davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC (NY)

I was marked 30 days late in error on my credit report. I received a letter from XXXX that my Selene Financial loan was transferred to XXXX Bank. Since the loan was transferred, I made a payment to my new servicer as indicated on the letter-Shellpoint. Please note the attached check, dated XXXX XXXX2022. 
On XX/XX/XXXX, I was notified by a credit monitoring service that XXXX reported me as 30 days late on my credit. On XX/XX/XXXX, my check was returned ( please see attached ). MY CHECK WAS RETURNED 30 DAYS AFTER THE PAYMENT WAS DUE. 
As per Shellpoint, the check was returned because they didn't fully receive the loan transfer from XXXX XXXX. I am asking that this 30 late reporting be corrected as it resulted from a loan transfer delay. It was not clear as to who to make the payment to and I made the monthly payment to XXXX t prior to the loan being fully transferred. 
This error occurred due to the fact that my loan was transferred from one bank to another and I certainly shouldn't be held liable for this mishap. Had this loan remained with XXXX, this issue wouldnt occur. Since the loan transfer was initiated by the bank ( without my knowledge or authorization ) I am asking for the 30 day late correction on my credit.
Consumer complaint received 2023-02-14
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. (SC)

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THE ACCOUNTS ARE ON THE FTC REPORT. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments 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 an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (FL)

Deceptive Practices, Failure to Prove Lapse of Insurance To whom it may concern, I need urgent assistance with the deceptive practices of Shellpoint Mortgage Servicing, the company that holds the loan # XXXX XXXX of my XXXX XXXX XXXX for the apartment located at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX in which I also reside. It appears they are deliberately misleading us, potentially leading to the foreclosure of our apartment. 

Last year, Shellpoint requested proof of property insurance in XXXX, and I promptly provided all necessary information, including the MASTER POLICY & HAZARD INSURANCE details from the XXXX XXXX XXXX, on XX/XX/XXXX. Similarly, I also submitted proof of FLOOD INSURANCE on XX/XX/XXXX. 

Despite this, Shellpoint is now unjustly charging over {$1700.00}, alleging a lapse of insurance, despite us being fully compliant with all legal requirements. Moreover, there are discrepancies in their records regarding our monthly mortgage payments, falsely showing the last payment in XX/XX/XXXX, despite payments made until XX/XX/XXXX, which have been successfully deducted from the bank. 

Additionally, this XXXX, we faced challenges making the payment due to an insistence on approval from my sister 's bank, despite being authorized to make payments on her behalf since XX/XX/XXXX, due to her XXXX condition. This delay has caused immense distress in our family. 

It seems Shellpoint XXXX be using our mortgage payments to cover their erroneous lapsed insurance charges. Despite numerous attempts to rectify these issues and countless contacts with Shellpoint, they have not provided satisfactory resolutions and continue to demand proof of insurance without evidence of a lapse. Urgent assistance in resolving these matters is desperately needed. 
I have all emails sent to Shellpoint as proof of satisfying the insurance proof requested. 

I look forward to hearing from you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (VA)

We are a small independent school in Virginia. We have used Paypal for collecting payment for services for more than 15 years. One month ago they " limited '' our account and now our funds are being held hostage due to required documents. There policy for account ownership prohibits changing the account owner which is required to be an inidvidual, even for a business. We have been forced to use the prior individuals name, even though I am the current admin. Now with these ridiculous API requirements, we have to provide information that doesn't match the account ownership, because Paypal wont allow you to change it. The account owner retired 10 years ago, by the way. We have almost {$25.00} thousand being held hostage and every time I submit the required documents, Paypal adds new documents to the list. This is criminal activity. There is no change in our amounts processed, all the dollar transfers are domestic and we have a long track record with this company. To hold our money hostage and continually delay our ability to collect it is simply wrong. Paypal must be held accountable for this fraudulent use of our money. We will pay 3 % to collect our money while they invest it and earn on assets that they are holding for undue lengths of time. Paypal must be investigated for this.
Consumer complaint received 2023-05-24
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. (MD)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-08
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: ENCORE CAPITAL GROUP INC. (MD)

15 USC 1681 Section 602 States I Have A Right To Privacy. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section2 : It Also States a consumer reporting age 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-05-13
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: Experian Information Solutions Inc. (GA)

I was notified on   XXXX   that there was a change to my Experian credit report. This item was deleted in   XXXX   XXXX     and I was not notified in 5 days that 's it would be placed back on my credit report.
Consumer complaint received 2022-12-04
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 (NC)

In accordance with the fair credit Reporting act XXXX 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 payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I did Credit Card Collections for XXXX for Four years, Credit Card collections, XXXX XXXX : We had to Observe FDCPA guidelines RELIGIOUSLY with regards to Any and ALL repeat Calls to the Debtor : Anytime a call was made AFTER Already having discussed the account with a Debtor we Had to Remove the Phone number from the Dialer for SEVEN DAYS. 
If we Ignored the Calling Guidelines we were Terminated. Management Enforced these Guidelines as Federal and Applicable. My Creditor is Capital One I am Now told that these Guidelines Do Not Apply to Banks Collecting on their own debt, which is Exactly what we did for XXXX. 
I have Had Eight Calls since XX/XX/XXXX from Capital One I ALWAYS answer every call, and Discuss Both Accounts in Detail, including why I am Delinquent.- According to the FDCPA online website once contact and account discussion have taken place then the Calls are suspended for 3-7 Days. 
These Calls are being conducted by individuals who are XXXX, and sometimes the communication is difficult because of the English Language. Just because someone " Speaks '' English it Doesn't mean that They Understand English. They don't access Notes, or acknowledge previous conversations. I am Also Getting Hang Up Calls from these Two Numbers.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXY XXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2017-05-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC (VA)

I applied wit h BMW for a l ease and loan. My  XXXX  and  XXXX  reports were frozen due to fraud. I have a  XXXX  FiCO on  XXXX . They pulled this score twice  in one day sta ting it was not the score fico or   XXXX   was reporting. Come to find out they were using   XXXX   XXXX   ... then the lender demanded I unfreeze my  XXXX  or I would not be consider at all. This was after I have dr iven 10 hrs a nd mislead that I have already been approved and everything was situated. I was mistreated and feel as I was discriminated against in regards to my score being devalued and not honored fete being pulled. The finance  manager treated me like a second class citizen and made clear he had deals he had to do. Furthermore it was said BMW w ould not approve anyone off a  XXXX  score and after speaking to several other dealers this was false.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX. changed the DOFD and the amount due. It took me a few weeks to research and find out if someone had used my name to get a new credit card in my name in XX/XX/2015. But I later discovered that it was the change of DOFD, the amount and making the old account appear new or more recent that put me on alert. I would like this inaccurate information removed from my credit file.
Consumer complaint received 2017-05-13
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: EQUIFAX, INC. (GA)

In XXXX of 2010 I filed for Chapter XXXX Bankruptcy. I had XXXX tax liens at the time for {$250.00} and {$3400.00} respectively. These tax liens were covered and paid through the bankruptcy. The Bankruptcy has dropped from my credit report but the tax liens have not. The tax liens report as released - but Equifax and XXXX have both responded to my disputes saying the information is accurate. It 's my understanding that the tax liens should drop 7 years from the file date once paid or if paid through Chapter XXXX bankruptcy - when the bankruptcy is removed.
Consumer complaint received 2017-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (SC)

several times I have made an attempt to resolve the issue that I was having with  NELNET  to no avail. this is about the third or fourth complaint that I have submitted and they purposely and continually refuse to acknowledge my request. recently I received an alert on my phone from privacy Guard letting me know that an account has been added to my credit profile through   XXXX   this was  XXXX / XXXX /  XXXX   so when I check it I see where an new account has been added by NELNET. They have re-aged an old account so it appears. I called  XXXX  the following day asking how can they allow these accounts to added to my credit profile while I have an fraud alert and an identity theft report concerning my credit profile but the woman stated it was n't appearing on their but I know that was false because it appears on my phone and my   credit score   has drop tremendously because of it. They have purposely and continually to violate the FCRA and the FDCPA. I recently been doing some studying about their closing ; so how is it are there continually to collect on student loans and thy are no longer open. I will be filling a suit in small claims if they refuse to verify and validate the debt but continue to report it on my credit profile.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (GA)

Account XXXX is inaccurately reporting on the credit reports associated with my social security number and violate my consumer rights per the following information : There are several inconsistencies between the credit reports from Equifax, XXXX, and XXXX regarding the account in question. These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), including sections 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( a ) ( 8 ). 

Equifax reports the account as " Unknown, '' while XXXX and XXXX both report it as a " Revolving '' account with a " Charge account '' detail. This discrepancy violates the FCRA 's section 623 ( a ) ( 2 ), which requires credit reporting agencies to ensure the accuracy of the information they report. 

Additionally, Equifax reports the account as " Closed, '' while XXXX and XXXX both report it as " Paid. '' This discrepancy may violate the FCRA 's section 623 ( a ) ( 5 ), which requires credit reporting agencies to correct or delete inaccurate information within a reasonable time period. 

Furthermore, Equifax reports the " High Credit '' as {$0.00}, while XXXX and XXXX report it as {$100.00}. This discrepancy may violate the FCRA 's section 623 ( a ) ( 8 ), which requires credit reporting agencies to provide accurate information about the credit limits and high credit amounts of consumer accounts.
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

Experian XXXX XXXX XXXXXXXX. 
XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Date of Birth : XXXX XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am not sure is accurate. Some of the people reporting these on me, Are you familiar with a law called 15 U.S.C. Sec. 1681i ( a )? If you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent accurate. So, could you please check on these and get back with me? I know you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Items Need To Be Validated : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. 
I would also like the updated report after you investigate this Information on Consumer Report. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-05-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (PA)

I have financed my home since XX/XX/year>. I shifted through XXXX other mortgage companies before Freedom Mortgage Corporation. 

I am concerned about Freedom Mortgage licensing to collect mortgages in the state of XXXX and would like to check on this. 

I have been unable to pay my mortgage for close to 3 years due to domestic XXXX and XXXX. I am concerned about third-party intrusions into my lending and potential biases and conflicts of interest. Up to XXXX months ago, I would have found my account to have had a positive Escrow balance not having made any payments for XXXX years I have also suffered severe XXXX XXXX  in my community which is also experienced in the handling of my mortgage. 

I worry about identity theft and potential blackmail if not other more serious foul-play given the extensive threats that I receive daily. 

I have also noticed that the XXXX of XXXX has become increasingly involved in listing my housing information with grossly miscalculated factors. How do I have all lthis investigated?
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On or around XX/XX/XXXX I requested that XXXX, XXXX and Experian correct the erroneous demographics on my credit report, namely wrong address and names. I received an email that this information had been removed but upon checking, today XX/XX/XXXX, the information still stands uncorrected as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses and names ha e no connection to me and need to be removed according to the FCRA
Consumer complaint received 2023-06-22
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: Bread Financial Holdings, Inc. (FL)

I am composing this letter regarding the account number XXXX that your company is presently reporting to both XXXX and XXXX XXXX my name. The account carries a derogatory rating, which deeply concerns me. I am extremely worried about the impact this negative rating could have on my credit standing, particularly since I was recently denied a loan and my existing credit accounts have experienced an increase in interest rates. I want to emphasize that this unfavorable rating has caused significant financial distress for me, and I anticipate that it will continue to inflict both financial and emotional hardship until a resolution is reached.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (WI)

I applied for a " pre-approved l Credit card on credit karma and was denied and my credit score got worse when I was trying to make it better because it used a hard inquirey check but if I'm " pre approved I didn't think that would have happened I noticed there's a ftc lawsuit and I would like to be a part of it