davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I have made all of my mortgage payments and have the bank statements to prove it. However, XXXX XXXX XXXX XXXX ( Shellpointe Mortgage Servicing ) went forward w/foreclosure proceedings. I have supplied them ( in excess of at least 6 times ) with every piece of documentation to prove this. 
This began in XXXX, XXXX when they failed to notify me they were my new loan servicer. Subsequently, the payment went the previous servicer. They refused to contact the previous company to request the check ; thus I sent Shellpoint Mortgage Servicing ( XXXX XXXX. XXXX ) another mortgage payment to satisfy the monthly payment. I paid twice XX/XX/XXXX but they failed to properly credit me for the replacement payment stating it was simply an additional payment on the loan. I have been in litigation with them since XXXX when they went forward with foreclosure proceedings. Despite the legal battles I have continued to pay them monthly at least {$150.00} extra/month. They have continued to compile fraudulent fees taking my loan from {$230.00}, XXXX to {$370000.00}. XXXX. Ins. has participated in innumerable predatory lending practices violating at least 28 consumer/homeowner protection laws. 
I have kept meticulous records of payments, their misappropriation of funds, phone conversations/emails indicating their misrepresentation, false credit reporting, etc. My attorney says I have a very strong case, but the courts favor mortgage companies. I have spent thousands to fight this false and unfounded accusation and save my home. They are a large financial institution. They know if they continue to drag this out, I will not be able to financially support this fight. Thank you for your review of my situation.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

on XX/XX/2020 I went to try to purchase a house with XXXX XXXX and was denied for having 10 negative accounts on my credit report. I have never authorized any of these accounts from being open or have ever authorized anyone else to open them in my name. I have never benefitted from any of these accounts being opened or have received any money or goods in good faith from the accounts. Please remove them from my credit report. I have a filed a police report regarding these accounts being opened as a result of identity theft.
Consumer complaint received 2020-03-12
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. (NJ)

On XX/XX/XXXX, I received a e-mail, stating that the loan I applied for ( on line ) on XX/XX/XXXX, was denied. There was no name or amount given. They indicated that they accessed my credit report. I Did Not Apply for a loan from this Organization. My Social Security Number and Identity were Stolen around XXXX. I Suspect, this attempt to obtain a loan, is from one of the Thieves, that stole my Social Security Number. I want this Organization to know that they Fraudulent obtained my Credit Report. This better not impact my Credit Report, or I will Sue them for Identity Theft. I did ask them to send me a copy of my application, they refused. Please address this matter, as soon as possible. I'm not sure if this Organization are the Scammers, Themselves.
Consumer complaint received 2023-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I took out a loan with Tripointe Connect, a Loan Depot company. Due to an issue with my insurance agent, I had to use their affiliated loan company to close the mortgage on time. I was assured it wouldnt be an issue to switch insurance companies after the closing. Our mortgage closed on XX/XX/22, and we used the affiliated insurance company ( Tripointe Advantage ). I transferred to a new XXXX XXXX agent, and provided proof of a new homeowners policy on XX/XX/22. I have copies of the emails to our mortgage provider showing receipt and acknowledgment of the request of remove the monthly impound and that we canceled/changed our insurance carrier. I also spoke to a different Loan Depot employee on XX/XX/22 to confirm the removal of the insurance impound and to update my insurance policy information. Loan Depot refuses to remove the monthly insurance impound from my mortgage loan even though they acknowledged that the policy is no longer valid and they were informed it needed to be removed on XX/XX/22.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XX/XX/2020 I went to try to purchase a house with XXXX XXXX  and was denied for having 10 negative accounts on my credit report. I have never authorized any of these accounts from being open or have ever authorized anyone else to open them in my name. I have never benefitted from any of these accounts being opened or have received any money or goods in good faith from the accounts. Please remove them from my credit report. I have a filed a police report regarding these accounts being opened as a result of identity theft.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (FL)

This card ( image attached ) has {$500.00} deposited, but Netspend puts all possible obstacles so that it can not be activated ; that's their business model. We just want to activate the card and use it. 

My nephew called to activate the card and was asked for a social security number ; since he is not a citizen, he asked me to activate it for him, but Netspend told me that I could not do it because they already had my nephew 's name. 

There is no way to activate the card online, because it's locked, so they ask you to call and when you do you get all kinds of excuses not to activate the card, like the USA PATRIOT Act, etc. 
The question is : what information does Netspend need - mine or my nephew 's - to activate the card and where can that information be sent? We DO NOT need more phone calls... we have called multiple times, but agents give us the runaround so that we can not activate the card and allow Netspend to keep the money. 

I hope you can help us activate the card.
Consumer complaint received 2024-03-20
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. (OK)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

Medical debt under XXXX is reported on my credit report. I have disputed the collection accounts that are open with XXXX systems, and one with XXXX XXXX XXXX that is XXXX. Equifax makes you choose from a drop down box the issue with the collection. The choices do not include medical debt under XXXX. So I chose about was wrong. You can not complete the dispute process without choosing from this box. All of the collections remain as correctly being reported although the written description stated they were medical bills under XXXX and should be removed.. the last dispute was completed this month without being resolved and removed. I called and spoke to an associate on XX/XX/2023 who insisted they would not be removed because they were over a year old. I asked for a supervisor and was on hold never getting to speak to a supervisor. The associate came back on stating the supervisor was busy. My complaint is there is no way to dispute these with Equifax and calling and directly speaking with someone does not resolve the issue. How are you to get medical debt removed that falls under the criteria of under XXXX if you can not get the agency to comply with this mandate.
Consumer complaint received 2020-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My credit reports shows I owe a debt of {$2000.00} XXXX Account Number # XXXX ) I repeatedly disputed this claim with CAPITAL ONE BANK several times via mail over the past 7 years, this is not my debt and someone opened a fraud account in my name. I have never signed a contract. Never received any paperwork from CAPITAL ONE BANK debt is belong to me.
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (IL)

I paid off a expiring promotional balance transfer on a Citi Simplicity Card and took out another promtional balance transfer. Citi Bank charged me {$120.00} fee for doing so, however, Citi Bank took my payment that was to payoff the expiring balance transfer and paid off the new balance transfer. Then they moved my expiring balance transfer to the standard purchase rate. This practice is unfair and deceptive!
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Late payments are being reported on my consumer reports, although I was never late. According to the XXXX XXXX effective XXXX preventative measures were supposed to be taken to keep my credit scores from being ruined by preventing adverse information from being added to my consumer reports, and preventing credit score furnishers from creating and/or implementing new credit scoring models that would lower my existing consumer credit scores during the XXXX pandemic. This information has defamed my character, because it is derogatory and causing me mental anguish, sleepless nights, and preventing me from obtaining credit. please see attachments
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian, XXXX, and XXXX are incorrectly reporting payment history for my mortgage with XXXX XXXX. The mortgage was paid in full. I have never been late with payments. I want this corrected because they have negatively impacted my credit. They reported late payments and dropped my score nearly XXXX points. Once the load was paid in full my score went up only XXXX points. The credit bureaus are purposely keeping scores low in order to help companies charge higher interest rates to consumers especially XXXX XXXX XXXX. The game is rigged. Its sickening and I plan to sue them.
Consumer complaint received 2020-02-07
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied XXXX to check the reason I was denied ad I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX  XXXX {$970.00} XXXX  XXXX {$12000.00}
Consumer complaint received 2023-01-16
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: AmerAssist A/R Solutions, Inc. (NC)

I have filed multiple disputes over the last 2 years with XXXX, XXXX and XXXX requesting verification and the removal of the AMERASSIST AR SOLUTION, XXXX XXXX, XXXX XXXX and XXXX XXXX accounts. I have asked for the proof and method of verification from each credit bureau and they have not provided anything. On XX/XX/2022 I sent a debt validation letter directly to AMERASSIST AR SOLUTION and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to XXXX XXXX and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to XXXX Now and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to XXXX XXXX and they did not respond. 
In XXXX with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. These accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-03-11
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: BARCLAYS BANK DELAWARE (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : BRCLYSBANKDE XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-07
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. (AR)

My identity has been stolen. While I was trying to purchase my first home through a first time home owners program I was told when they pulled my credit that there was no way I could become a home owner with all the derogatory items on my account. The accounts showing on my report do not belong to me. They are fraudulent accounts please remove them from my report. 

XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$970.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX {$970.00} XXXX XXXX {$790.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$120.00} XXXX/XXXX  XXXX {$790.00} XXXX XXXX   XXXX {$5900.00} XXXX  XXXX {$14000.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX  XXXX {$4000.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$2600.00}
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (TX)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-03-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Citibank made a transfer from my old bank account to my new account at Citibank for {$50000.00} on XX/XX/XXXX. This transaction was not authorized by me. My old bank account did not have {$50000.00} in it causing a {$35.00} overdraft fee. Citibank refuses to pay for the overdraft fee!
Consumer complaint received 2020-03-11
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. (NJ)

XXXX XXXX  appear on my Transunion credit report as hard inquiries, I have disputed many times this hard inquiry via Transunion and also directly by calling this company but every time Transunion and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS HARD INQUIRY TO BE SEND TO MY MAILING ADRESS O OTHER WISE THEY NEED TO DELETE THIS HARD INQUIRY.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-01-16
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. (AZ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights. Please delete this account from my Experian credit report. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2020-03-11
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)

XXXX  has been really bad about getting my disputes in CFPB XXXX XXXX XXXX  XXXX  XXXX XXXX violations : XXXX filed number for ftc The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved  on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of  that Act REMAINING COMPLIANT UNDER NEW LEADERSHIP Published XX/XX/XXXX Welcome to XXXX! 

XXXX XXXX With the turn of the calendar, the U.S. now has a new Congress and, as of XX/XX/XXXX, a new President. Many are speculating what these developments mean for the automobile finance industry. More specifically : What changes will be made to the leadership, structure or focus of the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC )? 
How will state and local regulators respond to what happens in Washington D.C.? 
What does this mean for dealers and XXXX XXXX? all know company violated the ftc laws
Consumer complaint received 2024-03-20
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. (SD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (VA)

On XXXX XX/XX/2023 I used a balance transfer offer from my bank, XXXX, to initiate XXXX balance transfers ( for {$5000.00} and {$8500.00} ) to a pair of Barclays XXXX cards I use. I sought to have the transfer completed before the Barclays statement period ended on XXXX XXXX -- this would have XXXX  out both Barclays cards ' balances while avoiding additional finance charges on those cards. The transfer immediately posted to my XXXX account, and I continued checking my Barclays accounts to see when the transfer would post. 

On XXXX XX/XX/2023, I saw the transfer had not posted to Barclays, so I called XXXX to inquire about the status of the transfer. After speaking with a customer service representative, I spoke with a supervisor who informed me that XXXX sent the payments out by paper check on XXXX XX/XX/2023 from Maryland to the Barclays payment address, which is a post office box in XXXX, Pa. They also told me the transfer would likely take XXXX business days. ( In comparison, I made another balance transfer that day for {$9900.00} from my XXXX XXXX XXXX XXXX account to a different XXXX card ; it was handled electronically and the balances for each card adjusted accordingly overnight. ) On XXXX XX/XX/2023, I again noticed no balance transfer had posted on my Barclays account, so I called Barclays to inquire about the whereabouts of the balance transfer. They said they would start an investigation but they terminated the call before I could get all the information to them. 

I am filing this complaint because : XXXX ) I initiated these XXXX transfers XXXX the XXXX  purpose of minimizing finance charges, but the delay in Barclays ' XXXX these transfers means I will incur additional finance charges. 
XXXX ) I want banks to make these transfers electronic, instead of issuing paper checks through the mail. As noted above, I initiated a separate XXXX XXXX XXXXXXXX that completed electronically without delay. Banks need to use routing numbers to make these transfers electronically and get out of the business of issuing paper checks. 
XXXX ) I am extremely unhappy that this transfer has not been completed, XXXX calendar days after it was initiated. As recounted in my conversation with XXXX, the checks were mailed from Maryland to XXXX, and I verified the Barclays addresses and account numbers with XXXX twice. It does not take this long for a letter to go from Maryland to XXXX, and Barclays should not have this long to post a transfer initiated nearly XXXX weeks ago.