davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

UNAUTHORIZED INQUIRIES ON MY ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Newrez/Shellpoint was the mortgage provider for my mother and fathers family home. Both my mother and father died in XXXX and XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX  wrote a check on XX/XX/XXXX to the estates of my parents for {$560000.00}. Shellpoint mortgage months later ( XX/XX/XXXX ) wrote a check for {$470000.00} to " EST OF XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I tried to deposit this check in both of the estate accounts that I opened to settle out my deceased parents affairs and was told that the check can NOT be made out to both estates. XXXX XXXX XXXX XXXX XXXX XXXX both told me that the check can not be made out to both estates and that a combined estate account was not a thing. 

I have called Newrez XXXX times in recent months trying to get this issue resolved and have been told time after time that there is nothing they can do, and that it is their policy to write checks to all parties on the account in this case. 

This company currently owes my family {$470000.00} plus interest and is making no effort to get us paid. Their customer support has been awful and the people making the decisions, who could help do not take phone calls or apparently respond to emails. 

Please help us. I am simply trying to access these funds to settle out my family 's affairs and Shellpoint mortgage has ignored us and has essentially stolen this money from my family at an acute time of need. They have caused severe emotional and financial stress to our family and they should be held fully accountable.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (WI)

My wallet & phone were stolen while I was out at dinner early XXXX. I got a new phone a day or so later and I noticed some disputes were filed through my bank from cashapp. When I called both cashapp & my bank after I noticed XXXX was missing from my cashapp, I was told this was due to charge back and it was too late to cancel the dispute. On XX/XX/XXXX, the dispute was closed with no error occurring ( which means I should've gotten the XXXX back. However cashapp closed my account and referred me back to my bank who initially referred me to them. Now I am out of XXXX and cashapp refuses to explain anything about my funds.
Consumer complaint received 2020-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Yesterday I reviewed a copy of my credit report and I saw some unauthorized credit inquiries on me. Also, I am requesting an updated copy of my credit report.
Consumer complaint received 2022-11-07
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. (PA)

It seems like every time I talk to a collection agency that has the account theyll close it and then somebody else to get it its like they pass it on to hundreds of these companies and even though you settled it they still come after you saying that you owe this account. I asked the agencies numerous times in the company to validate the debt show when the debt was validated thats all I ask. And if they can not then I ask for all accounts to be removed from all credit agencies and all negative remarks be removed ASAP.
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRUSTMARK CORPORATION (MS)

XXXX took {$2300.00} from my checking account. I have been unable to get my money back. Which made my account go into the negative. The bank closed my account and now has filed with XXXX XXXX to get the negative amount from me. Which its not my fault its XXXX
Consumer complaint received 2020-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (VA)

My XXXX XXXX XXXX was totaled on XX/XX/XXXX and I informed Santander of this. Prior, to this happening I made and setup payment arrangements on my account with the maturity date changing on my loan to accommodate these changes. My vehicle was totaled and the other driver and was liable.Their insurance company paid the value of the vehicle.Leaving me with a balance of {$5100.00}. I purchased GAP with the intent of being able to actually use it. Upon, discovering the lender had provided inaccurate information regarding my payment history and being behind in the amount of {$4700.00} GAP only agreed to pay {$540.00} leaving me with a balance of {$4600.00} and I'm continuing to accrue interest daily although the XXXX has been signed over and they've received payment on the vehicle as well.Currently, due to their greed my account is still open and I have a balance of {$5400.00} including interest.
Consumer complaint received 2023-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST MERCHANTS CORPORATION (IN)

My mortgage company, First Merchants Bank, has been overcharging me for my escrow withholding significantly this year. After I got my first property tax bill this year, I called them on XX/XX/23 and told them they overestimated the taxes and needed to recalculate based on this year 's actual bill. They sent back paperwork XXXX weeks later with my existing escrow schedule and did not re-run anything. I have not heard anything from them since. I can not keep making these inflated payments.
Consumer complaint received 2020-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc. (TX)

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Merchants & Professional. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2020-09-29
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: EQUIFAX, INC. (AL)

I have sent three letters challenging the accuracy of this account one on XX/XX/XXXX and the other on XX/XX/XXXX and one on XX/XX/XXXX and yet still no response. Both XXXX  and XXXX  deleted this alleged account because of many inaccuracies. The data furnisher also failed to validate this account, yet somehow Equifax has still managed to verify. They violate my rights under the FCRA by doing the following : Violation 1 : They failed to place this account as in dispute status Violation 2 : They failed to provide to the person who provided the information in dispute all relevant information regarding the dispute Violation 3 : Failure to provide complete and accurate information I have provided provided a screenshot image to proof of how Equifax has been misreporting this account. In XXXX of XXXX they have me as being on time which is then immediately followed by two 120 day late payments in XX/XX/XXXX an XX/XX/XXXX. If it was reported correctly shouldn't it say 30 days and 60 days late for those accounts? 


I have also provided my most recent letter along with the tracking number that proves it arrived to Equifax XX/XX/XXXX. 
Account Name : XXXX XXXX Account Number :XXXX
Consumer complaint received 2020-09-29
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)

XXXX  and Experian are fraudulent on my following accounts : XXXX XXXX XXXX is fraudulent on my Account Number : XXXX XXXX/XXXX  XXXX XXXX fraudulent on my Account Number : XXXX
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (TX)

Tried calling on phone and entered number for a call back and they seem to never call me back during business hours. I even called and waited on hold for over an hour and still didn't speak with no one and this was after I took the steps requested in their portal. I even sent them the proof in an email but still no response from them.
Consumer complaint received 2023-01-25
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. (MI)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-09-29
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: Experian Information Solutions Inc. (CA)

I hope you can help. I file disputes in XXXX and still havent heard anything. I am aware things are slower now but over 30 days should not be allowed.
Consumer complaint received 2020-09-29
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. (CA)

I hope you can help. I file disputes in XXXX and still havent heard anything. I am aware things are slower now but over 30 days should not be allowed.
Consumer complaint received 2021-02-06
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)

The bureau says that they verified this inaccuracy with XXXX XXXX which is a lie because it has been frozen since XX/XX/2020. I have provided written proof. In addition, the bureau has infringed upon my right to privacy based on the law 15 US Code 1681 ( a ) ( 4 ). With respect to privacy there is no such thing as a matter of public record for XXXX XXXX XXXX being as tho I am the consumer.
Consumer complaint received 2020-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2020-09-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP (MA)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting  timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX  XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays,  so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2022-11-07
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX ] In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (CT)

This debt does not belong to me. I have already disputed this debt in writing in XX/XX/2020 with the company and they did not validate this debt as belonging to me. It was removed from one credit bureau but still remains on the other.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Chime Financial Inc (MO)

I had a chime credit builder account that I noticed was negative by like XXXX $ somehow. So after chime customer service couldn't explain to me where the XXXX $ charge was coming from, I closed the account. They failed to inform me that after closing the account any money on that account that I'd be getting refunded back I would then lose, INCLUDING MY TAX RETURN! So now I can't get any help with getting my money because no one at chime knows what I'm talking about! I'm XXXX because this will be the 2nd time they stole my tax check and I can't do nothing about it! This is wrong and I need help resolving this asap!
Consumer complaint received 2021-02-06
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: Harley Davidson Financial Services Inc (MS)

I have been disputing this account since XXXX. It was changed to charge off/ paid for less than full amount However that is NOT ACCURATE! 
It also reports different Closed Dates on all 3 of my reports, one report has XXXX, one has XXXX, and one has XXXX. The payment history is also inaccurate! Ive been fighting this for 2 years! Theres 2 different creditors being reported, though it may be the SAME COMPANY, the reports show One In Nevada and one shows XXXX. They only UPDATE it each time .... 
nothing about this account is ACCURATE!
Consumer complaint received 2021-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

HELP ME, I AM LOCKED OUT OF MY ACCT!! 

I AM XXXX AND UNABLE TO CALL YOU OR GO TO A BRANCH. 

I have NOT been able to get online or on my phone ( XXXX ) XXXX for all of XXXX It will NOT accept my ssn it says that it exists already? 
We have NO need to communicate, just unlock my account XXXX XXXX XXXX XXXX XXXX XXXXI CAN NOT TALK ON THE PHONE XXXX unlock my account
Consumer complaint received 2020-09-29
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. (GA)

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THESE ACCOUNTS ARE HURTING MY CREDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THESE ACCOUNTS ARE HURTING MY CREDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2020-09-29
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. (FL)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.