by and they start giving me lies and fraudulent Car XXXX  talk as they are XXXX  and XXXX XXXX. I have proof and recording of the conversations. And the manager too was an XXXX  liar. This whole company is committed to a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sales manager, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXXXXXX, California.
Consumer complaint received 2023-12-13
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. (WV)

Please remove Non Mailable Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Pursuant to 15 USC 6801- Protection of Nonpublic Personal Information.

15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : Remove Hard Inquiries, Pursuant to 15 USC 1681- Permissible Purpose. 
Update Accounts as PAID AS AGREED : XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681.
Consumer complaint received 2023-07-13
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the fair credit Reporting act Capitol One Account # : XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a a payment on a credit card account under an open end consumer credit plan as a late for any purpose
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

In the month of XX/XX/2021 I was in the XXXX  with XXXX XXXX for about 20 days. I was 30 days late on my Wells Fargo credit card bill. Now I am trying to buy a house its really effecting my credit score. Can Wells Fargo please remove this late charge from my credit report as a one time curtesy! I have never been late on any of my statements! I hope you will understand and will help me with this matter!
Consumer complaint received 2023-05-25
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (CT)

I purchased an item on XX/XX/2023 in the amount of {$1600.00}. I tried to return the items & couldn't. I disputed the charge with XXXX XXXX and the dispute was not resolved in my favor. I've paid for this. On XX/XX/2023 I was incorrectly rebilled the amount of {$1600.00} for the same company. I contacted XXXX XXXX and XXXX them about this inaccurate duplicate rebilling and was told that they had to open another dispute. I've not been given any conditional or other types of credits. I've not been given any assurance from XXXX XXXX that I won't be responsible for the duplicate rebilled charge and I don't trust them to accurately investigate this situation. This is an error on XXXX XXXX part. 



I
Consumer complaint received 2023-12-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ResidentCollect, Inc. (NC)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. Innovative Recovery acct # XXXX
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (IL)

On XX/XX/2023, I mailed a Certified Debt Validation Letter to Spring Oaks Capital via the United States Postal Service, and it was delivered on XX/XX/2023. I received a response from Spring Oaks Capital LLC on XX/XX/2023. However, the information I received was invalid, as I had requested the following details : To whom do you think I owe this debt, and what amount do you claim I owe? I will need the name, address, and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address, and account number for the original creditor, the amount owed, and the date when the debt was transferred. 

Please provide a valid basis for the debt, such as the original contract between me and the original creditor. Tell me the date the debt became delinquent and the date of the last payment. 

Provide me with a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 

If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and the amount paid for each item. 

Does your agency have a debt collection license in Illinois? If so, please provide the name on the license, the license number, and the telephone number of the state agency that issued the license. If you do not have a license, please explain why. 

However, I only received a billing statement, which is not proper validation for a debt validation letter. I then followed up with an additional Certified Debt Validation Letter on XX/XX/XXXX, and it was delivered on XX/XX/XXXX, giving Spring Oaks Capital LLC 15 more days to validate the debt. However, we are now past the 15-day mark with no response from Spring Oaks Capital . Despite several attempts to validate this debt, I have not received any communication, and this unknown debt remains on my credit report, which is a violation of my rights.
Consumer complaint received 2022-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (IL)

I have notified Castle Credit Co Holdings , LLC that I was a victim of identity theft and have notified mailed them by mail numerous times. I have never received any responses from Castle Credit Co Holdings , LLC and I know they received my documents as I mailed them through XXXX XXXX XXXX Certified Mail with Return Receipt request and was signed for. I reported the Identity Theft, as requested by law enforcement, through the Federal Trade Commission, Identity Theft Report Number : XXXX, on XX/XX/XXXX and mailed them a copy of it. I have still not received any documentations that I requested about this fraudulent account which was reported to the major credit bureaus and was how I found out about the fraud accounts. I recently contacted an attorney to ask questions on why Castle Credit Co Holdings , LLC would not respond to me, and he said there probably most likely is a lien on your home and he was right. Today, XX/XX/XXXX, I did search the XXXX XXXX XXXXXXXX XXXX XXXX website as I own an investment property in Tennessee but reside in Illinois. The XXXXXXXX XXXX XXXX dated XX/XX/XXXX, states that this is a {$15000.00} XXXX XXXX XXXX XXXX I did not authorize nor have anyone install anything at that home nor is anyone allowed to alter anything at the property I own. This is a fraudulent XXXXXXXX XXXX and Castle Credit Co Holdings , LLC was notified by mail before the filing of this XXXX XXXX  Statement and/or Lien on XXXX investment property.
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CO)

Upon recently contacting Pinnacle LLC in XX/XX/XXXX to resolve a debt from XX/XX/XXXX, my XXXX, XXXX, was given incorrect and misleading information by the employees that took her payment and information that day. This is her statement : " I called the company, expressed a desire to inquire about a settlement amount, and was told I was being connected to the department that handles account payoffs/resolutions. I was told by whomever answered the phone when transferred, by Pinnacle LLC, that it would be removed from our credit report, and that support of that would be sent via the mail and email. 

When nothing arrived, and the debt remained, ( though it is being reported as paid via settlement arrangement ) I contacted Pinnacle LLC on XX/XX/XXXX, and was informed that it was not their company that made that promise, or financial arrangement, but rather a company called " XXXX '' and that the information is slated to remain on our credit report until XX/XX/XXXX. I also was told, no less than 5 times, a phrase that was not mentioned at all when I contacted XXXX in XX/XX/XXXX to resolve the debt ... that their company " does not have a pay to delete program '' I informed the supervisor that I spoke to on XX/XX/XXXX that I found it odd that phrase was not said once when I 'd called before, and that it was almost comical that it was being said repeatedly, and that obviously that is a problem they are used to arguing with clients who trying to resolve their credit reports. 

To reiterate when I called to pay off this debt, at no time was I aware, nor did that person disclose, that I was being connected to another company, called " XXXX '' - a company which is not listed on our credit report, and one that Pinnacle does not have the right or legal authorization to allow them to handle payment of our funds, nor, as far as we can tell, who has permission to collect on that debt.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (NY)

I purchased a new vehicle back in XX/XX/XXXX from a XXXX dealership in XXXX, NY. I traded in a XXXX XXXX XXXX. I had a balance remaining. I made my last payment in the amount of {$340.00} on XX/XX/XXXX. The XXXX dealership paid the remaining balance off. They mailed a check to GM Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX in the amount of {$3700.00}. The check was cashed by GM on XX/XX/XXXX. I have copies of the deposited check. GM was over paid by {$590.00}. I have contacted GM several times regarding my refund. I still as of today XX/XX/XXXX have not received the refund. I was now told that GM will  not process the check until XX/XX/XXXX. This is unacceptable. I paid this vehicle off 2 1/2 months ago. I should not have to wait this long for my money. As I'm writing this complaint GM has me on hold. I can not believe they can take advantage of a consumer by holding their funds for an extended period of time. They just hung up on me after waiting over 15 minutes on hold. Please have them expedite my refund. I do not want to wait until next year. If you need copies of the documentation I have all of it. 
Thank you XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lefkoff, Rubin, Gleason, Russo & Williams, P.C. (GA)

Why are you indicating that XXXX XXXX XXXX XXXX XXXX has a past due balance of {$19000.00}? How is this even possible? I have attached COURT documented proof that this account has a settled balance of {$15000.00} & should have a current balance of {$0.00} due to a payment made on XX/XX/XXXX, XXXX I demand that you update this account or delete the account immediately according to 15 USC 1681e ( b ). Why are you reporting a derogatory mark in XX/XX/2023 as " Charge Off ''. This is incorrect because a payment was made on XX/XX/2023. I demand that you updated this account and mark this account as current for XXXX XXXX XXXX XXXX XXXX? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if you are reporting the wrong balance, and an incorrect derogatory mark? You must provide me with an answer of why you are reporting this. I request that you MAIL your investigation results to the address listed above. I have attached a social security card, drivers license, and passport that proves my identity and my only accurate address.