davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I inquired with Shellpoint Morgage ( Loan # XXXX - Property address XXXX XXXX XXXX, XXXX, TX XXXX ) on XX/XX/XXXX about removing my PMI. They told me I needed to fill out a form to request the removal and might require an appraisal if it is only 80 % LTV. They also told me it is automatically removed at 78 %. I never received the form and since I was close ( XX/XX/XXXX/XX/XX/XXXX ) to the 78 % LTV, I decided the cost of paying it down was about the same as the cost of the appraisal, I'd just wait until I paid the loan to 78 % LTV. 

I inquired in XX/XX/XXXX with Shellpoint about removing the PMI from my loan a 2nd time. I also made a request online, see attached The person I spoke with said they would not remove the PMI, even though the loan was now below a 78 % LTV. He said that since my property was non-owner occupied that the LTV requirements to remove PMI are lower. This is contrary to what I was told previously. My current loan amount is {$100000.00} ( see attached ). They are showing per my Shellpoint online account info. my LTV at 74.34 %. Please assist me in getting my PMI removed from my loan. Thank YOU!!!
Consumer complaint received 2019-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MI)

Attached are copies of statements from XXXX and XXXX as well as statements saying I owe XXXX XXXX. However, I have documentation that XXXX has no proof of a contract with my signature, no video surveillance of me submitting an application or phone recording of me applying for an account. Same is true for XXXX! 

I have asked them same of XXXX XXXX  : Proof they have a signed contract by me, between me and XXXX XXXX, a video surveillance of me submitting an application or a phone recording of me applying for a line of credit with XXXX XXXX. They have not been able to do so. They keep sending me statements. 

Under the FCRA, this is NOT Validation of a Debt. This is false reporting and not reporting 100 % accurate by any company as they have NO PROOF these are my accounts.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX XXXXXXXX a request for Debt verification. ( a copy of this request is attached. ) This request was sent by Certified mail with return receipt ( a copy of this receipt that verifies the date the request was sent ) XXXX XXXX  received this request on XX/XX/XXXX as verified by the return receipt ( also attached ) On XX/XX/XXXX I sent Trans Union a dispute ( attached hereto ) requesting this XXXX XXXX record be deleted for failure to respond to my debt verification letter it has been more than 30 days and Trans Union has failed to respond and the complaint of error remains on my credit report.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report :
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX and application for a Capital One credit card was processed. This was done by my ex husband without my permission.

Upon finding out about the accounts existence and how it could negatively affect my credit, on XX/XX/XXXX, I immediately contacted Capital One and requested that the account be closed.

The account was never paid late and it's current status is " Closed ''
Consumer complaint received 2022-09-13
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. (TX)

XX/XX/22 i got alert from experian saying a had account added to collection for XXXX this account is absolutely fraud the name is similar and address is only similar in XXXX this is not my account XXXX XXXX XXXX knows this account needs to be removed immediately I have filed police report and ftc report I also have obtain lawyer
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-04
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. (MN)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.
Consumer complaint received 2019-12-04
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. (TX)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2022-09-15
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. (NC)

The unverified items listed below are reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed items which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports : XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2022-11-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

At the beginning of XX/XX/2017, I opened a Bank of America checking and savings account. On XX/XX/XXXX, I deposited a final payroll check from my employer, made out to me, through the mobile app. After the date that the funds were supposed to be posted ( XX/XX/XXXX ), and my account balance was still {$0.00}, I called customer service and they said my check was flagged as fraud and my account was being closed. After going back and forth for 2 months, they said they would mail out a cashiers check for the full amount. They could not provide me a tracking number, estimated date I should expect the check in the mail, nor was it sent certified mail so didnt require an authorized signature to be released. It is not almost 3 years later, and I have not received any check or follow up.
Consumer complaint received 2019-12-04
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. (TX)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2022-09-15
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. (TX)

I sent a Bureaus letter last XX/XX/2022, to update the incorrect accounts in my reports which I believe has been taken care of due to the written appeals. However, no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : ATTYGENERL XXXX Balance : {$5000.00} OFFICE OF THE ATTY GEN XXXX Balanced Owed : {$25000.00}
Consumer complaint received 2023-07-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (NC)

Spring Oaks Capital LLC called my mother in law trying to find my husband about a debt. We were not aware about this debt as no letters have been received by us to dispute. After looking on our credit report we see that the original creditor was XXXX XXXX. He has never had an account with them. The creditor called my mother in law at XXXX. When I called the number back on XXXX directly after, they would not identify who they were. The original caller actually refused to come to the phone. We were finally able to get out of them the agency they were with and amount owed but did not tell us who the original creditor was. 

Spring Oaks was absolutely unprofessional and disgusting. They divulged private information to my mother in law, which to my understanding is against federal law. They would not identify themselves to us nor the original creditor which i believe violates federal law as well. 

Spring Oaks needs to not contact myself, my husband, his employer, or my family. I want this removed from his credit as I have no idea what this account even pertains to and they failed miserably notifying us that this was owed. 

XXXX XXXX  needs to remove the charge off as well, we have never received any letters so we could dispute the debt and we have no idea what this account is.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

I opened XXXX XXXX Visa, Comenity Bank in XX/XX/2019. I didn't get an cards or statement for over 2 months. They sent it to he wrong address. Once rectified, I paid the balance in full within 6 months but found out that I changed me interest which they refused to take off ( it less than 6 months ). They counted the 2 months that I didn't have activated credit card. So I sent in a payment in full with letter to cancel credit card account. They did not credit check for 10 days & then changed me a late fee. They refused to remove late fee. This is a bank I will never do business with again.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TN)

I had 2 credit cards closed by Citi on XX/XX/20. 

One account had just recently been opened ( XX/XX/20 ) and a statement had not closed yet, so my pending rewards of XXXX Thank You points disappeared. The other card, which had been open for years, had unredeemed reward dollars that had been accruing for awhile, as well as pending reward dollars from my most recent statement, totaling over {$2500.00}. 

On XX/XX/20, I contacted the number provided to me upon signing into my account regarding the closure and the automated system said that I had {$2400.00} in rewards available currently and after my statement closed on XX/XX/20, I would have {$2700.00} in rewards. I spoke to 2 representatives and they said they were unable to redeem any at that time, but I would be able to redeem all rewards after my statement closed on XX/XX/20. I asked why I was unable to redeem the points that had been available for redemption prior to the closure of the card ( {$2400.00} ) and the representative was not sure and said he was unable to do it. I asked for a supervisor to see if they had the ability to do so and spoke with an account supervisor who indicated it should be no problem. She forwarded a request to another department to have a check sent to my address for the rewards owed. On XX/XX/20, I received a letter from Citi in response to the check request stating that all previously earned cash rewards were forfeited when my account was closed. 

My accounts were in good standing prior to the closure. They had just approved me for another credit card on XX/XX/20, less than a month prior to closing both accounts, so this was out of nowhere. It appears to me that Citi merely closed my accounts so that they could confiscate a large sum of rewards and avoid having to pay them out.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In order to REMIND the TransUnion Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand the immediate removal of this! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Owed : {$990.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-27
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. (NJ)

I was checking my credit and saw a time share on my credit when I called. They said they couldnt give me any information. This is illegal. Its lates on my report for something I never had please delete it. its not mines and the creditor refuses to give me information. and the credit bureau are being rude
Consumer complaint received 2020-02-27
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. (NJ)

I was checking my credit and saw a time share on my credit when I called. They said they couldnt give me any information. This is illegal. Its lates on my report for something I never had please delete it. its not mines and the creditor refuses to give me information. and the credit bureau are being rude
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

SPS Select Portfolio Servicing Department is not analyzing my income correctly and does not ask for any additional information to clarify 1. how are they calculating my net income without all net deposits from my paystub being included ; 2. How is my net income of {$100000.00} not adequate for a repayment plan or modification when the documented net income is 3x the amount needed to qualify for a mortgage payment equivalent to my balance owed.

3. what payment was calculated as not reasonable or affordable?

4. how much more money is needed to be paid on a payment plan after the {$20000.00} that I paid was not properly applied to the principal and interest amounts that are required by law 5. what other financial documentation is needed to verify my income as none has been provided? 

6. What happened to the latest paystubs, W-2 's and notes on pay sent in XX/XX/XXXX and again on XX/XX/XXXX, now being sent again, as your letter of XX/XX/XXXX is using information submitted in XX/XX/2019 versus the latest information provided
Consumer complaint received 2020-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I made 6 payments to sallie mae/navient through money order. All 6 payments were cashed by sallie mae/navient, but never credited to my account. They put me into default for no payment for 270 days, even though I made 6 payments. I put my full name, address, and SSN on every money order. XXXX XXXX XXXX charged me over {$10000.00} in fees, and the US Government charged me {$22000.00} in default penalty. Had sallie mae/navient credited my account the payments, I would never have been put in default and charged {$30000.00} in penalties and fees. I was finally able to get somebody at sallie mae/navient to research my payments last year. They admitted they were never posted to my account and they refunded the 6 payments to me in 2019. What the US Government did to me is illegal.
Consumer complaint received 2020-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I paid for an item through XXXX, the sender did not deliver the item. Then did not refund me. XXXX will not refund me. The bank will not refund me.