davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

On XX/XX/2021, I applied online to New Rez Mortgage company to refinance my mortgage to a lower rate. My current rate is 5.25 %. I worked with Ms. XXXX XXXX and was doing what was requested of me. Out of the blue, I received a notice of incomplete application letter via USPS, dated XX/XX/2021. The letter stated certain documents were required that I needed to provide. I emailed Ms. XXXX on XX/XX/2021, expressing my concern about the lack of communication. My email was not responded to. I emailed the requested documents to Ms. XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. To date, I have not heard anything else about my application.
Consumer complaint received 2023-03-14
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. (SC)

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to E-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for :
Consumer complaint received 2021-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws.
Consumer complaint received 2021-08-09
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. (IN)

# 1 : In XX/XX/XXXX XXXX XXXX reported to the credit bureaus my account was in collections. This continued until XX/XX/XXXX. 
This information was FALSE and damaged my credit score. 
To this day, I still have never been notified our account was ever sent to collections. 

# 2 : XXXX XXXX charged off my account in XX/XX/XXXX for {$7900.00}, yet still continues to report to the credit bureaus monthly increases and late payments to my account. The account balance is now {$11000.00}. 
They are still trying to damage my credit score fraudulently.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-08-12
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: Experian Information Solutions Inc. (CA)

My lender reported negative information during a forbearance. We went through bankruptcy while on forbearance, however they keep reporting red flags and discharged through the bankruptcy court. But we still have the loan and we have been on forbearance since XX/XX/2020. Filed bankruptcy in XX/XX/2020, discharged in XX/XX/2020. The lender keeps saying it was written off. They didnt let us submit a reaffirmation because they never sent in the proper paper to our lawyer. We had to get discharged with out the lender. Now we have been in forbearance up until now. Can they report negative information on my credit report?
Consumer complaint received 2021-08-12
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: BARCLAYS BANK DELAWARE (MD)

second contract was open less than one month after the initial contract. Wyndham credited all late fees and credited the second account. Barclays Bank Delaware still shows hard inquiry and late payments. Wyndham has sent letter and I forwarded the letter from Wyndham also but it shows late payment. 

On the vacation club for XXXX XXXX bank the same issues show on Wyndham credited all late fees and report shows late payments I would really like this corrected because this has been an ongoing issues since XX/XX/2020.
Consumer complaint received 2021-01-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co. (IL)

I sent a debt validation letter on XX/XX/2020 and this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (WI)

On XX/XX/2021 my XXXX XXXX Account was placed on hold. I was emailed on XX/XX/2021 by Chime Member Services that my Spending Account was closed after a recent review. The same day I emailed Chime Member Services asking why my account was suddenly closed with no warning after I had provided documents confirming my identity when the hold was placed on the accounts on XX/XX/2021. I was sent multiple automated emails from Chime on XX/XX/XXXX and XXXX and attempted numerous times to get into contact with them via phone, email, and social media where I was then blocked for hours after requesting help regarding my account closure. I was told by Chime Member Services as of XX/XX/2021 my account was " not in compliance with its internal policies and the member agreement executed at enrollment ''. To access any remaining funds further documentation was requested although I had sent those documents already and should have been on file. I continued to email and received no response from Chime. I repeatedly requested documentation from Chime to show how and when my account was not in accordance with their policies but I was refused and sent links to the policy and automated messages from Chime Member Services. I was told my Chime Member Service representative " XXXX '' that a check of the remaining balance in my accounts would be mailed. I have never received a check as of XX/XX/2021. I emailed Chime Member Services on XX/XX/2021 for an update on my check and was sent an automated message. I reached out again on XX/XX/2021 to Chime Member Services and received an automated message. On XX/XX/2021 I was told I was " ineligible '' for a refund of my remaining balance. I sent documentation of the email stating I was to receive the check with my remaining balances as stated a month ago. Chime responded they were " unable to disclose further information about the closure of my account '' and attached a link of their policy and have yet to respond further.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My student loans have been paid in full and I requested that Transunion remove the duplicate accounts. They have completed my dispute and are now reporting my student loans as open and t hat is not correct. I had XXXX pay my loans in full and I have documentation to prove that my loans were paid in full.
Consumer complaint received 2021-07-28
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: AMERICAN EXPRESS COMPANY (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. Identity Theft XXXX/DOFED Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft AMEX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX  Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-12
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. (CA)

I have called Experians fraud dispute department located in XXXX XXXX. A male agent answered the telephone and identified himself as XXXX. XXXX then deliberately and willfully hung up on me for whatever reason. I have called Experian on several occasions and never had any agents hang up on me except when XXXX from the fraud department answers the telephone. 

I have gotten XXXX several times and each and every time the call is disconnected at the onset of the call. This is unprofessional and reflects poorly upon Experian. This is preventing me from filing a fraud dispute over the phone, pursuant to my rights under the Federal Fair Credit Reporting Act. This is, among other things, an abusive practice. Mikes behavior is improper. I have all of the recordings with XXXX recorded. 

Please be advised : this notice is an attempt to correct Experians egregious behavior and any information received from you will be collected as evidence should any further action be necessary. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Federal Trade Commission CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2021-07-28
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. (FL)

On XX/XX/XXXX i check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2021-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

I received a letter XX/XX/XXXX From XXXX XXXX XXXX that there computer system was compromised XX/XX/XXXX. I am disputing this account with AARGON COLLECTION AGEN Original creditor : XXXX XXXX XXXXXXXX for {$7700.00} that was opened on XXXX XXXX. I have the right to accurate information on my credit report and from what the letter says my Identity was possibly stolen and account compromised now I have to take steps to protect my identity. XXXX has given me an individual code for XXXX privacy for 12 months of credit monitoring.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

Experian, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-08-12
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. (PA)

NEVER LATE FCRA VIOLATONS : Account info Account name XXXX XXXX Account number XXXX Account type Credit card NOT MINE : FCRA VIOLATIONS : XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} Status Account charged off. {$340.00} written off. {$340.00} past due as of XX/XX/XXXX. 
XXXX, XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5900.00} Status Collection account. 


XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$210.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$80.00} Status Account charged off. {$80.00} written off. {$80.00} past due as of XX/XX/XXXX. 
Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I am being garnished for an account that does not belong to me. The wage execution received has an address that I never lived in. I've been a victim of identity theft before and I have a police report in which I emailed to XXXX on XX/XX/year>.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (OH)

Recently I reviewed one of my credit reports and notice there was some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address, and telephone number be updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following accounts in dispute are listed below : PROFESSIONAL BUREAU OF COMPANY XXXX #, XXXX XXXX # XXXX, XXXX XXXX XXXX ( MEDICAL ) # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, U.S DEPARTMENT OF EDUCATION # XXXX
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (MA)

I have repeatedly called their CS line as well as even RETURNED promotional offers and them trying to get you to sign up for some other loans. I don't want them. I have even opted out with the credit bureaus so you should NOT be sending me anything offering anything extra. I have a card with you. That is it, if there is nothing that needs to be sent in regards to that card, do not send me this misleading GARBAGE anymore.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

I have a mortgage on my house which is serviced by Mr. Cooper. I sent my XXXX payment and included extra to be applied to the principal. Our payment is {$1200.00}. 
Every month we make a {$1300.00} payment and have {$56.00} in additional principal applied to our loan. On XX/XX/XXXX, they applied the regular payment, but only {$6.00} to additional principal. When I contacted them, they said that they applied XXXX {$25.00} Early Payoff Quote fees. I was never made aware of any prepayment fees that applied to this loan. This is unfair. Please help.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

Please help - I have tried calling to find out the status of my Way2Go debit card at XXXX for over two months and can not get a representative on the phone. I requested a debit card for my unemployment funds in XXXX and have not received it. The directions say to call the company to let them know. When I enter my social and date of birth, the automated message says try again later and hangs up. Please help!! 
Mrs. XXXX
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I had applied for a Bank Account with XXXX XXXX XXXX XXXX. My application was then denied when I called to ask them why I was first told that my name came up on ChexSystems. I then ask what came up, and the customer service rep told me I would have to contact ChexSystems. I went to the ChexSystems website and was able to pull up my report from ChexSystems, and It had nothing on it. I then called XXXX XXXX XXXXXXXX XXXX and spoke to a rep named XXXX. I explained to her the situation and asked what was on the report they received because I don't see it on the report I pulled up online. She couldn't give me the information and stated that I would have to file another application If I believed a mistake was made. I then ask to speak to a supervisor, and that one would call me back. I later revived a call from XXXX XXXX XXXX, Second Vice President, Online & Mobile Banking Customer Service Supervisor , Online & Mobile Banking, XXXX XXXX XXXXXXXX XXXX XXXX XXXX She informed me over the phone that ChexSystems had reflagged my address stating it was non-residential and comes back to a homeless shelter. I informed her that the information is false, and she told me to contact ChexSystems. When I contacted ChexSystems they denied providing any other information than what I was able to download from the site.