davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
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: Kimball, Tirey & St. John LLP (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I need to complain about SHELLPOINT MORTGAGE SERVICING. XXXX XX/XX/XXXXsold my loan to SHELLPOINT MORTGAGE IN XX/XX/2021. SHELLPOINT over charged me on the prepayment penalty and ignore my emails and phone calls. The only customer service phone line they provided was useless and refuse to do any further to resolve the problem. And push the responsibility to another by telling customers that the only way to resolve all loan problems is thru emailing XXXX but they never email me back with the upfront answer instead they try to navigate me to something else which is not what I am concerning. Then after receiving one email from them they even never bother to email me back regarding my real concern and my real questions to them. The principal balance is incorrect, the prepayment penalty is calculated incorrectly, the # s on the payoff is incorrect, they purposely overcharge me and refuse to have any communication with me. They refuse to investigate their problems! This is a scamming mortgage company. It is not a legit business! They have over charged me over {$6000.00}!!! 
My email address is XXXX someone please investigate Shellpoint Mortgage and get back to me asap! 
Thank you!
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MD)

In XX/XX/XXXX I made a purchase of {$1100.00} at best buy using the bestbuy credit card issued by XXXX. The purchase was made through a promotion of of 0 % deferred interest for 2 years. 
I continued to use this account for other transactions and made another purchase for {$650.00} through an 18 month 0 % deferred interest offer on XX/XX/XXXX. 

I continued to make payments on the promotional offers and told citigroup verbally over the phone on XX/XX/XXXX and in writing by registered letter on XX/XX/XXXX that I wanted my payments to go directly to the 0 % promotional offers. 

On XX/XX/XXXX, I was hit with an interest charge of {$800.00} for the XX/XX/XXXX purchase even though the balance was ALL PAID OFF. 

On XX/XX/XXXX I was hit with another interest charge of {$280.00} for the XX/XX/XXXX purchase even though again the balance on that charge was entirely paid off. 

In XX/XX/XXXX I contacted Citi to address the charges and requested that they be reversed. They indicated that nothing could be done about the matter and that it would have to be escalated to a manager. Unfortunately, I over the next several months I had to deal with covid-related family emergencies and wasn't able to take up this issue again until XX/XX/XXXX. 
In XXXX I spoke with a representative and two manageXXXX who again declined to address the matter in a fair and honest manner. In fact they refused to do anything to address the matter.
Consumer complaint received 2022-09-18
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. (TN)

XXXX accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Reference # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy. 15 US 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 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (TX)

account had fraudulent activity and I was not found liable for the {$500.00}. However 1 year later a charge off for the {$500.00} was put on my credit. called the creditor on XX/XX/2021 and was advised that it would be removed. called again on XX/XX/2021 and was told the same thing. I still have an open account with creditor. How can I have a charged off account and still have an active account. Nothing was charged off, I'm still using and paying on account.
Consumer complaint received 2021-10-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Experian recommends credit cards that have exorbitant fees and interest rates, under the guise of " improving credit scores '' by " increasing the amount of available credit. '' This gimmick is then marketed to desperate consumers who then find themselves trapped with a card with low credit limits and fees of at least {$100.00} annually, service charges, 29 % + in interest. One such company XXXX XXXX XXXX offers such a card with high fees, and upon a consumer 's request for an increase- they are reminded of the 20 % fee per {$100.00} in additional credit before routinely denying requests. Although consumers make timely payments, they will never maintain the 70/30 recommended credit use ratio- because the fees and interest usually account for 30percent usage alone. 

Experian needs to stop recommending rip-off credit cards, and XXXX XXXX XXXX no longer needs to provide such a deceptive credit product. Consumers credit scores will moreover never increase, and will spend large amounts in fees, interest, and random charges by compaines they trusted because EXPERIAN recommended them.
Consumer complaint received 2021-10-07
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. (IL)

I repeatedly disputed the address and as well as information pertaining to an account on credit report Equifax has not been complaint under the guidelines of metro 2 format compliance as well as have not been compliant to my rights under the fair credit act section 623 ( 1A ) ( B ) ( i ) ( ii ) 3 as well as under the fair credit act has not provided section 609 ( A ) 1 sec 611-2A1 ( 2B have not provided me anything proper documentation that represents action taking against me
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: COMMERCE BANK (VA)

I set up a {$75.00} payment towards my Commerce Bank credit card balance on XX/XX/2021 using my credit union 's Bill Pay electronic transfer service. 

My credit union shows the payment being applied on the Commerce Bank account due date of XX/XX/2021. 

Commerce Bank claims this payment was not received on time ( with no evidence provided ) and was not processed until XX/XX/2021, incurring a {$30.00} late fee. 

One Commerce Bank representative told me over the phone that the bank does not have to process any payments it receives until they choose to. 

In this case, it appears that this payment 's processing was purposely delayed, including over the XXXX XXXX holiday weekend, in order to assess late fees from myself and perhaps many other customers. 

Commerce Bank concluded without evidence that there was no " bank error '' and therefore would not refund the late fee. 

I have since terminated my account with Commerce Bank and advise others to avoid their products.
Consumer complaint received 2021-10-07
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. (MD)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1. Earlier this year, I owed Bank of America about {$10000.00} on my personal credit card, during the XXXX times, they called and said they'd be lenient about payments and I always had this in mind 2. I paid off the $ XXXX in one lump sum, leaving no balance besides a few hundred on the account 3. For some reason, unbeknownst to me, Bank of America cancelled all my auto-payments set up on the account, and did not alert me 4. The statement balance of {$28.00} was unpaid for 3 months, Bank of America never notified me, never warned me, and never said that this would take place, I was never called or notified a single time. 

Meanwhile, I continued to use their banking services and would continue to get declined payments and issues and every time I called their offices, I would be put on long wait times that would be unfruitful and I always thought something was wrong with my own cards XXXX. Months later in XXXX, they finally responded and said that my credit card had been closed because of the missed balance statements, and I had a meltdown. 

As an immigrant, I have worked for years to improve my credit score, only for bank of america to drop me back to XXXX because their cancelled auto payments and everything related to my credit was tied to that account which they banned without telling me At this point I was told to go meet a representative at Bank of America which wasted 4 hours of my time and in the end told me he couldn't help me with my credit card issues..

I was then put on a 4 hour long hold on my phone and in the end someone told me that there was nothing I can do to recover my closed accounts or my credit. 

This is when I had a meltdown on the phone, I had not only lost all my credit that I had taken so long to build, I also began to lose everything else because of the cancelled account. 

The bank of America person kept telling me this was my problem and they could do nothing about it and that's when I lost control and swore at them, and that's when my account was promptly banned. 

This was after an 8 hour ordeal, and that's not where it ended.

Bank of America then locked all my remaining funds and closed my debit/savings accounts so I was unable to pay rent and I got evicted. 

I was also unable to pay off my car loan for the last 2 months and now I'm not only about to be homeless and living in my car, Bank of America is gon na cause me to lose that car as well because I have missed my payments because of them There is no end in sight, I am an immigrant here and I just got married to a US citizen, I can not believe I am being put through this with a bank here and I am certain this can't happen to a citizen. 

This is discrimination and mistreatment and has taken over 6 months of my life to resolve, and now I am jobless and homeless all because of a {$28.00} bill. 

I urge you to investigate this, I beg you.
Consumer complaint received 2021-10-07
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. (TX)

This account has been closed since XX/XX/ 2019 and they are constantly changing my payment history by removing and adding missed payments to my credit constantly affecting my credit scores. I have uploaded 3 proofs below.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account has been closed since XX/XX/ 2019 and they are constantly changing my payment history by removing and adding missed payments to my credit constantly affecting my credit scores. I have uploaded 3 proofs below.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (CA)

XX/XX/XXXX I contacted 21st Mortgage to let them know my hours have been cut because of Covid and I would be unable to make my mortgage payment. 
They didnt have any answers for me because they did not know what was going on either and then in XX/XX/XXXX I contacted them again to let them know as soon as I receive my stimulus I would be able to pay them unfortunately I did not receive my stimulus until XX/XX/XXXX a year later. 
My main problem is that my mortgage is not federally backed it is not XXXX XXXX or XXXX XXXX. So they are not following the government guidelines either! 
Ive even contacted them in XX/XX/XXXX and I also had HUD out of XXXX California on a three-way call to contact them to help me get help with my mortgage and they just kept saying no they had nothing to help me and that I would just have to pay the full amount including the lawyer fees and late fees in order to catch the mortgage up And reinstate it! 
Now in XX/XX/XXXX I receive a statement on my home that they were going to start foreclosure proceedings and I contacted 21st Mortgage again in XX/XX/XXXX asking them if they had anything that they could help me with or if we can make a settlement on the {$12000.00} they wanted and they just said no in order to reinstate my mortgage I had to pay the amount in full! 
21st Mortgage is being very stubborn and not helpful in anyway with this pandemic that is thrown this country into a horrible state!!!! PLEASE! SOMEBODY HELP ME KEEP MY HOME!!
Consumer complaint received 2021-10-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Select Management Resources, LLC (GA)

**This is a violation of privacy policy situation, and I need help, please! I've exhausted all options, I am seeking legal representation. Here are the details. I have documents and photos to support this situation. ** I had obtained a title loan with Atlanta Title Loans in XXXX, 2021 due to financial strain. I have been in a XXXX XXXX situation for quite some time and was trying to pay off bills so I could relocate myself and children, or at least start the process. My ex ( XXXX ) stole my phone and Atlanta Title Loans called about my payment XX/XX/2021. He disclosed that he was my boyfriend/husband ( lied ) and inquired about the nature of the call. The initial point of contact just stated that he needed to speak with me. My ex then called the company back, and requested details of why they were trying to reach me. At that point, another representative named XXXX gave him my information, and advised him that I had an open loan with their company. He requested she text pictures of whatever information she had about me and my loan. She agreed and text him pictures of my drivers license, my signature, and loan application details, from her PERSONAL cell phone, which compromised my personal data even further. There were NO authorized indiviuals names that were allowed to access any of that info. He became furious and was violent toward me. This triggered my XXXX XXXX and XXXX issues. I have a history of XXXX XXXX XXXX, and this had caused me to become unable to return to work for fear he will show up. Ive since lost my job because of this. This company violated every protocol in their privacy policy and put me in harms way. I am a single mom, now without a job, money and potentially at risk of losing the only vehicle I have. This is such a horrible situation, and I dont know what I can do. I have copies of the texts sent to him, and also texts between myself and the employee in regard to this issue. I have not received any feedback from management, I have since received a late payment letter stating they can repossess my vehicle anytime they want.. Please, if there is anything you can do to help, I really really need it. I have since had to petition for a family XXXX XXXX order, but I am in constant fear, and all due to this discrepancy. This company did not care enough to make a simple effort to just protect my personal information, makes me very concerned where else they are lacking and how this could effect more clients, I do not have a working phone number at the moment but I can be reached via email anytime. Please help! I feel like this is something that needs immediate attention or could be detrimental. 

Thanks in advance for any help you might be able to offer.
Consumer complaint received 2021-10-07
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: EQUIFAX, INC. (MD)

After filing and identity theft report with the FTC regarding attempt to gain credit access, accounts were not opened but inquiries were still placed. Sent XXXX, Equifax and XXXX Method of Verification Letters. Requesting who, when, documentary evidence, and title of the alleged creditor, they conducted an investigation with since they claimed accounts were verified I have not received any evidence. inquiries and an account Santander account being disputed was just updated and verified again with no proof. 15 USC 1692j furnishing deceptive forms, when XXXX and Equifax mailed forms with claims that accounts were verified, they violated federal law. Federal law requires and investigation as conducting interviews not scanning through eoscar. I am a federally protected consumer and natural person and these credit agencies are civilly unwilling to comply 15 USC 1681n
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Equifax dropped my credit score by XXXX points with NO EXPLANATION. It clearly stated that there was NO CHANGE in my account statuses. Equifax 's arbitrary and BASELESS negative impacts on my credit score are unjust and unfounded. Consumers should NOT be victimized by a credit reporting agency ability to harm their ability to improve their credit score which my personal report reflects that I have been working very hard at for the past few years.
Consumer complaint received 2021-10-07
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. (MA)

My XXXX student loan account was included in my chapter XXXX bankruptcy ( case # XXXX ) that was filed on XX/XX/2020 and subsequently discharged on XX/XX/2020. Per my attached petition, you will find that the loan listed as part of my Schedule E/F ( item 4.10 ) on page 22. 
After filing, XXXX was notified of the inclusion of the debt and they were given time to object to it's inclusion, but they never did. I have asked them repeatedly to provide proof that they objected it's inclusion with the court and they have failed to provide it to me. Their simple response is " you still owe the debt ''. Since that time, they have not only reported it inaccurately on my credit reports, but they have also assessed over {$1500.00} in interest or fees to my outstanding balance.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My XXXX student loan account was included in my chapter XXXX bankruptcy ( case # XXXX ) that was filed on XX/XX/2020 and subsequently discharged on XX/XX/2020. Per my attached petition, you will find that the loan listed as part of my Schedule E/F ( item 4.10 ) on page 22. 
After filing, XXXX was notified of the inclusion of the debt and they were given time to object to it's inclusion, but they never did. I have asked them repeatedly to provide proof that they objected it's inclusion with the court and they have failed to provide it to me. Their simple response is " you still owe the debt ''. Since that time, they have not only reported it inaccurately on my credit reports, but they have also assessed over {$1500.00} in interest or fees to my outstanding balance.
Consumer complaint received 2021-10-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.