davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

I had an existing mortgage with XXXX XXXX, who sold or transferred the mortgage to XXXX XXXX XXXX effective XX/XX/2018. I did not receive any payment instructions from XXXX XXXX XXXX until XX/XX/XXXX. I made the XX/XX/XXXX payment to XXXX XXXX on XX/XX/XXXX. When I finally received information from XXXX XXXX XXXX, it showed that I still owed a XX/XX/XXXX payment, despite having already making the XX/XX/XXXX payment to the previous mortgagor, XXXX  XXXX. I provided three forms evidence of the XX/XX/XXXX payment to XXXX XXXX XXXX, showing both funds transferred from the originating bank and funds received by XXXX XXXX. XXXX XXXX has acknowledge that the XX/XX/XXXX payment was made, but has deliberately refused to adjust the account accordingly despite numerous calls and emails to their customer service. I have since made 2 additional payments directly to XXXX XXXX ; 1 for the XX/XX/XXXX1 payment ( which XXXX XXXX incorrectly applied to XX/XX/XXXX and another payment on XX/XX/XXXX, because XXXX XXXX still showed that the XX/XX/XXXX was pending and about to be late. I made the XX/XX/XXXX payment simply to avoid phone calls and threating letters for non-payment. In recognition of the three payments made for XX/XX/XXXX, XX/XX/XXXX, and the last on XX/XX/XXXX ( should be applied to XX/XX/XXXX payment ), the next payment due should be changed from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX is deliberately ignoring my emails and calls.
Consumer complaint received 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (WI)

On XX/XX/2023 I disputed 4 individual accounts to Americollect which is station in XXXX, WI. and they replied by sending me a bill with my personal health information XX/XX/2023. Simultaneously on XX/XX/2023 I disputed with all 3 Credit Bureaus " XXXX XXXX XXXX XXXX '' and all 3 Credit Bureaus removed account # XXXX On XX/XX/2023 I sent 3 individual validation letters disputing the remaining 3 out of 4 accounts and Americollect responded with a bill from account # XXXX addressed from XXXX, Texas. I was astonished by this because Americollect is based out of XXXX, Wisconsin. Now, the first validation letters came from Americollect out of XXXX Wisconsin. This last letter with the bill inside is from XXXX, Texas. If Americollect couldn't validate account # XXXX from the first validation letter from XX/XX/2023, how can they verify the remaining 3 accounts?
Consumer complaint received 2024-04-11
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 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 2023-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2024-04-11
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. (FL)

XXXX XXXX completed a hard inquiry on my credit report in XXXX of XXXX. I applied for a credit card from them in XXXX of XXXX but had not since been in contact with the company, nor was I a customer. I did not request any information in XXXX of XXXX that would have arose in this hard inquiry. When I called, the company said they had no record of pulling my credit and told me to contact TransUnion, which I did to no avail.
Consumer complaint received 2023-04-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC (TX)

Greetings, I Am A Victim of Predatory Lending Practice Involving American Credit Acceptance. I purchased this XXXX XXXX XXXX In XX/XX/XXXX for about XXXX I Was Not Aware that the vehicle was an Interest Bearing Loan. AS of today. I STILL Owe about XXXX which is way more than what I Paid for the Car. 

I was rushed through the closing process by the finance guy who was closing the deal. 
I was trying to read the documents. He rushed me through, he insisted that it could take all day if I tried to read all of the pages in the packet. At that time my Concern was the High Interest Rate. He reconfirmed the rate and advised that I could pay more to pay the loan off quicker. ( Thank XXXX  I Inquired Months Later and RE-Confirmed the Paper Work Prior to Paying More. At That Point I Never Bothered About Paying More ) I Inquired about my balance and dissatisfactions several times about 16 months after the purchase in an Effort to pay the loan off sooner. 

I Also, Inquired and Expressed My Frustrations and Concerns On Another and Several Occasion. On Another Occasion I Experienced A Hardship and Asked for A Deferment Due COVID and Another Natural Disaster. They Escalated me to another department. 

I Informed Her Of My Concerns and the Hardship that I was having. She was No Help In Resolving My Concern As It Related to the Interest Bearing Loan. She Advised the Only Way I Could Get Assistance for a Deferment was if I Completed the Documents that she emailed to me which Included and Amendment Document to my Complaint Since I Brought My Concern to their Attention. 

( I Would Like for That Recording to be Pulled and Reviewed which was the Same Day As the Conversation of me Expressing My Concerns and of the Deferment ) American Credit Acceptance Literally BULLIED ME! Into Signing the Deferment Document Along with ADDED Documents of my Complaint. SHAME ON THEM! 

In Good-Faith I Am Currently Paying This Loan In The Mist Of Me Being A Victim of UNFAIR HARSH LENDING PRACTICES. I Am A Woman of Character. I Believe In Paying My Bills On Time. 

Life Happens! When It Does Companies Should Not Be Allowed to Prey On People who are Dealing with Valid Hardships. 

Please Provide Me Guidance On Filing A Law Suit. Thanks. 

Prayerfully, XXXX XXXX XXXX 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. (FL)

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 2023-08-01
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: FirstPoint Collection Resources (FL)

XXXX XXXX XXXX sold info to a non affiliate third party XXXXollection resources company. That is considered identity theft, I don't believe that First point collection have proper paperwork to collect in Fl. Also uploaded a letter decribing all of the consumer laws broken by XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

I was marketed a Citi XXXX Credit Card with an offer to balance transfer in XXXX of this year 2023. It has been nothing but a headache for the last 4 months. As recently as yesterday I was on a call with a supervisor from the bank. Every time I call I get a different story. I have also gone into my local Citi branch for assistance they have tried to assist but have not had any better luck than I. The buck doesn't stop anywhere you just keep getting passed around. It seems they are marketing these financial products with no intention of actually providing them. The right hand does not know what the left hand is doing. Structural incompetence with little to no synergies between inner bank parties. Interesting when you catch an interview with a CEO ( in this case XXXX XXXX on XXXX ) the culture espoused by the person at the top is in no way reflected in the behavior by the individuals I interfaced with. It appears that the high net worth individual may have the ability to circumvent this abuse, unfortunately not so for the average XXXX at the retail level.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.
Consumer complaint received 2024-04-11
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. (MD)

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 2023-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (CA)

Me and my spouse financed {$5400.00} through Synchrony for our purchases at MattressFirm. On XX/XX/2023, we were charged the full amount of the remaining balance on this loan {$5300.00} on one single payment and resulting my spouse having- {$4900.00} on her main checking account. I spoke to Synchrony Bank to ask why has this happened and how should we fix it. I was alleged by them that I made a mistake myself when setting up the auto payment, which they stated I selected to pay the full amount of my statement balance every month regardless we signed up for 36 term loan from Mattress Firm. Their solution was issuing me the refund for my payment and which will take up to 15 days to arrive. They did not provide any solution to cover my overdraft fees nor the effects may gon na cause to lower my credit score.
Consumer complaint received 2023-11-12
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (NJ)

While I'm not a legal expert, generally, if you have a payment arrangement with a credit collector, they typically shouldn't report negative information to credit bureaus. It's crucial to carefully review the terms of your arrangement. In my case with Jefferson Capital, they used my credit to retaliate against me due to a dispute I raised. The reporting of a one-dollar amount has resulted in a XXXX decrease in my credit score.
Consumer complaint received 2023-06-18
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. (TN)

My information was stolen a while back and I was a victim of ID Theft. I submitted the required documentation according to the FCRA section 605B. However, the credit reporting agencies failed to block the fraudulent accounts and treated my block request as if it were a dispute. It's not a dispute, it's a block request.
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-01-06
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: FIFTH THIRD FINANCIAL CORPORATION (PA)

Company : Fifth Third Bank First the number listed on website isn't the correct number I had to call a different one. I noticed an email notifying me that a hard inquiry was pulled on my account today I don't know the bank or use it. I don't give out my social security information.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

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 2023-05-07
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: OneMain Finance Corporation (WA)

I am in the process of purchasing a home. I noticed that on my XXXX Credit report they show that I have an account that with One Main Financial company. I agree that I was 2 months late for a 60 day late payment however XXXX is showing 90 day 's late. I contacted OneMain and they agree that I only have one account. over the last 2 weeks my score on My account with OneMain is XXXX. This is the only account I have with this company. However they are reporting two on my account. I do not know what to do. I speak with XXXX and they tell me that they are initiating a dispute on my behalf but they do not contact OneMain. I contact OneMain financial and they inform me that they are reporting one account. One my other credit reports I have only one account. I have been hurt financially and emotionally by this. I am not longer able to get my VA loan approved. I am at the end of my lease for the current home I am in and will not have a place to live after the XXXX of this month. We did not resign the lease because we had met our eligible scores for a VA home loan. Now that XXXX and XXXXneMain has failed to do their job I no longer qualify for VA loan approval. I've been contacting them for almost a month now about this. I NEED HELP PLEASE.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (TX)

After the good faith adjustment was honored and reported to remove all negative impact reporting to all Credit Bureaus ( XXXX, XXXX XXXX XXXX ) there was a new inaccurate 120 late pay reported to the bureaus for XX/XX/XXXX. I paid off this account in full in XXXX of XXXX, the account has been closed since XXXX and my good will letter was honored to remove all of the previous negative reporting but a new 120 late pay was added for XX/XX/XXXX. I am in the process of buying a house and this inaccurate reporting can cause me to loose the house of my dreams as well as be homeless because I have already given notice to move out of my current home. I need this inaccuracy corrected TODAY and reported to the Bureaus so that I can complete my homebuying process. I cant wait until the next reporting on XX/XX/XXXX, I need this corrected immediately. I truly appreciate your consideration and thought to my situation in advance. I have attached the written requests sent directly to the creditor as well as the statement sent to me showing last payment date, {$0.00} balance owed and account closed.
Consumer complaint received 2024-04-11
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)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

My home was damaged by Hurricane Harvey and Select Portfolio Servicing ( SPS ) has received significant insurance proceeds. The home has been completely restored in better condition than before storm ... all funded from my personal resources. All documents have been provided to include adjusters reports, contract for repairs, lien waivers, contract ( paid in full ), etc. County appraisal documents were submitted showing the value of the land alone is 3X the small amount owed. Inspections have been performed with with inaccurate completion representation and even with those inaccuracies the corresponding money is still not being released. The repairs are 100 % complete noted in recorded phone calls from weeks ago and still SPS delays in scheduling an inspection I assume for the sole purpose of delaying release of MY money. In addition to CFPB I am utilizing every contact known to me to initiate a Congressional Inquiry into SPS Servicing practices which will hopefully uncover a pattern of deceit and fraud. 

Attached are demands for inspection and release of money. The initial check to reimburse me for repairs took months to receive. I worry about those that don't have the resources to fund the repairs out-of-pocket. 

Additionally, I have attached a Qualified Written Response sent over 6 weeks ago for answers to very specific questions related to the servicing of my loan that SPS obviously chooses to ignore. I have received neither the confirmation of receipt letter ( 5 day requirement ) nor response ( 30 day requirement ). How is it these non-financial institutions can simply ignore legislative mandated regulatory requirements?
Consumer complaint received 2024-04-11
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: EQUIFAX, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2018-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

XX/XX/XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX   and XXXX . XXXX and XXXX have both completed their research and determined that XXXX   was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I opened a secured credit card account with Capital One on XX/XX/XXXX, with an annual membership fee of {$29.00}. I was never informed by Capital One or any of its representatives that Capital One had a {$0.00} annual fee secured credit card offer. Recently, while online I discovered this information. I called Capital One on XX/XX/XXXX, twice. The first representative said he wrote out a complaint for me concerning this. When I got off the phone I realized that I didn't ask the rep. how long it would take for me to get a response to this complaint. When I called the second time I spoke to a different rep. and I asked for reimbursement for the annual fees I paid, during the time other members paid nothing. She told me that the {$29.00} annual fee was the agreement I made with Capital One. If I would like to, I can open a new secured credit card account for the No Annual Fee Secured Credit Card. She refused to put in a request for an offer of reimbursement. I believe it is unfair that Capital One withheld this information from me. It is unfair that I was charged for the same service that others were not charged for. I believe Capital One is a dishonest company.