davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OR)

New Bargain and Sale Deed was awarded on my home of eleven and a half years to my young son and myself. 

Oregon Divorce Court. XXXX County, XXXX XXXX. OREGON # XXXX - XXXX XX/XX/XXXX XXXX XXXX I would like to write one cheque and pay out loan. XXXX USD. 

Shellpoint Mortgage Service playing games. Requesting Court Docs. Emailed them 4x. 

XXXX XXXX did this for three years also. ( prior servicer on ex husbands loan ) Ex husband is a XXXX  XXXX  with XXXX XXXX XXXX. He also filed bankrupty on this loan in XXXX. 

My young son and I would like to move forward.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX 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 2023-09-17
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

I received a letter in my email from Synchrony Bank that they closed my account after reviewing my credit report. I've had this account for months and payments were never late, nor has any other open account I have been late. I called the bank and the first agent I spoke with tried to say there were late payments reported to Synchrony Bank from the XXXX credit bureau. The manager I spoke with kept hiding behind the company policy that they have the right to close accounts at their own discretion. I pulled my credit reports after the phone call to find out the bank LIED and there are NO accounts with any late or missed payments. 

The bank could have reached out like others do to check in on my income but they didn't. And they should have since I recently gotten a promotion in my job. I will never do business with this bank again, never recommend them, and they really need investigated for these shady and dishonest business practices!
Consumer complaint received 2023-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IN)

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. Based off the FCRA, the XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the fraudulent XXXX that have been filed XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has violated my rights. These are items of identity theft the case numbers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 602 A states that I have the right to privacy 15 USC 1681 I states that if an item is unverifiable it must be deleted 15 USC 1681 604 A section 2 states a consumer financial agency can not furnish an account without my consent. 

If you have any questions or concerns I can be reached at XXXX XXXX XXXX
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I attempted to call AMEX customer service via phone on XX/XX/XXXX and spoke to a supervisor with no success. 
Amount in dispute as of XX/XX/XXXX is {$5500.00}. 

I received the XXXX 10 % cash back offer on my XXXX XXXX card. I possess numerous Authorized accounts that had the same offer. AMEX allows the primary account holder to add additional members to their accounts. Each new member would receive an unique account number and treated as an additional authorized user. I added the offer to each of additional member 's account and made the eligible purchases and received credits. 

On XX/XX/XXXX, I received 42 emails telling me to expect reversals on those credits that I received. As of XX/XX/XXXX I noticed {$5500.00} in reversals. 

The fine print of the offer states the limit was per card member than primary account holder or " card across all Amex Offer channels ''. 

Members receive a notification email for each qualifying purchase. The email states that " if they meet the terms of the offer, you will have successfully redeemed the offer '' by logic, if terms are met AMEX will issue the credit. AMEX proceeds to issue a credit a few business days after the notification email. The credits would serve as a notification that the member qualified for the said offer. 
Members have no reason to doubt they did not the meet the terms of the offer due AMEX issuing the said credits. 

XX/XX/XXXX AMEX decides to change terms and condition of the offer and processes reversals on all the issued credits almost 3 months later. I consider this a breach of contract.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive have contacted the XXXX XXXX provider to report accurately report account status to all major credit bureaus. The company denied my request and stated they have the right to not report at this time.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # : XXXX, Account name : XXXX XXXX  # : XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I had US Bank Skypass Visa Signature Card # XXXX XXXX XXXX XXXX with 12 month anniversary payment date XX/XX/2023. I wanted to close the account prior to due date and called Customer Service on XX/XX/2023 to close the account. Agent asked me the reason why I want to close the account and I told this agent that I have many other credit cards and I don't want to pay renewal fee {$95.00}. Then agent suggested me to convert this Visa Signature Card to standard Visa Card which has no annual fee. He added that I will get {$95.00} annual fee reversal in 30 days. I trusted the agent 's remark and agreed to convert to Visa Card # XXXX XXXXXXXX XXXX XXXXXXXX. 
Renewal fee {$95.00} was charged and I paid. 
But this renewal fee for Skypass Visa Signature Card has not reversed. I called the Customer Service in XX/XX/2023 and XX/XX/2023. Finally, Cardmember Service Representative, XXXX XXXX sent me a letter that they are unable to waive the Annual Membership fee. 
If I had to pay renewal fee {$95.00}, why would I convert ( downgrade ) to standard Visa Card and still pay {$95.00} annual fee for nothing?
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX opened XX/XX/2020 account number XXXX XXXX this account was opened without my knowledge. I've tried reaching out to company and pleading my case they told me to make a police report which i did and also make a identity theft report with the FTC which I did. Recently I submitted a complaint with CFPB and the account came back as verified with XXXX and Equifax but XXXX came as not verified and was removed from report
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Chaparral Inc (OH)

Would buying the vehicle I was told that my payments would be reported to all three credit and it has not been I called the company asked if I can get any paperwork reporting my payments to my credit and they told me no when I have over a XXXX score on the other two platforms and this one I don't and it is really hurting me to move forward with my life
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope you are doing well as I write this. I'm writing to let you know about something that's on my credit report. I recently discovered late payments on my account after looking through my credit report. I think there might be a mistake in the reporting, and I'm asking for your help to fix it. 
I am dedicated to making sure that my credit report accurately reflects my financial conduct and I am aware of how important it is to keep an accurate credit history. But I'm worried that these late payments are hurting my credit and making it harder for me to take advantage of good financial chances. 
XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
If the investigation confirms that the late payments are accurate, I kindly request your assistance in providing information on how I can work to repair my credit and improve my credit score. I am committed to taking the necessary steps to ensure my financial responsibilities are met in a timely manner. 
I appreciate you taking the time to consider this. I'm grateful for your help in getting this resolved and keeping my credit record accurate.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my credit report, I have discovered that XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) has been added back to my report after I disputed the inaccuracy of the account in the past and had it removed. This unexpected reinsertion of the item is in violation of the Fair Credit Reporting Act ( FCRA ), which states that an item can not be reinserted onto a credit report without written notice by a credit bureau to the consumer within 5 days of the reinsertion. As such, I demand that this account be deleted from my report immediately in accordance with the FCRA. 

Please send me an updated copy of my credit report once this account has been removed. Failure to take appropriate action will result in legal action. I am well aware of the rights granted to me by the FCRA, and I intend to see that my rights are respected. Thank you for your attention to this matter.
Consumer complaint received 2023-10-02
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Healthcare Management, LLC (ID)

Got a call from phone number XXXX and it was clearly a scammer, as the did not have my name on file, and demanded that I provide my name or social security number as it is the law. Red flags everywhere, and wanted to report them for being a fake bill collecting company.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (LA)

see attached!! I've previously submitted a CFPB complaint on the credit reporting agency for reporting fraudulent transactions on my credit report although I've attached a copy of Identity Theft Report. These inquiries need to be removed from my credit profile promptly as it is my intent to seek remedy in this matter!
Consumer complaint received 2024-05-04
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CLGF Holdco 1, LLC (FL)

I contacted XXXX in XXXX. I contacted you in XXXX. It is XXXX now and I just got a letter from XXXX. You guys said you resolve the issue you fixed it Im delusional theres nothing going on all up in my head thats kind of funny because this is dated XX/XX/2024 and its from concordXXXX XXXX XXXXXXXX credit and its to XXXX XXXX but it says thank you for your recent application to concordXXXX credit account issued by XXXX XXXX XXXX. unfortunately, we were unable to approve your application at this time for the following reasons because I didnt know my name I didnt know my physical address I didnt know my birthday and I didnt know my Social Security number how odd is that that Ive been tracking my name since I am XXXX from the first time I purchased a television to my present life where are you guys say no one is using my name no one knew where it couldnt be one of these companies do in the ad XXXX you know who it is oh of course not your protection bureau you would never ever allow something like that to happen now I would share this is another figment of my imagination that I have a letter Ive got a copy for you a copy for me to approve this is an inside job I have a credit freeze on my can you go to dabble and someone elses life and leave mine alone you have destroyed it I know you guys get paid way too much money that you allow these companies to destroy us. Yall need to start paying taxes, so maybe thatll open up your eyes a little bit and you can see all the fraud thats happening before your eyes and to your consumers. Im going to keep on making these reports until you fix your mistakes and I dont know if you guys are doing your whatever I dont care. this is three times this year of 2024. This has happened. I dont know the company and it keeps happening. What are you guys doing?
Consumer complaint received 2024-05-04
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: WELLS FARGO & COMPANY (NJ)

I do not recognize these hard inquiries on these dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (IL)

I have no knowledge of whom or what this is. It seems as though, these types of companies are making a trend of emerging with bogus debts and false claims, aiming to adversely impact consumer reports.

This is seemingly a trending occurrence.
Consumer complaint received 2023-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Municipal Collections Services, Inc. (IN)

I received mail from Municipal Collection Services, LLC. ( MCS ) stating that I owe their client XXXX XXXX XXXX XXXX for a ticket. I have no knowledge of this ticket. I am disputing the validity of this debt that I'm alleged to owe. 

MCS is stating that this alleged debt has been referred to them. I have no idea what a 'referred " debt means as it relates to me being asked to create an account with MCS and making a payment for a debt I have no knowledge of. The letter also says their office will provide the name and address of the original creditor, if different from the current creditor, but the letter never names any creditor. 

It seems these are deceptive and misleading practices.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

my name is XXXX XXXX XXXX XXXX. I am a XXXX XXXX XXXX living breath XXXX born in the united state there fore I am afforded all of the rights put in place by our governmrnt and gaurenteed by my citizenship This Complaint is NOT A DUPLICATE I repeat THIS COMPLAINT IS NOT A DUPLICATE.In order for a complaint to br duplicated there would have to have been a finding of frivalousor a proper investigation would have had to be don for wich neither has taken place .It is my legal right to ask for evidence used against me wich i have done so on numerous occasions, but my request for evidence has been repeadetly ignored wich is a violation of my rights by XXXX XXXX  and the credit bureas Experian. 
XXXX**My credit report shows 2 late payments more than days late ****MY COMPLAINT IS THE DATA FURNISHER IS REQUIRED BY LAW TO PROVIDE ME EVIDECE OF AN INVESTIGATION AND IF THE CFPB WILL LOOK BACK THE WILL FINT THATS I HAVE BUT NOTHING HAS EVER BEEN FROVIDED IF THE CFPB LOOKS BACK I HAVE ASKED FOR EITHER THE APPLICATION WHERE I APPLIED TO BE JOINT ON THIS ACCOUNT OR AUDIO WHERE I VOCALLY REQUESTED TO BE JOINT, AND HAVE NEVER BEEN PROVIDED XXXX WAS ASKED VIA A VOICE MAIL MBY A MEMBER OF XXXX SUPPORT TO CALL THEM I DID SO XXXX 3 SEPERATE OCCASIONS AND LEFT VOICEMAILS BUT NO FURTHER CORRISPONDANCE CAME FROM MY ACTIONS cfpb I AM AWARE OF MY RIGHTS AND THER HAS BEEN CLEAR UNDEBATABLE VIOLATIONS MADE TO MY RIGHTS BY XXXX. 
CFPB ALLOWING THIS FILE TO REMAIN ON MY CREDIT REPORT FURTHER VIOLATES MY RIGHTS, AS I WAS EXHAUSTED ALL TIME AND ACTION REQUIREMENTS ASKED OF MYSELF THE CONSUMER TO BE IN THE CLEAR TO REQUEST THE REMOVAL. i ASK THAT YOU ASK THEM TO REMOVE THIS FILE IMMEDIATLY AND I WOULD BE MUCH ABLIDGED IF YOU WOULD SEE FIT T GRANT MYSELF THE CONSUMER A MONATARY PAYMENT PER VIOLATION AS STATED IN THE FCRA BEING THE ELONGATED DAMAGE AND REJECTION THIS FILE ALONE HAS COST ME .THANK YOU IN ADVANCE SO JUST SO WE ARE ALL OF THE SAME PAGE cFPB A FAIR RESALOUTION IS THAT XXXX EITHER PRODUCE A COPY OF MY APPLICATIN FOR JOINT ( THEY ( CREDITORS ) DO NOT JUST GO AND MAKE RANDOM OR EVEN REQUESTED PEOPLE JOINT MEMBERSHIP TO AN ACCOUNT FITH OUT FIRST APPLYING. THEY EITHER PRODUCE A COPY OF MY APP WITH MY SIGNATURE OR AUDIO OF ME VERBALLY APPLYING OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT PER MY RIGHTS GRANTED IN THE FCRA
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

I just obtained my free credit reports from all three of the reporting credit bureaus and found out although I had a fraud block, Equifax gave a full credit report to someone in a billing office in an out-of-state hospital, so that a third party could use my credit to charge medical bills. This happened XXXX XXXX, XXXX and I just discovered it on XXXX XXXX, XXXX. I have never been to this state, nor have I lived in this state or been associated with the hospital.