davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
Product: Mortgage — FHA mortgage
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 (CA)

I went on a XXXX based forbearance in approximately XXXX of XXXX. Shellpoint was great and immediately suspended payments. In XX/XX/XXXX, I called up Shellpoint and notified them that I was ready to start making payments back. On XX/XX/XXXX, I received the " partial claim '' package. In XXXX, I had everything signed and my " single point of Contact '' told me that my first payment would be XX/XX/XXXX. First week of XXXX, I made my first payment. I checked my credit report that week because I was getting solar for the house. Well my score had dropped XXXX points because Shellpoint had reported me 30 days late in XXXX. I do not know how I could be late when they were drawing up the partial claim paperwork that month. Now I can not get solar due to " credit issues ''
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (CA)

Ok so i work for an XXXX XXXX and had the option to get my paycheck on a payroll card known as XXXX, and about a couple weeks ago i lost my wallet.. I informed XXXX immediately and they put a stop to my card.. They then told me they would issue me a new card but it was going to take 7-10 business days to receive or i could spend {$35.00} to get a new card expressed shipped so i agreed to pay the {$35.00} and not less then a week of having the NEW card, I had someone fraudulently withdraw {$180.00} from my account at a XXXX XXXX  XXXX ATM.. I instantly called them and then they said they would put a stop on this card now but i would have to pay another {$35.00} to get another new card.. well 2 days past and i have gotten no card or anything.. so i called again because now it is the XXXX and i have rent to pay and they told me that my card was never sent out so they had to issue me a refund. Never got a refund but was told to call back in 2 business days to talk with someone in disputes. I have now been served with a 30 day notice because i cant access my funds to pay my rent. And they arent even trying to help me.. i dont know what im going to do.. Id never thought id be XXXX.. i even asked if they could send my money that i work hard for to another debit card i have and they said NO.. please help me
Consumer complaint received 2021-10-02
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. (TX)

Credit Reporting Agencies reporting inaccurate information to credit report affecting The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I mailed a physical check to JCPenney/Synchrony Bank which cleared my account on XX/XX/21. The check was cashed by them on XX/XX/21, but rather than submitting the physical check, they somehow transferred it into an electronic funds transfer. Upon trying to resolve this issue multiple times ( beginning XX/XX/XXXX when I learned of the transaction not posting to my account, I started reaching out to them to figure out how to resolve. On three separate occasions, I submitted the requested information and they have denied my claim. I have provided a copy of the statement showing the EFT as well as a letter from my bank with the pertinent information ( they keep requesting a copy of the physical check from the bank, but the bank doesn't have the physical check, only the EFT reference ). the company keeps saying that they can not approve my dispute even after receiving appropriate documentation. 

My email and mailing address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-10-02
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. (TX)

Credit Reporting Agencies reporting inaccurate information to credit report affecting The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

Two possibilities on why I had {$5000.00} fraudulently taken from my checking account. 1 ) With Navy Federal Credit Union ( NFCU ), I was trying to obtain a 2nd Mortgage Home Loan. I was denied because my home was in a Family Trust, and NFCU requires the home to be solely in my name. When I was denied, NFCU sent me a " denial package '' on why I was denied. After clicking on the link, I couldn't log into my online banking. At XXXX that night, I received a " Transaction Alert Notice '' saying {$5000.00} was transferred out of my account. I was on the phone with NFCU until XXXX the next morning trying to stop the transaction to a XXXX XXXX XXXX, at a XXXX XXXX XXXX. I don't know who that is! Days later, I called to check on the status of the transaction, and NFCU blamed me for the transaction and denied my fraudulent claim. 
2 ) The only other guess at who is to blame is that I was coincidentally trying to purchase a Metal Building. Part of their process is to take a photo of a blank check and send it to them for installment payments using the numbers on the bottom of the check. I could not get any information from NFCU, other than denying my fraudulent claim, for whatever reason which is unknown to me. I have contacted local law enforcement and a lawyer.
Consumer complaint received 2021-10-02
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: Experian Information Solutions Inc. (SC)

Experian, XXXX, and XXXX ARE IN Violation of FCRA 15 U.S.C 1681a ( 3 ) RESTRICTION ON SHARING OF MEDICAL INFORMATION. The are reporting two collection accounts on my consumer report that is totally inaccurate from XXXX XXXX XXXX. Under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party.saying the account is verified without stating how this account was verified. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY.
Consumer complaint received 2021-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Celsius US Holding LLC ()

My account and that of my entire family was frozen, we applied to support. Over and over again We didnt receive a response, just automated emails stating that they would contact you within 24 hours or 48 hours. Its been over 60 days!! 

This is a shame, a company of this level of the digital and computer age, with so much technology and credibility, can not provide support to its customers. They simply lock the account, suspend and freeze your funds. And without any satisfaction! No return, no solution This is bad and embarrassing, feeling of helplessness.
Consumer complaint received 2022-05-27
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. (LA)

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected consumer Right to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX ( Original creditor ) Opened : XX/XX/XXXX {$77XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states A consumer reporting agency can not furnish a account without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-10-02
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: SYNCHRONY FINANCIAL (IN)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-10-02
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (IA)

On XX/XX/2021 I sent a letter to DEPT OF ED/NAVIENT. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2021-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 ) This is an unauthorized account popping up on my credit report. This account was opened without my consent or knowledge I would like to have it removed immediately. This has caused a stagnation for me and my financial goals.
Consumer complaint received 2021-10-02
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: TD BANK US HOLDING COMPANY (CA)

I have been a victim of identity theft which occurred in XX/XX/2019. As it was happening I began monitoring the fraudulent credit inquiries. The next month the perpetrator purchase two vehicles under my identity, using a counterfeited State drivers license. As the months with my I was confused about what to do, I contacted the FTC and the three credit bureaus. I discovered that since the investigation was still ongoing I could not get a accurate police report. I spoke to the dealerships and I was told that the fastest way to expedite this problem was to get a police report. After I was able to get a police report I was not able to get in contact with the credit companies, I have reached out and I have left messages, I have personally went to dealerships. Ive been promised to be called back but still shrugged off. I have sent disputes to the three credit bureaus with detailed reports and all of the corresponding information. My delinquent accounts still will not be taken off my credit summary. I am sinking further into debt. I just want this to end.
Consumer complaint received 2021-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NV)

Starting from around the year XXXX til this day our lender XXXX XXXX which is now using Rushmore Loan Management Services has made our lives a living hell. The amount of fear, anxiety, worrying, sleepless nights, suffering, countless day and nights of crying, begging for help to save our home was/is beyond XXXX XXXX and extremely XXXX -All the threatening calls that were made to us all hours of night, If we didnt pay what scary consequences we would face, How they would garnish our social security benefits money, to strangers driving by our house daily-taking pictures, and even trespassing on our property freely and fearlessly to which eventually took a major major toll on us mentally, emotionally, and physically. So two years after my initial request and plea for help from XXXX XXXX and no luck nor care from them we couldnt take anymore pain and suffering and debt that added up. We decided for our health and sanity to file a bankruptcy.I think within 24 hours or so if Im not mistaking of filing and XXXX XXXX  finding out all of the sudden we received a phone call from them telling us what great news they had for us, they would not foreclose, Give us the dream modification, our interest rate would be 2 % but most importantly let us keep the house ONLY if we agreed to not include them in the bankruptcy. After hearing that and believing and trusting what they claimed to be the dream modification assuming a license professional knows what they are talking about we immediately agreed because we love our home and we got lucky.
Consumer complaint received 2022-05-27
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. (NJ)

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

15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-27
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. (TX)

Hello, I've noticed I have a hard inquiry on my Transunion report for the below. 

XXXX XXXX XXXX XXXX XXXX Bank ) on XX/XX/2021 I'm not sure what this is as I have not gotten any loans or have applied for anything.
Consumer complaint received 2022-05-27
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. (SC)

So I sent a letter off on XXXX XXXX. Here is my tracking numbers # XXXX and XXXX. To remove personal information that I do not want on my credit report. According to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

" My account was opened in XXXX '' my account history shows how I handle my accounts. " I reported my card lost and closed it in XX/XX/XXXX '' my account was also compromised. Bank of America charged fees and interest on account originally ending in XXXX then changed to ending in XXXX in XXXX the card was reported lost and closed to both Bank of America and the credit bureau in XX/XX/XXXX, additionally the company caused additional costs to be incurred, I did advise them not only was my credit card lost but I was also locked out of online banking and not receiving statements due to the compromise. Bank of America was contacted on countless occasions to refund these back to me and issue a check, Bank of America neglected to do so, I was transferred back and forth and even hung up on several times. Additionally, my information on the account was changed by and associate to prevent properly verifying me by phone. BANK OF AMERICA CONTINUES TO PASS MY ACCOUNT AROUND AND ROUTE ME TO A PERSON 'S VOICEMAIL. THE RECENT ONE ALSO DOES NOT HAVE A UNDERSTANDABLE AND CLEAR VOICEMAIL. PLEASE RESOLVE THE ISSUE BY REFUNDING THESE FEES AND INTEREST CHARGED AFTER THE CARD WAS REPORTED LOST AND CLOSED. I DO NOT HAVE A HISTORY OF LATE PAYMENTS, THANK YOU.
Consumer complaint received 2021-10-01
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. (WI)

I have attempted on 3 occasions to obtain the method of verification used to verify an erroneous bankruptcy that has been listed on my credit profile. Experian has yet to provide that proof of verification. After reviewing their website, it was found that a third party credit agency, XXXX XXXX at times furnishes information to the credit bureaus. After reading that I contacted XXXX XXXX who attempted to verify this account with the courts. The courts sent notice that they do not verify such information. XXXX XXXX then deleted this erroneous bankruptcy from their records. This bankruptcy is unverifiable and should be deleted from my credit report. I have attempted to get actual proof of verification since XX/XX/XXXX, XXXX Letters sent to Experian on XX/XX/2021, XX/XX/2021 and CFPB complaint sent on XX/XX/2021. Even after a compliaint was filed, it STILL did not receive any verification of this bankruptcy. How is this even possible that this continues to happen. It is now XX/XX/2021 and I STILL have NO PROOF OF VERIFICATION. This is beyond unacceptable at this point. Without verification this accounts need to be removed ASAP.
Consumer complaint received 2021-10-01
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. (TX)

I paid off my car lease with XXXX XXXX XXXX and closed my account. Eqiufax credit reporting agency is still reporting my account open with a balance. I have disputed this matter twice with Equifax and they keep reporting my report incorrectly. It should say closed with a XXXX balance. I have provided a letter from XXXX XXXX confirming my closed account
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I took out an auto loan with capital one for XXXX on XXXX XXXX with my payment being a little over XXXX. The loan was for 74 months. I have paid XXXX dollars on that loan which is significantly reducing the life of the loan but I am currently dealing with a financial hardship right now and they are not Even trying to work with me on an extension or lowering my payments at all.. I put XXXX down on my car and paid XXXX on my loan so Im really trying to not lose my only vehicle for XXXX
Consumer complaint received 2021-10-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Wilber and Associates, P.C. (MA)

Received a call from this company Wilber and Associates PC claiming I owed {$2900.00} in damages to another unit in my building when my condo flood in the bathroom. I paid the cleaning service that the XXXX XXXX approved. This company is claiming someone on the 1st floor, filed with them. The said unit is Nowhere near my side of the building. I Live on the 3nd floor. The unit right next to my bathroom Did not accrue any damages. This Bill is a Scam. They're e-mailing, calling me to collect on bogus debt. I have insurance, my XXXX XXXX would notify me, there was a problem.
Consumer complaint received 2021-10-01
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. (NJ)

I disputed a closed account with XXXX, Transunion and XXXX credit bureau. 

I also contacted the card company XXXX XXXX XXXX. They assured me it was a big mistake. 

XXXX was the only credit bureau who actually investigated and fixed the issue. 

Transunion and XXXX dispute results claimed the closed account was ACCURATE. I lost points on both my credit reports for the closure. According to Transunion and XXXX the last time I made a payment on the account is in XX/XX/XXXX. The account balance both Transunion and XXXX are posting is inaccurate. The balance they're reporting is {$180.00}. As of XX/XX/XXXX According to my card account online and Statement as of XX/XX/XXXX the account is OPEN. The balance is {$140.00}. I made payments on XX/XX/XXXX and also XX/XX/XXXX. 

I've also made a purchases on the card XX/XX/XXXX {$52.00}, and on XX/XX/XXXX around XXXX est. For {$10.00} so im not sure how the account is CLOSED. This is affecting my credit score and my credit worthiness. 

I don't believe Transunion and XXXX never contacted the card company when I put in the dispute they just went off what was reported in previous days on file. The dispute results came bk within 24hours ( which is quick for a proper investigation ) saying the information was ACCURATE which is a BOLD FACE LIE. I NEVER MISSED A PAYMENT. MY ADDRESS NEVER CHANGED.