davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX of XXXX I decided to check with my wife, XXXX on what she was buying at Walmart that was running our credit card bills so high. I had my XXXX statement out and review each purchase on the Statement with her online orders. We discovered 5 charges that were not made by her, all online orders. I reviewed all the statements we had received since we opened the account in XXXX of XXXX and found fraudulent purchases on every statement totaling {$2200.00}, again, all online orders. 

I called XXXX XXXX, which was the issuer of the Walmart card about these discovered charges. I provided their fraud department with every charge that we found on the statements that were fraudulent and the told me they would investigate and get back to me, and the investigation would take about 90 days. 

The following month in XXXX of XXXX XXXX sells the account to Capital One and new cards were issued. As of today, I had not heard anything about the investigation that XXXX was supposed to be doing so I decided to call. I called the number on my old statements and it directed me to Capital One so I gave them the story about what had happened. I was told that they didnt any record of it and told me that I needed to contact XXXX since it occurred when they owned the account. 

I called XXXX and was told that all the information was transferred to Capital One when they sold the account and they had no records of the fraud claim. So here I am apparently in this black hole, unable to resolve this issue since nobody is taking responsibility for this incident.
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (CA)

This company called my cell phone on XX/XX/2020 Seven ( 7 ) times within a 5 hour window, so roughly a call an hour. When they call they call back to back so 2 calls each time. I answered the 7th one. They also called from multiple numbers not just 1. This is not the first time either, I am just tired of it. 

It is disturbing to have that many calls from the same company so frequent. It is annoying and a nuisance. And I am sending the company a cease and desist to avoid further collection practices like this.
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (UT)

My mortgage co, XXXX, filed for chapter XXXX and my mortgage was sold to Shellpoint mortgage services. Although my loan was in good standing with XXXX immediately Shellpoint declared me in default with intention to accelerate. My subsequent payments to Shellpoint have not been credited to my mortgage. They are billing me for forced insurance after I obtained private insurance and notified Shellpoint, which their insuance dept.acknowledged. Phone calls have been useless. I have sent copies of my bank statement as proof of payment. Shellpoint received these documents XX/XX/2020 but have not acknowledged them. My latest billing from them shows 0 payments since they took over XXXX. My money seems to have disappeared into Shellpoints ' rabbit hole.I have tried several times to contact one of the various point people they have listed but I have not ever been able to speak to any of them, even after 20 to 30 minutes on hold.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

I requested a copy of my consumer file from Global Payments and the company refuses to provide it unless I can specify which of their Product Services that I believe contains my personal information and the Merchant or Customer ID. 

Global Payments works with many merchants and provides many services. I have no way of knowing where my personal consumer information is held under their many services and merchants. 

Unless I can provide the exact service and merchant the company is refusing to provide me a copy of my consumer report. This is a violation of the Fair Credit Reporting Act. 

Global Payments Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX XXXX https : //www.globalpaymentsinc.com/en-us/privacy-statement
Consumer complaint received 2022-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My mortgage company servicer, LoanCare received funds reported by LoanCare, from the California Mortgage Relief Program, to my my loan current through XX/XX/2022. 
The California Mortgage Relief Program notified me the funds stated by LoanCare had been transferred on XX/XX/2022. I was not able to access my account online or get a verification that LoanCare had received the funds to bring my loan current, until my first payment was due outside of this payoff by the state of CA, i.e. XXXX XXXX, 2022. On this date I saw that I was billed for XXXX late fees over the period of forbearance previous to the payoff request balance to LoanCare and being issued the funds by the California Mortgage Relief Program. When I called LoanCare to ask why these penalties were applied to my account, and if justified why werent they included in the amount requested to the California Mortgage Relief Program, I wasnt given answers and was told a supervisor would be calling me later to resolve the discrepancy. I never received a call nor any future calls promised by LoanCare. I also requested a balance sheet showing the charges of LoanCare for the money they received from the CA Mortgage Relief Program. Again they claimed they could not accommodate me and I received no response from any higher authorities as promised.
Consumer complaint received 2020-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The report I sending is to let you know my situation some one used my name and opens credit accounts the police know about it and I get the direction from them to send this report to the credit bureaus and the creditors to and know only ask for a help to fix the problem this is a identity theft the accounts on the list are fraudulent accounts. 
so the next step I don't know I only ask for a help to deleted the accounts from my credit report those are not mine I attach the list of the fraud accounts.
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

Dear CFPB, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report Bull City financial solutions in the amount of {$630.00} I am disputing this claim due to : I never live or have I ever been affiliated with address they have for this bill. They can not produce original contract with my signature. They will not try to resolve problem or investigate fraudulent account. 

This is my official request to have the aforementioned item to be deleted off my credit report and company be fined.
Consumer complaint received 2020-12-28
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. (CO)

My wife and I had a mortgage with XXXX XXXX of which I was in an approved forbearance program due to COVID and my complete loss of income. My accounts all shut down on XX/XX/XXXX and I had been in contact with XXXX immediately about my loss of income and signed into their deferment program of which it took several months to receive the paperwork from them. They informed me under the current law I was abIe to defer monthly, which i did from the the first month covid hit me. I was told to wait for their paperwork to fill out but needed to put in an application with them. I did so and was approved for forbearance with a first payment due on XX/XX/2020. I ended up selling my house and sold it XXXX under appraised value to move on from this nightmare and get them paid and save my credit. I satisfied them 100 % on XX/XX/2020. Ist payment of the new forbearance was XX/XX/XXXX. 
Today, XX/XX/XXXX, not on my credit but on my wife 's credit report it shows a 120 day delinquency from XXXX XXXX, posted on XX/XX/XXXX, which will now affect us on our current mortgage application and I will not be able to get the interest rates we deserve and worked so hard to retain. We went from a 6600 sq ft house to a 12x10 room to save our credit and now we have this to deal with at almost XXXX, and not due to my own fault.
Consumer complaint received 2020-03-04
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: Santander Consumer USA Holdings Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I am saddened that I can't not get this resolved. I recently disputed inquires on my credit report and you guys said they're authorized and they are most certainly not. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you delete these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 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 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 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 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 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX Also, I have accounts that remained on my report that are over 7 years. Please removed these accounts.
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX 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 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 2022-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS has claimed repeatedly to be nothing more than the servicer of my Mortgage, acting at the request of, and benefit for the note holder Who they claim repeatedly to be : XXXXXXXX XXXX XXXXXXXX, successor trustee to XXXX XXXX XXXX XXXX successor in interest to XXXX XXXX  XXXX, as trustee, on behalf of the holders of the XXXX  XXXX XXXX XXXX Certificates XXXX  Series XXXX XXXX  is the note holder and SPS is the mortgage servicer However on Pg 3 of the second document ( which I found as a CFPB document dated XX/XX/2013 ) XXXX XXXX : Another bank or financial institution ( the new servicer ) has purchased your existing loan from us. Transferring mortgage loans is a normal business practice. 

Please explain this and elaborate on the confusion about who owns this loan. 
Thank you, XXXX XXXX
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (AZ)

I received a summons regarding an account I was not familiar with on XXXX/XXXX/21. I responded to disregard any legal action meanwhile disputing it with the XXXX main credit bureas. I recently had to update it as identity theft. The debt buyer is now attempting to take me to court for an account that was never mine. I have only been provided monthly statements that they sent to an address that, at the time was not my current address. There is no signed contracts included. I have never seen this debt or the creditor and I am provided very little. They had another " collection '' account that was apparently mine but soon after my dispute with the XXXX main credit bureas, they deleted it due to it not being my debt.
Consumer complaint received 2020-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from a collection company stating about a debt I owed for a insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX XXXX to review my credit report. I found many fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2020-03-04
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. (OK)

I was able to access my credit report through XXXX. However, when I needed to dispute some erroneous items on my report through Experian they are unable to validate my identify. They had me complete an online form and submit evidence and I've received no confirmation and no response. So I tried again and this time they tell me to call their 877 number to validate my information and they don't have a single option in their IVR menus that will allow me to speak with a person. Within the IVR I tried to pay for a report from them hoping it would allow me to speak to a person or clear up whatever information isn't matching and they took my credit card information but didn't send me any confirmations through email or even tell me the order was successful. So I reached out to them on XXXX and received even less assistance after them asking me for information so they could locate my profile. They are denying me access to my credit details and the ability to correct items of error on my report. Which is denying me ability to purchase a vehicle.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (MI)

The balance being reported by is not accurate. The outstanding balance stated for this debt is {$7900.00} last I checked. This balance also clearly lacks the credit of the GAP insurance purchased at the time of the vehicle purchase on XX/XX/2019. The GAP insurance was refunded at a prorated amount due to the cancellation of the contract as a result of XXXX and their unwarranted repossession. It is obvious that either the selling dealership or XXXX has failed to include the GAP insurance refund in the so-called unpaid balance following the auctioning of my XXXX. The finance contract signed by myself, and my co-buyer XXXX XXXX has been modified to state that I XXXX XXXX was the co-buyer when in fact Iwas the Buyer. It is inaccurate to report that XXXX XXXX was the buyer when he did not require a co-buyer to make the purchase. I XXXX XXXX was the one that required a co-buyer due to my lack of credit worthiness. Please assist me in getting the account corrected or deleted.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

I disputed a charge with XXXX  claim number XXXX amount XXXX. I moved me and my daughters furniture from XXXX XXXX XXXX XXXX. Upon arrival my things were wet & broken and had to be thrown out. Due to this I submitted a dispute since XXXX wouldnt help. My bank was supposed to do an investigation and ultimately denied my request due to previous transactions. No investigation was done they just looked at my accounts negative balance and denied me. When asked for proof they to from XXXX to XXXX even though they were asked multiple times for documentation as to why the dispute was denied. Next I had a incident where I attempted to rent a car here in XXXX  but was turned away the place XXXX  says they dont rent to XXXX XXXXXXXX but it doesnt state that one the XXXX website nor did they offer me my money back. I was told at XXXX  to contact XXXX and XXXX told me to contact XXXX So I went to my bank for a dispute claim id XXXX total amount XXXX they claim they did a investigation and it was found that I actually did get a car which is false I appealed and sent a picture of the document that was given to me at the XXXX location and my claim was still denied. I believe I am being treated unfairly because I usually file disputes when I have a issue which is often.
Consumer complaint received 2022-07-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC (FL)

Rentdebt Automated XXXX XXXX  XXXX XXXXXXXX XXXX  this account was sent to collections for total of {$4200.00}. Ive repeatedly asked collection company to remove item off credit report, to produce documents regarding original contract of debt, i firmly believe this is misleading information and this is all wrong. What contract did i violate to deserve this debt? The manager of XXXX XXXX XXXX,, do they have this document on file? I need proof please, or otheriwse remove this. It's damaging my credit. I did not do anything wrong.
Consumer complaint received 2022-12-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Jennifer McCoy, PC (GA)

I received an UNDATED letter from the " XXXX XXXX XXXX XXXX XXXX '' to collect on a balance that was barely a month and a half old. The amount comes from an apartment complex, XXXX XXXX. The amount on their resident portal states that I owe XXXX. The statement I received from this " law '' office states that I owe XXXX. They are showing XXXX in undisclosed fees. From the reviews on XXXX, no one is able to get in contact with this office.
Consumer complaint received 2022-12-24
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)

I Sent my letter off on AGAIN XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX. SO According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.I have the credit report showing the inaccuracies. LIST OF ACCOUNTS- XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXXXXXXXXXXXXXXXX And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate Which they are not.