davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
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: Shellpoint Partners, LLC (WA)

XX/XX/XXXX I filed Chapter XXXX include which did NOT include the mortgage ; XX/XX/XXXX it was successfully completed & discharged. XXXX of XXXX was contacted by XXXX the mortgage servicing company that the XX/XX/XXXX payment was missed & after providing proof of payment notified that the XX/XX/XXXX payment was missed & again provided proof of payment ; shortly was again notified that the XX/XX/XXXX payment was missed. While I haven't been able to find proof of that payment I'm sure that it was made. So all payments both before & after XX/XX/XXXX are documented as paid on time. Once the Ch XXXX was over XXXX proceeded to report my timely payments as 30 days late mostly on an every other month basis. Late fees were never accessed. Apparently XXXX applied payments against arrears which caused the late payments. On advise of my attorney I made an extra payment so it would not affect the the mortgage I am now trying to get approved. Fast forward to XX/XX/XXXX SHELLPOINT assume this debt & stated payments made to XXXX & then sent on would not be reported as late yet they did & now I have a 60 day late. 
ATTACHED ; XXXX XXXX MORTGAGE PAYMENT HISTORY, SHELLPOINT STATEMENT
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

XX/XX/XXXX I filed Chapter XXXX include which did NOT include the mortgage ; XX/XX/XXXX it was successfully completed & discharged.  XX/XX/XXXX was contacted by XXXX the mortgage servicing company that the XX/XX/XXXX payment was missed & after providing proof of payment notified that the XX/XX/XXXX payment was missed & again provided proof of payment ; shortly was again notified that the XX/XX/XXXX payment was missed. While I haven't been able to find proof of that payment I'm sure that it was made. So all payments both before & after XX/XX/XXXX are documented as paid on time. Once the Ch XXXX was over XXXX proceeded to report my timely payments as 30 days late mostly on an every other month basis. Late fees were never accessed. Apparently XXXX applied payments against arrears which caused the late payments. On advise of my attorney I made an extra payment so it would not affect the the mortgage I am now trying to get approved. Fast forward to XX/XX/XXXX XXXX assume this debt & stated payments made to XXXX & then sent on would not be reported as late yet they did & now I have a 60 day late. 
ATTACHED ; XXXX XX/XX/XXXX MORTGAGE PAYMENT HISTORY, XX/XX/XXXX STATEMENT
Consumer complaint received 2022-10-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (FL)

Credit declined by underwriters for supposed eviction XXXX. My daughter was evicted from a trailer park in XXXX. I probably co-signed for her. I don't know if this is what is causing the denial. I have tried to get information about what I owe for my daughter 's eviction and who I owe it to, but have not been successful yet. I moved to Florida in XXXX and never got any notice of legal action at the time.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CO)

I was 2 months behind on payments and SunTrust would not take partial payments to get caught up along with trying to do a modification they wouldn't assist me on my sole person and I was told several times I needed my ex wife 's information even though I have supplied the divorce papers along with the quit claim. The only assistance I have received from them is calling several times a week and finally saying something about Corona virus to then be allowed to make partial payments to them.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TRAN UNION XXXX : XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) These lenders accessed my credit file illegal and I want them all to be deleted or remove from my file immediately : Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Trans Union for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Best regards, XXXX XXXX
Consumer complaint received 2023-03-17
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (NC)

I have a secured credit card with Self lender. They were supposed to be a credit builder company, and thats the reason I have obtained it. XX/XX/20 I have received email from all my credit monitoring platforms stating that I have overspent my credit card, and for that reason my XXXX credit score decreased XXXX points! This company called self lender is practicing unfair business! I have paid my credit card much before the due date XX/XX/20, instead of this company be reporting to the credit bureau like any other financial institution, they are reporting what you spent on your card before payment is due. For example : my credit card is due on the XXXX of each month. I pay the credit card the XXXX of that month. After the statement posts like any other credit card I can spend. This company is reporting to credit bureau at the end of each month your balance that you have on your card! This company has Hurt my credit score in the middle of purchasing a home. Im in the process of purchasing a home, and my credit has reduced XXXX points. They have reported to the credit bureaus that I have overspent {$18.00} dollars from my credit card! I need this company to shut down! I have filed a complaint with the XXXX XXXX XXXX  as well! They will not ruin my house purchasing! I am a single mother with a young kid, and my dream my whole life was to purchase a home. I need Selfer lender to fix what they have done to my credit as soon as possible! Im closing my house in 2 months! I cant afford taking a hit of XXXX points on my credit score! I will upload photos of what was reported to the credit bureaus as well as my statement.
Consumer complaint received 2020-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX and I am writing this letter to request for a dispute to be opened for the following inquires be removed as the inquiries dont belong to me. I did not apply for any of the following inquires which means they are all fraudulent and are errors on my credit report that needs to be removed. I tried disputing this with Transunion and they declined to assist me with this issue. My understanding about Transunion reporting information is that everything reporting should be factual and true, but the information in the letter is not factual and Transunion does not have proof or any form of evidence. I am requesting the following information be removed from my credit report. I am a victim of Identity theft and the police report is attached with the letter listing all the inquires that don't belong to me. I submitted this complaint before and Transunion claimed that this is a credit repair company helping me, but this is self ( XXXX XXXX ).  See letter.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TX)

I applied for a Sony XXXX visa credit card and within few days my application was denied due to a fraud alert in place and this bank wants to me remove the fraud alert on my XXXX  credit report and a hard inquiry was in place by the bank and this bank wasted my time and I cause a credit point loss on my credit report ..and I dont have anything bad on my credit report and I would like this bank to either remove the inquiry or I can reapply ..
Consumer complaint received 2023-07-25
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

There are multiple addresses that dont belong on my credit report and need to be removed immediately I have reached out to experian concerning this issue and have been ignored please remove all incorrect fraudulent address immediately plz and ty and also names XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX fl XXXX XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX Also All names should be deleted from my credit file my name should only show up as XXXX XXXX XXXX all other spellings of my name and records of my name are incorrect and should be deleted immediately
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (MI)

I checked my Experian to unfreeze my account due to fraud from my bank account. I notice there was an inquiry from XXXX XXXX XXXX. I do now recognize this company nor have I opened an inquiry with this company therefore I believe it is ongoing fraud. Experian disputed this on my file. My bank XXXXXXXX XXXX there was fraud on my account and I had to close my accounts. I also stated to Experian there was an incorrect name being used on my account with the middle initial XXXX They said they disputed this as well. I also do not recognize XXXXXXXX XXXX on my Experian credit.
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

On XXXX after over two months being mislead, and a very intrusive Loan Process my Wife and Daughter who were trying to purchase a Property in NC together were denied, because Wells Fargo Mortgage proclaimed my Wife had a Foreclosure in XX/XX/XXXX. Just two or so days before that, they had claimed they were using a Underwriting Specialist to fix some obsessive issue 's with original Underwriter. Then this bizarre Foreclosure stuff hit? 
We have spent a great deal of Time, Money and these issue 's have taken a huge toll on my XXXX wife. 
We have full documentation of how this process unfolded, and the Emails and communications that were exchanged. 
Why did they not deny my wife in the begining even by this false claim of Foreclosure? 
We traveled from AZ to NC thinking we were going to close, and now we are out a lot of money and have now lost the Home, because we could not extend the Contract, since it had been extended a few times prior.

We felt like this " Investigation '' of sorts was center on me ( Her Husband ) and I was not even on this Loan application at all. 
We worked with Wells Fargo to try and resolve this, and suddenly it was just full stop?
Consumer complaint received 2022-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MD)

LVNV FUNDING LLC- This collection account has been reported as having passed due balance of {$830.00} on my XXXX credit report ( ONLY )- I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

Note : This complaint is NOT for verification, this company couldnt provide me with ANY paperwork showing 100 % VALIDATED proof that I am responsible for this alleged debt. LVNV FUNDING LLC, MUST provide me with the following with 30 days. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to the collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NV)

Citi Cards has three times ruled in favor of the merchant on dispute # XXXX for fraud, despite my having provided definitive proof. 
On XXXX XXXX I booked a non-refundable room at XXXX XXXX, XXXX XXXX for the nights of XXXX XXXX. I booked it only because the terms were ( and the confirmation guaranteed ) that my XXXX XXXX would not be charged until my XX/XX/XXXX arrival. 
XXXX XXXX fraudulently charged my Costco Visa the following day ( XXXX XXXX ) the full {$210.00}, over four months in advance. I called and they refused to reverse that fraudulent charge. 
I booked to pay only on XXXX XXXX arrival because I could be denied a room due to overbooking, property damage or COVID-19 closure. I would then have no recourse through Citi Cards for recovering these monies paid months in advance. My confirmation confirms those were the terms, and XXXX XXXX ignored them. 
Citi Cards ruled in favor of the merchant twice for reasons unrelated to my dispute, then finally ruled for the merchant on the basis that the merchant 's terms and conditions apply. The merchant 's policy was disclosed in the confirmation provided. The confirmation proves the exact opposite of that statement, yet Citi Cards refuses to consider the dispute further. 
The tone and content of the last two Citi Card decisions were insulting and threatening. We have for years charged many tens of thousands of goods and services on this card ( over {$28000.00} in 2019 alone ), always paying the balance monthly in full and on time. Their admonition that we pay up or be reported to the credit bureaus is insulting.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (GA)

The XXXX for my AMEX-Delta card is XXXX %. The balance on my XXXX statement was {$5400.00} and the payment due date was XXXX. Between XX/XX/XXXX and XX/XX/XXXX, my payments and credits toward my balance was {$5000.00}, meaning I had an unpaid balance by the XX/XX/XXXX due date of {$320.00}. 
On my XXXX statement AMEX says that my prior balance subject to interest rate charge was {$3000.00} and I was charged an interest fee of {$72.00}. This interest charge is well above my XXXX and the balance subject to interest rate charges is incorrect. Moreover, I made a payment of {$320.00} on XX/XX/XXXX XXXX XXXX  days after the XX/XX/XXXX due date so the trailing balance only existed for at most 4 days. 
The XXXX billing statement also says that I had {$6100.00} in new charges and a total balance due of {$6200.00} by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I made {$6300.00} in payments ( more than the total balance due on the statement ) and a credit of {$85.00}. This is a total of {$6400.00} in payments and credits for that billing cycle an overpayment of {$180.00} by the XX/XX/XXXX due date. 
However, on my XXXX billing statement, AMEX says that {$4600.00} of my prior balance was subject to interest charges and charged me an interest fee of {$100.00}. 
On XX/XX/2023, I called AMEX Customer Care to resolve this issue of incorrect interest charges and the representative told me that the interest charges are correct and a result of trailing interest resulting from being {$320.00} short in my XXXX  billing cycle grace period. I told the gentleman that I disagree and will file a claim with the CFPB. 
I feel that AMEXs algorithm for calculating interest rate fees is grossly incorrect and needs to be corrected. Think of all the current and prior customers of AMEX negatively impacted by this incorrect algorithm. I want to have my account credited for the incorrect interest rate fees.
Consumer complaint received 2016-12-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Miller, Stark, Klein and Associates (AZ)

Miller Stark Klein and Associates is claiming I have past due credit card debt with XXXX, They claim if I do n't resolve it, I am being sued for wire fraud. They left me several messages. Two of the messages that were left on XXXX and XXXX of this year claim that if I do n't resolve this debt, I would be sued for wire fraud. 

I spoke to XXXX from Miller Stark Klein and Associates on XXXX, XXXX of this year. He stated they were trying to contact me about an alleged past due credit card debt with XXXX. He said he could settle the debt that day for {$900.00} and the balance owed was {$1500.00}. He also said if I did n't make a payment arrangement with them, the balance owed would be {$6900.00} with interest and court costs. 

I then asked XXXX if he was a law firm. He said, no we 're litigators. He said if I did n't pay, I would be taken to court. I then asked him what attorney was handling this case. He claimed he had a whole network of attorneys that they worked with, but could not provide me with a name. He also claimed I was being sued for wire fraud. 

I do not believe this company has the authority to take me to court, and I do not believe past due credit card debt can be considered wire fraud. The statute of limitations for credit card debt in Arizona is six years. They are claiming the debt was charged off in 2008, therefore this debt is time-barred. I believe this company is a fraud. To my knowledge, this company making legal threats that they have no intention of carrying out is illegal. It is not standard practice for an attorney, or anybody that is in the debt collection business to claim I am being sued for wire fraud over credit card debt. I also do not believe this company works with any attorney whatsoever, and I severely doubt they have the authority to even collect these debts. Please investigate this company. Thank you.