davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

I was going over my credit report I noticed an from Debt Recovery Solution {$1500.00}. 
I have never had an account or contract for service with You must provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for Debt Recovery Solution LLC diligent examination of this matter.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (CA)

I initiated a freeze on all three credit bureaus on XX/XX/XXXX. However, XXXX has not complied with my request to block these hard inquiries. I've contacted the companies that tried to access my credit report, but they have rejected my requests. Moreover, I've been receiving mail from these companies regarding pre-approved credit cards. I've called the companies to ascertain why someone is attempting to access my account and asked them to notify the credit bureaus that I did not apply for any credit cards. 

The companies listed below are associated with hard inquiries that need to be removed from my XXXX Credit Report : Comenity Bank/VSMC - XX/XX/XXXX. 

I have never opened an account with Comenity Bank Victoria 's Secret. I have attempted to contact Comenity Bank Victoria 's Secret, but the staff repeatedly disconnects the call, making it difficult to communicate with them.
Consumer complaint received 2023-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

XXXX XXXX XXXX has left an unapplied balance totaling {$13000.00} on my account and never applied the payments appropriately. They approved a modification with an incorrect interest rate and upon trying to correct it never executed it, then they erroneously denied the loan modification which they did not sign. The loan was transferred to Shellpoint who assumed the loan in XX/XX/XXXX. I was not able to log into XXXX to access any of my account information. Shellpoint did not set up my online account until XXXX, also leaving me with no account or statement/history access. Shellpoint has recapped all of this in a letter dated XXXX. Due to their errors and not responding in a timely manner, they wrongfully put the house in foreclosure and a sale is scheduled for XX/XX/XXXX. Today XXXX we were also informed that XXXX did not make a payment of {$440.00} dollars to XXXX, who filed a derogatory mark on my credit. We also had issues with XXXX not paying the house insurance and leaving the house exposed to liabilities which was a hassle to rectify, but Shellpoint finally cleared that part up, but apparently left the {$440.00} issue unresolved. This has hurt my credit and I am about to suffer a foreclosure. I can not buy a new car and I desperately need to get this cleared up because they have affected my purchasing power, my credit and my health. I am including what I have, but if you need anything else, I am willing to provide it with the exception of any monthly statements because Shellpoint said it is too cumbersome for the to provide them ( unfortunately ).
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (DE)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 2023-12-28
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 

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 2023-12-28
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. (FL)

The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

This collection agency has taken funds which are EXEMPT I also do not agree with this amount or account and have put in a dispute I do not have record of this account Again the f7bds they have taken are EXEMPT SSI AND STATE FEDERAL FUNDING
Consumer complaint received 2020-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MO)

loan # XXXX Serviced by XXXX XXXX. 
I purchased a house on XX/XX/XXXX, closed with XXXX XXXX and mortgage was obtained via broker XXXX XXXX XXXX  company. Lender- United Wholesale Mortgage. Prop taxes due XX/XX/XXXX supposed to be paid with funds a seller provided at closing. Title company held funds because the tax bill was still on old owner name, by the time the tax bill was switched on my name, the funds were lost somewhere between the XXXX XXXX, XXXX XXXX XXXX  and UWM. My mortgage is escrowed, so all transactions supposed to be handled by lender/servicer. The servicer for my mortgage is XXXX XXXX. When I received my tax bill with interest and penalties ( iao XXXX ) in  XXXX, because it was never paid by lender/servicer/title company, I reached out to XXXX advising them on this issue. I was told to send them tax bill for processing. They paid the tax bill along with interest and penalties iao XXXX from my escrow on XX/XX/XXXX. However, this is invalid transaction because I should not be responsible for taxes because old home owner provided funds at closing to pay those taxes and someone has those money. When I called to UWM I was told that I should not be responsible for that tax bill or interest and penalties- it will be paid by lender. My escrow has negative balance because XXXX took money out of it to pay the bill+ interest and penalties while lender- UWM advised them to pay out of their account. I was told by UWM that broker XXXX XXXX XXXX  company sent them a check to cover taxes and they will be responsible for paying penalties and interest. Since XX/XX/XXXX funds have never been deposited back to my account. Again, those funds were provided by seller and I should not be charged for that bill. XXXX XXXX/XXXX XXXX XXXX/United Wholesale Mortgage/XXXX  should absorb XXXX because it was their fault they lost the seller 's funds for taxes. I have tried to resolve this issue for over 2 months by now and none of those companies are cooperating. I am being told the same information " funds will be posted back to your account '' but nothing is being resolved.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

My complaint is about Target US Store Credit Card, They have not updated or reported my payments to the 3 credit Bureau since XX/XX/XXXX. This is showing as a high balance for the last 4 months. This is affecting my credit report. Below is the state of my credit file as XX/XX/XXXX. 

Account Info Hover over labels for more details Account number XXXX Account status A brief message describing the status of the account. Accounts may be open, closed, unclassified, or unknown. 
Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$300.00} {$300.00} Payment Info Status Current Updated on XX/XX/XXXX Past due amount - Highest balance $ 324 Monthly payment {$28.00} Late payments -
Consumer complaint received 2020-03-09
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: AMERICAN EXPRESS COMPANY (NY)

Hello, I received a personalized offer for XXXX Marriott Bonvoy points and a {$100.00} statement credit from American Express for signing up for a Marriott Bonvoy Business credit card. I signed up for the card and met the spending requirements, but then American Express only deposited XXXX Bonvoy points into my account, did not offer the {$100.00} credit, and insisted I was only eligible for XXXX Bonvoy points instead of the XXXX pursuant to the personal offer. 

I first raised this issue with American Express several months ago ( XX/XX/2019 ), and was told I would hear back within 6-8 weeks. Apart from an initial intake email, American Express never responded with a resolution to my complaint, despite several attempts on my part to have it resolved. When I raised the issue with their customer service team today, I was informed that there was no option to deposit the missing XXXX Bonvoy points or {$100.00} credit and that the case complaint was closed.
Consumer complaint received 2020-03-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (TN)

I was sent a letter by Linebarger Goggan Blair & Sampson, LLP from XXXX XXXX XXXX XXXX XXXX, TX ( I live in XXXX, TN ) for a parking violation on a street I have never been on. They have all my information including my license plate number on this letter. I never received a parking violation notice from the state/city, nor am aware of ever being on the street names so I suspect this is a scam.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I reported a dispute to XXXX  regarding Credit Acceptance. I  called Credit Acceptance first to work out reporting. They state my account has been closed since XX/XX/XXXX. ( verified verbally as well as the XXXX  tracking on the check sent to them ) Yet, they reported to all bureaus that it was open. They received a check for {$22000.00} which is in excess of the XXXX payoff amount due. Proof attached, verbally stated it is good through XX/XX/XXXX the date the check was received.Then they stated to all bureaus that my debt amount owed to them was XXXX ( the amount of the check ) which caused a 34 pt.  decrease in my credit score. Proof attached. 

This is troublesome for several reasons - unfair, incorrect reporting. Credit damage. Reporting an account as NOT closed yet agreeing over the phone it is. Appearing to intend to keep the refund owed due to cancellation of the warranty. Contract states it is owed to me ( Illinois provision ).
Consumer complaint received 2020-03-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

We took out a loan with XXXX XXXX for home improvements on a property my Dad left me when he died in late XX/XX/XXXX. The loan was subsequently sold off to NewRez. 

Starting in XX/XX/XXXX, NewRez started threatening to purchase home insurance on the property if we did not furnish proof of insurance. I immediately provided our current proof of insurance. Their next letter was that they required proof of insurance going back to XX/XX/XXXX thru XX/XX/XXXX. We had changed insurance companies since that time and I had pitched those past records so I requested a Letter of Experience from our old insurance company which I then provided to them ( showed we were covered from XX/XX/XXXX thru XX/XX/XXXX ). 

I called and they said that was not enough proof. I was able to get my hands on my original insurance certificates from my lender and uploaded them as well as all other insurance docs showing proof of insurance from the day one of ownership in XX/XX/XXXX. Received a form this weekend ( XX/XX/XXXX ) stating they purchased {$980.00} insurance for us and set up an escrow account which has a balance of - {$980.00} and stating that our payment will go up almost XXXX XXXX/month because of it.
Consumer complaint received 2020-03-09
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. (TX)

XXXX  and Transunion are reporting incorrectly ( 2 ) accounts where I am shown as an Authorized User on XXXX  - partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these accounts. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2020-03-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/XXXX, our loan was transfer from XXXX XXXX  to SPS for servicing. Due to my bankruptcy, there was an issue with my statements as the address on file was my attorneys address, once we rectified this, I got my first statement and I noticed an entry for Deferred Principal in the amount of {$7800.00}. On XX/XX/XXXX I called SPS and talked to XXXX asking for an explanation on the {$7800.00} deferred principal that was showing on my statement. She was unable to locate the reason for the extra principal but explained that this was something that was received from the prior servicer. She said she was sending a request to research and that I should receive something in the mail. 
I received the documents showing an adjustment for the same amount on XX/XX/XXXX but no other explanation. 
On XX/XX/XXXX I sent a letter with all the documents below asking SPS to for an audit on my Mortgage Loan and for a clear explanation with supporting documentation proving the reason of the addition. 
Attached the following documents : XXXX Form 1098 showing and outstanding mortgage principal as of XX/XX/XXXX of {$210000.00} XXXX XXXX # XXXX Statement dated XX/XX/XXXX with an outstanding balance of {$200000.00}. 
SPS Loan # XXXX Statement dated XX/XX/XXXX with an the following amounts : o Interest Bearing Principal of {$190000.00} o Deferred Principal of {$7800.00} o Outstanding Principal of {$200000.00} I did receive a letter stating they received my letter and documents but I have not received any information from them. Once again, My latest statement is till showing a Deferred Principal in the amount of {$7800.00}.
Consumer complaint received 2023-02-13
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. (FL)

Equifax has constantly over the years continued to post on my report, after I told them not to, and also informed them that they did not have a written signature. They constantly refused to take anything down and even chose to do the E-Oscar method of verification after I told them I don't consent I have constantly gotten attitude and disrespect and I always let the know they are in violation of my rights as a Consumer per 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation.

Infringed upon my right of privacy. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without a permissible purpose. The matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).
Consumer complaint received 2020-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My account had fraud done on it and I submitted all the paperwork back to Bank of America, but they never resolved my issue. I had lost my card and pin number and someone had deposited checks from my account. I have never had checks while having this account. They said the checks totaled to about {$10000.00}, but I don't know how they would let someone get that much money out of an account that has never had more than {$300.00} in it at a time. This is hindering me opening an account with any other bank.
Consumer complaint received 2023-02-13
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. (PA)

XXXX ACCT # XXXX Date Opened : XXXX XXXX, 2014 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX XXXX # 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 an 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 and consumer credit plan as late for any reason.
Consumer complaint received 2020-03-09
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. (VA)

My XXXX  credit report shows a status of, " Discharged through Bankruptcy Chapter XXXX / Never late '' as of XX/XX/2020 against my mortgage. 

The problem is that my mortgage was NEVER discharged through bankruptcy which they should know because my mortgage is through them. 

I would really like to get a mortgage with a lower interest rate and this is preventing that from happening.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Goodwill Adjustment for missed payments To whom it may concern I have been a XXXX XXXXXXXX Auto Finance customer since XX/XX/2023 and during that time, I have enjoyed my experience greatly. I am writing to request you be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on an XXXX XXXX ( account # XXXX, 30 day past due payment in XXXX. I have had an exceptional payment history and have not had a single missed payment on my XXXX XXXX account since this time.Because of my otherwise exceptional payment history over the last year, I would like you to please consider removing the negative payments from my credit report. I recently experienced a temporary setback that resulted in a late payment on my auto loan account. I understand the importance of maintaining a positive payment history and regret any inconvenience or concern this may have caused.I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical credit worthiness. I assure you that this late payment was an isolated incident and not reflective of my typical financial behavior. Prior to this occurrence, I have consistently made on-time payments on my account. I am committed to maintaining a positive credit profile and take pride in managing my finances responsibly. I hope that XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

My wife and I are currently in the process of buying our first home, and these late payments are the only detrimental items currently reflected on my credit report. I kindly request that you consider removing the late payment from my credit report as a gesture of goodwill. Doing so would greatly benefit my creditworthiness and allow me to continue building a solid financial foundation. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply. 

I kindly request that you consider removing the late payment from my credit report as a gesture of goodwill. Doing so would greatly benefit my creditworthiness and allow me to continue building a solid financial foundation. 

Sincerely, XXXX XXXX