davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (GA)

I am currently under daily unbearable stress with this situation with Shellpoint Mortgage. This situation seemed to have derived from the Loan Modification done with my home in XXXX, which did not cause an issue until my mortgage was obtained by Shellpoint Mortgage. 

Since the modification in XXXX there was a period of me not being able to pay when I did come off XXXX as a XXXX in XXXX shortly after the start of the Pandemic, due to the Pandemic. 

However, in XX/XX/XXXX I was able to do a forbearance with the mortgage and the previous mortgage company and things were getting back on track. The forbearance ended on my mortgage in XX/XX/XXXX, and I began making my regular payments. I made the regular monthly payments from XX/XX/XXXX to XX/XX/XXXX. My loan was transferred to Shellpoint in XX/XX/XXXX. I tried to make my monthly payment for XX/XX/XXXX online and the site would NOT allow me to. I also noticed at that time the Modification seem to not be honored any longer because the past due amount and outstanding balance, both were totally different from the previous month with my last lender. 

I placed a call to Shellpoint inquiring why I could not make a payment online, why there was a difference in the loan balance, and why was the past due amount incorrect. The young lady on the call assisting me seemed confused on what was going on with the loan. But she did clearly state I could not make the one monthly payment I was trying to make. I was told the online system would not allow me to make any payments until the past due amount was paid. I replied with, the past due amount is incorrect, and I did not have that amount of money it was claiming was past due. 

I have been unable to get Shellpoint to correct this and honor the Modification I was under prior to transferring to them. I reached my point of total frustration with this when I received a credit alert showing Shellpoint reporting my loan past due for the incorrect amount, when I tried to make payments and was not allowed to. 

I really really need assistance in correcting this issue before it prevents me from continuing in the XXXX. Any delinquencies or past dues will cause my clearance to be revoked and in my job, I have to have a valid XXXX XXXX. No clearance, no job... XXXXthis affects my livelihood. 

Your attention to my matter is greatly appreciated!!! 

Very Respectfully, XXXX XXXX
Consumer complaint received 2022-10-14
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. (TX)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have attempted more than 5 times to have XXXX and Equifax update my credit report to reflect a status of closed along with the closing date. 

Each time, XXXX and Equifax are blaming the other and my credit report is not reporting accurately which is negatively impacting my ability to secure credit and negatively impacting my family and creating hardships. 

I recently contacted XXXX in Late XX/XX/2022 and the executive office said they would check/follow up with me again in a couple weeks to ensure my credit file has updated correctly. As of XX/XX/2022, no one from XXXX executive office has called me back. I called XXXX again on XX/XX/2022 and left them a message an d I was told my account manager/representative named XXXX would call me back but she still has not called me back to resolve this issue.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to file a formal complaint regarding the immediate removal of collection accounts from my credit report. 

Despite my persistent efforts to rectify this issue with the credit reporting agencies, the collection accounts continue to negatively impact my creditworthiness and financial standing. The presence of these accounts on my credit report is unjustified and is hindering my ability to access credit and financial opportunities. 

I have provided extensive documentation to support my claims, including evidence of payments and communication with creditors. However, the credit reporting agencies have failed to take appropriate action to remove these collection accounts from my credit report in a timely manner. 

I request that you intervene in this matter to ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). This includes promptly removing any inaccurately reported collection accounts from my credit report and providing me with a corrected copy of my credit report. 

Furthermore, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
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. (WV)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act, XXXX  account number XXXX XXXX has violated my rights. 

Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy. 

Statue 15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions or consent of the consumer ( myself ). 

EXPERIAN, XXXX and XXXX has furnish inaccurate information on my personal credit file. It is clear violations being committed by these bureaus. I have attempted many time to rectify this matter by disputes. Each time it comes back updated and not deleted and removed as it should be by law. Please remove and delete this inaccurate information from my credit file immediately. 
The account is paid in full and agreed by the lender to be reported as CURRENT, ON TIME and CLOSED. Each bureau is reporting different information as you will see in the documents I proved.
Consumer complaint received 2023-10-18
Product: Credit reporting 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. (MI)

I HAVE BEEN NOTICING MULTIPLE INQUIRES FROM THE SAME COMPANIES APPEARING ON MY CREDIT REPORTS, COMPANIES THAT I ALREADY HAVE CREDIT CARDS WITH AND MOST OFFFER CREDIT CARD INCREASES WITH A SOFT PULL. I HAVE FILED AN IDENTITY THEFT REPORT BECAUSE I BELIEVE SOME ONE HAS MY INFORMATION. I HAVE REACED OUT TO ALL THREE CONSUMER AGENCIES WITH LNO LUCK ON GETTING THESE FRAUDULENT INQUIRES OFF, WAS TOLD THAT IT WAS NOTHING THEY COULD DO. THESE INQUIRES FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I ALREADY HAVE XXXX XXXX  AND XXXX XXXX  WHY WOULD I APPLY FOR THEM AGAIN I SHOULD HAVE XXXX OF EACH NOT XXXX OR XXXX, BUT THE REPRESENTATIVE SAID SHE CANT DO ANYTHING EVEN AFTER I TOLD HER THESE INQUIRES WERE FRAUDULENT AND I HAVE MAILED IN MY DOCUMENTATION. THIS WAS XX/XX/2023 AT XXXX XXXX  WHEN I CALLED ALL XXXX, MAJOR CREDIT AGENCIES. I HAVE BEEN TRYING TO FIND A APARTMENT BUT I KEEP GETTING DENIED BECAUSE OF ALL THE FRAUDULENT INQUIRES, I WILL BE HOMELESS IN 30 DAYS IF I DONT FIND A PLACE
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All three credit bureaus are reporting a bankruptcy on my report. Please have them removed I didn't authorize anyone to add this to my report I spoke with the bankruptcy court & they stated they didn't release my information so it was obtained fraudulently.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NV)

Amex, XXXX XX/XX/XXXX, my renewal fee was {$95.00}. 
In XXXX of XXXX, Amex discriminated against me by placing a preset limit of {$2000.00} on my account, which I rarely use, after my XXXX XXXX XXXX XXXX account was defrauded/depleted through XXXX, and while XXXX XXXX XXXX XXXX was defrauding me for erroneous insurance fees. 
In XX/XX/XXXX, my renewal fee was {$95.00}. 
In XX/XX/XXXX, per Amexs predatory revenue creation attempts during the XXXX pandemic, my Amex renewal fee jumped to {$150.00} on my account with a preset limit of {$2000.00}, which I rarely use. 
In XX/XX/XXXX, I reported two unapproved transactions, XXXX, and XXXX XXXX, and Amex wanted me to obligate my time to resolve the grievances, while Amex charged me late fees on the unapproved transactions, rather than Amex acknowledge the fact that Amex increased my renewal fee for Amex to direct me to resolve my own grievances as if I were an Amex employee. 
XXXX resolved the unapproved transaction, whereas I had to report the Amex-XXXX grievance to the Consumer Financial Protection Bureau ( CFPB ) ( XXXX ), and I was awarded the sum of the unapproved transaction. 
In XX/XX/XXXX, Amex sent me a paper check for the remaining sum of the credit award, at which time I expressed to the Amex chat representative to return the stolen funds to my account, or close my account, and neither happened. 
XX/XX/XXXX, months after I directed the Amex chat representative to close my account, Amex charged me a renewal fee of {$150.00}. 
Amex continues charging me an inflated renewal fee on my account that I rarely used, and which carries Amexs discriminatory preset spending limit. 
I had to report Amex to the Consumer Financial Protection Bureau ( CFPB ) over erroneous charges and interest fees. 
Amex returned the erroneous fees to my account. 
Amex removed the funds from my account to send me a paper check. 
I told Amex to return the stolen funds to the account or close the account. 
Amex failed to return the funds or close the account. 
Every time Amex creates one of these problems for me, Amex costs me more than the sum by obligating my time, as I stated to the Amex chat representative. 
Amex, close my account, because I have no need for overpriced Amex renewal fees on Amex preset spending limits. 
I will not be paying Amexs {$150.00} renewal fee or any associated late fees as my account was to have been closed in XX/XX/XXXX per my direction to the Amex chat representative. 

XXXX
Consumer complaint received 2022-11-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (NY)

XX/XX/XXXX I PURCHASED A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. WITH CREDIT ACCEPTANCE AS FINANCE COMPANY 22.98 PERCENT APR THEY ASK FOR XXXX DOLLARS DOWN, ALONG WITH MY CREDIT THAT WAS ILLEGAL! NOT TO MENTION, I WAS NEVER GIVER THREE DAY RESCIND PAPERWORK AND NOT TO MENTION THEY HAD THE CAR THE FIRST THREE WEEKS AFTER SALE, DUE TO BRAKE ISSUE! I SIGNED A ELECTRONIC PAD ( ILLEGAL ) NEVER SEEN CONTRACT UNTIL XX/XX/XXXX AND NOTICE OTHER ILLEGAL FALSE MISLEADING PRACTICES OF CREDIT ACCEPTANCE CORPXXXX FEDERAL LAWS WAS BROKEN AND VIOLATED! MY CAR WAS REPOCESSED ON XX/XX/XXXX WITHOUT A COURT ORDER DURING COVID SHUTDOWN I WAS CHARGED COUNTLESS FRAUDLENT LATE FEES! CONTRACT IS FRAUDLENT AND UNFAIR AND NEEDS TO BE INVESTIGATED!
Consumer complaint received 2023-02-22
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. (NJ)

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. 


XXXX XXXX XXXX XXXX - {$180.00} - has violated my rights. 

XXXX XXXX XXXX - {$680.00} - has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX - {$78.00} -has violated my rights. 

XXXX XXXX XXXX XXXX XXXX - {$4000.00} - has violated my rights. 

XXXX XXXX XXXX XXXX - {$420.00} -has violated my rights. 

XXXX XXXX XXXX XXXX - {$420.00} - has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights . 


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 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 2023-02-22
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. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. 
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 2023-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

Caine and weiner refused to remove this debt from my XXXX credit report and still report this negative item which is not a negative item on my credit report. They even put a cease and desist address on my credit report and XXXX will not take it out cause that is not my address nor was other addresses they had there. But back to the matter at hand. You are trying to collect a debt that is not owed to XXXX  and I never told them to add this to my insurance. In fact I got another insurance because their insurance was way too high for two cars I got XXXX XXXX insurance. And I sent a photo of the policy. This account came back verified and how. I have been trying to get you to remove it and you are persistent in this illegal matter of reporting something on my credit report that is false. You also came at me in an email to attempt to collect and that is way illegal.

15 US code 1692c ( a ) ( 1 ) ( 2 ) 15 US code 2681 ( I )
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (TX)

In Accordance with The Fair Credit Reporting Act XXXX Accounts XXXX has violated my rigths. 

1. XXXX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX  Acct # XXXX 4. XXXX XXXX XXXX XXXX Acct # XXXX 5. XXXX XXXXXXXX Acct # XXXX 6. XXXX XXXXXXXX Acct # XXXX 7. XXXX Acct # XXXX 8. XXXX XXXX Acct # XXXX 9. XXXX XXXX XXXX Acct # XXXX 10. XXXX  Acct # XXXX 11. XXXX XXXX Acct # XXXX 12. XXXX XXXX XXXX Acct # XXXX 13. XXXX XXXX XXXX Acct # XXXX 14. XXXX Acct # XXXX 15. XXXX Acct # 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.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Upgrade, Inc. (NC)

I have a XXXXXXXX XXXX XXXX with XXXX that started at {$5000.00} limit, every time I pay the card down they lower the credit limit to the balance due. This is a violation of FCRA as they are blatantly damaging my credit score. They are making it next to impossible to show crowd reporting companies that I have lowered my balances. FCRA states they can lower limit sue to negative credit report. My credit score has increased since having this card issued
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NC)

i would just like to complain about how XXXX  the credit score system is that when you finish paying off a loan even without ever missing a payment your credit score drops instead of going up i finished paying off my installment loan from XXXX XXXX and my score dropped by XXXX points an 8 month loan reported on my credit report on experian today XX/XX/2022 2022
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-04-15
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX L XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX