davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I closed on my mortgage loan with Guaranteed Rate, which sold my loan to Shellpoint, which is serviced by Newrez LLC. Since Newrez LLC took over servicing my mortgage loan, I have been unable to access, view, and receive electronic statements. I am able to login to the Newrez LLC user portal, however, I can only view the home screen. I am unable to view any mortgage statements, correspondence, or any additional documentation with respect to my mortgage because when I click on Account Details, the page redirects and goes to a blank screen. I have spent an inordinate amount of time calling to complain about this and subsequently request the mortgage statements be emailed to me since I no longer receive statements via USPS due to the fact that I am the victim of identity theft with fraud statements on my credit report. When the Newrez LLC website attempts to redirect from the home screen to the Account Details where statements would be located, the website freezes, using their recommended browsers, including XXXXXXXX  and XXXXXXXX XXXX. For two years, I have not been able to view mortgage statements via the consumer portal and have had to request that Newrez LLC email the statements. This is a problem because my mortgage payments are setup for autopayment. Therefore, if the payment amount is not listed correctly, I will be issued late fees, even if the payment is off even so much as by one penny! However, Newrez does not send my statements to me electronically, but instead expects me to retrieve them in a portal for which their IT support can not effectively resolve these issues after two years of complaints. One day I fear that the mortgage payment amount will be short, and I will be issued late fees and reported to a collection agency when Newrez does not send me statements that notify me of the correct due date and correct amount due. I do not know how much of my mortgage is being applied toward interest, principal, or taxes. Newrez LLC fails to provide me with proper statements in order to make my monthly mortgage payments. I fear they are setting me up intentionally to default on my mortgage, and I have never been late or short on any payments. Attached is a screenshot of what a consumer experiences trying to access a monthly mortgage statement. See pdf of a blank computer screen with a redirect address that is clearly broken and not working.
Consumer complaint received 2017-05-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (TN)

I owed a debt for a motorcycle t o Midland Credit Management,  acct #  XXXX  that they acquired fro m   XXXX   XXXX   se veral years ago. 10 months ago, the account was settled and I requested the title for the motorcycle. They would not send it. After a couple months, they informed me I only needed to fax a letter requesting the title with the motorcycle VIN # and that I would get my title in 30 days. I did so on  XXXX   XXXX ,   XXXX  , and supplied a copy of the initial registration as well. I also had them change the address to send the title as well because I moved recently. After not receiving the title, I called about it and was told I did not send the letter. The story hanged several times while on the phone. Initially, they said they had received the letter, then I was told it was illegible, and finally that they never received it at all. They did, however, change my address on file to the one I requested in the letter, so obviously they received it and it was legible. They are still refusing to send me my title even though they have not held a lien on the vehicle in almost a year.
Consumer complaint received 2023-02-20
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX 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.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (NJ)

Upstart Loans Team* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Member XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had a loan with tUpstart Loans for XXXX years, in XX/XX/scrub>XXXX XXXX XXXX XXXX  reported me to the credit agencies as 30 days late. I was set-up for autopay. I called to ask why this happened, they said the payment declined, I then then paid the account off, the entire balance of {$4500.00} from the same account they claimed declined. 

After paying the loan off, Upstart XXXX XXXX reported me 30 days late again and will not update my credit profile to paid I also filed disputes with the credit reporting agencies. 


I have the payoff letter and can provide screenshots of my credit report and emails between me and Upstart XXXX
Consumer complaint received 2017-05-17
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. (NC)

XXXX   XXXX   XXXX  HARD INQUIRY- XXXX  I called TransUnion on  XXXX / XXXX /  XXXX   and the Customer Service would not help me remove this inquiry even though its not supposed to be on there.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. ()

I have been trying to get a copy of my free annual consumer report from equifax and am unable to do so because  XXXX  only has automated options there is no option to talk to a  XXXX  rep at all very frustrating
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights 15 U.S.C. 1681 section 602 A States I have a 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 permission
Consumer complaint received 2023-08-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC (NC)

I have attempted on many occasions over the past few months to get XXXX XXXX to send me a billing statement that clearly shows that I owe this debt to them, including the services that I am being billed for. 

After explaining to them that I will not pay a bill that does not show the charges for the services that I am being charged for, they have refused to communicate with me, and turned me over to a debt collector, Revco Solutions.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (MA)

I have 2 issues a {$7000.00} XXXX XXXX school out of XXXX MA loan paid, and prior loan through XXXX XXXX out of XXXX MA XXXX to that loan was paid in full in the amount of {$12000.00} I was XXXX XXXX XXXX it might have been a title loan for a custom XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a modified small block XXXX XXXX motor XXXX none of this is in my credit report. I also sent Fraud activity that XXXX XXXX XXXX commitment acts of to XXXX XXXX XXXX but not before I tried working it out with XXXX XXXX XXXX I want this reported to attorney General after criminal action this is going to become civil action due to cause the denial of my mortgage cause of XXXX XXXX XXXX my criminal charges and civil suet are only towards XXXX  XXXX XXXX  the other companies I just want my credit reported to the credit Bureau for XXXX XXXX XXXX the other company XXXX XXXX XXXX XXXX loan.In regaurds to XXXX  XXXX XXXX there is no compromise you ruin me getting my first home with your fraudulent practices I'm XXXX I have nothing but time.
Consumer complaint received 2023-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

This is about the inaccuracies that were inequitably furnished onto my Consumer Report. I came to know about these inaccuracies on XX/XX/2023. Due to these inaccuracies, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against embarrassed and refused several transactions.I did not give consent to XXXX, XXXX, nor TransUnion. Pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These companies have been partial and have not shown any respect to my right to privacy.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LEXISNEXIS (PA)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX, GA XXXX RE : The inaccurate and certifiably noncompliant information you Uare reporting To whom it may concern : XXXX XXXX concert ormal objecion of infomalion publiched and provided by you to XXXX XXXX XXXX and XXXX XXXX as reported and I demand for swift action on your part. Additionally, *this solice also serves as mry fightul demand tor adequate. 

investigation/reinvestigation into every aspect of any delinquency nandlor derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXXXXXX XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged XXXX my the alert a court of eecre. tornally contest ireported to reportablity of the alleged Public Record. 

'Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically -verified each notation for maximum possible accuracy and ( ) compliance with all XXXX reporting standards. 



This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which XXXX XXXX the reporting mandates that there be no deviation from XXXX Ga Format compliance since, per the XXXX, XXXX  XXXX " Any deviation -from these standards jeopardizes the integrity of the data ''. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consur reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (ME)

XXXX is dishonest. They showed a picture of decorative pillows but did not show the back, which led me to believe the back was the same as the front. Turns out, the back is just a plain white. I returned the pillows and they credited me for the pillows but not for the shipping and handling. I called to request a full refund but they refused and told me I should have read all the hidden details Ordered XX/XX/2023 Delivered XX/XX/2023 Refunded XX/XX/2023 Order # XXXX Cost {$88.00} with tax Refunded {$73.00} minus shipping {$14.00} This is not the first time I've had trouble with an order, this company is deceptive and the customer service is unsatisfactory. I told them I was going to make a consumer complaint. Thank you
Consumer complaint received 2017-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Deutsche Bank (CA)

Moeny  transfer between  XXXX   XXXX  and  XXXX  vi a Deutsche Deutsche was   unexpected fee took from my account {$15.00},  XXXX  {$10.00},  XXXX  {$15.00} but I do n't know why Deutsche at this point.   It was  XXXX  sometime, my parents sent me my money to my US account.   It had happened.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX, XXXX has not been able to verify this account and the credit bureaus Equifax and XXXX are refusing to remove the account from my credit report I have written them multiple times and they have not responded
Consumer complaint received 2023-08-09
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-23
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. (TX)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please have the following items removed as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} Bankruptcy XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Please comply with the Fair Credit Reporting Act section 605b, and have the disputed accounts and information removed from my creit File as soon as possible.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (MA)

My chase checking account is negative XXXX XXXX because chase doesn't want to put a stop payment to the XXXX XXXX car companies. That i no longer have the rental and I contacted chase bank.
Consumer complaint received 2024-02-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2017-05-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I have  XXXX  accounts w ith Midland Funding  #  XXXX  and #  XXXX  and I have requested debt verification more t han one ti me and this company has not provided me that information. It has been more than 70 days and not information has been provided to me from this company. I 'm requesting that since this company has failed to provide me with information that this account be deleted from my credit report. They have indicated that since that they have not provided me verification that they were going to delete the information from my credit report, but they have failed to remove from my credit report. I have sent them and the credit bureaus more th an 4 letters  requesting verification which they have refused to provide me.
Consumer complaint received 2023-04-05
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. (IA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following inaccurate accounts that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (VA)

They were calling about a delinquent XXXX account and were trying to offer a 60 % payment deal so I wouldn't pay in full. The agent asked me to speak to the supervisor but he was pushy and tried making me pay money today. He asked me to verify my account and asked for a last four of my XXXX and my birthday, but didn't let me hear my address. I was scared and hung up after they were rude.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (FL)

I was a victim a scam who forced me to buy four ( 4 ) Gift Cards in the amount of {$500.00} each, fortunately the scam did not work therefore I'm trying to get my money back but, the two companies who are governed by the same financial services I have the cards in my possession and the purchase tickets although I comply with their demands the results are futile, they have going and circles and no answers and no results either. The companies in question are XXXX ; distributed and serviced by inComm Financial services inc ; the other two cards are issued by XXXX, XXXX. both cards are serviced by the same institution inCommFinancial services, both has the VISA Logo
Consumer complaint received 2023-08-09
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. (GA)

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 Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-02-20
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. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  XXXX Balance : {$3600.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX