davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I been paying capital one payment XXXX dollars a month but when covid hit and a death in the family I could no longer keep up with the payments. I spoke to a rep and they told me that they can put me on a skip plan where I dont have to pay the minus payment but I will still incur interest. Now I just get a bill recently it is stating the payment is XXXX dollars payment. I dont have anything on the card and they still keep taken interest out the card. They keep telling me theres no help for me there using a computer to determine how I need help. The bill is going up and I have no way of stopping this interest they wont give me long term situation they keep asking me is it permanent I keep telling them it is and all they keep giving me is skip now there just going up and up for something XXXX cant afford and its not right what there doing. How can I pay anything if they keep taken money out of the credit card and theres nothing to take.
Consumer complaint received 2022-12-31
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: FactorTrust, Inc. (FL)

FactorTrust is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Consumer complaint received 2021-03-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

XXXX XX/XX/2021 I received a credit alert saying my credit score decreased 5 points for no reason. They never listed an offense or stated a valid reason. This is FRUAD. On XX/XX/2021 I had an 8 point decrease for no reason. I have a perfect payment history and nothing has happened to warrant such a substantial decrease and I am waging that this behavior from Experian is FRUAD!! Make corrections immediately.
Consumer complaint received 2020-03-18
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Services ( SPS ) - my mortgage processor will not refund the overpayment of my paid off loan. SPS collected a mortgage payment after the loan was paid off on XX/XX/XXXX and they will not refund the money. The loan was overpaid by {$3500.00} for XXXX XXXX XXXX XXXX Ca loan/account number XXXX. I have called and sent letters SPS stole this money from me and will not refund it
Consumer complaint received 2020-03-18
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)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

Convergent Physical Address are charging me a money what I dont owe from XXXX XXXX, I called XXXX XXXX to tell them what they are charging me a money what I dont owe because I return the equipment to the XXXX and XXXX Store XXXX XXXX what they connect everything in the system with XXXX  to cancel everything with them because XXXX XXXX was the company what offered me a line for XXXX  with a XXXX sold by XXXX  but I dislike the phone and I returned the XXXX to XXXX and they told me what they cancel automatically on the system the line because I never used it, look my receipts proof what show what I received my refund from XXXX and they canceled the line with XXXX  because they was the company in charge to do it, I let them know it to XXXX XXXX it and XXXX XXXX is washing them hands telling what collection company is the company in charge to delete the account. And at this moment I dont know who was the irresponsible company : XXXX XXXX XXXX? Or the collection company? The true is : I never used the line because I returned the phone and line directly to the XXXX XXXX. 
They are charging {$150.00} and it is a crazy thing because like I am saying you I never used the account the line never used everything was returned to XXXX XXXX with line and everything.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Refined our home in XXXX Our Mortgage complay ( XXXX XXXX ) incorrectly reported our last payment as late. After contacting XXXX  regarding their error, they submitted a reversal to Equifax. Equifax not only refused to assist us, they turned around and dropped our credit scores by XXXX points each. I sent all the documentation needed to support that this was an error. XXXX XXXX  also sent a letter re-tracking there inaccurate reporting and request our credit report be adjusted back to the original scores prior to the inaccurate info being submitted. This has caused a financial nightmare for both of us, ( downgrade in credit, insurance rate skyrocketed ).

The other 2 reporting agencies corrected our credit reports but equifax refuses to help us. 
My credit score prior to the error was XXXX my wifes was XXXX.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

XX/XX/2020 my XXXX  applied for a XXXX XXXX  Card issued by XXXX XXXX for me for {$1100.00}. The application was approved for {$1100.00}. I received the card which was maxed out with no available credit. XX/XX/2020, I received an alert from Experian which stated, " New Account XXXX/XXXX. '' Then on XX/XX/2020 I received another alert that said " Inquiry - XXXX. '' Another alert on XX/XX/2020 that said " XXXX Fico Score down 52 points. '' The last alert reads " Credit Rating decreased Fair. '' I have one negative item on my credit report. The 52-point decrease by Experian is excessive. It is twice the amount of XXXX  and XXXX XXXX. XXXX  decreased my score by -27 points and XXXX XXXX decreased my score by -22 points. My score was XXXX now it is XXXX. I believe Experian is participating in unethical behavior to get consumers to enroll in their Boost program in hopes of raising their Fico score. I have been inundated with ads and popups from Experian about their Boost program. I submit this complaint to have Experian investigated. How many consumers have had Experian drop their scores excessively and then enroll in the Boost program out of desperation? Why is Experian 's decrease in scoring twice the amount of the other bureaus?
Consumer complaint received 2020-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (FL)

This is a complaint against NORDSTROM. The reason for this complaint is that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Consumer complaint received 2022-12-31
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. (CT)

I demand the removal of any and all " late payment '' entries or XXXX delinquencies on my XXXX XXXX account from my consumer report. 

Per " 15 U.S. Code 1666b - Timing of payments '' : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I direct the removal of this late payment, as I am the one extending credit. Additionally, the required information was NOT received to the consumer " not later than 21 days before the payment due date. '' I demand its removal immediately.
Consumer complaint received 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

On XX/XX/XXXX, the company issued an escrow surplus, but seems to have doubled the escrow surplus in their database, showing one refund in the amount of {$2000.00} and one in the amount of {$2000.00}. I only received one check in the amount of {$2000.00}. This resulted in an escrow shortage of XXXX. {$2000.00} is missing from my escrow account, which should be in the account to pay for taxes and insurance. I immediately put {$1500.00} back into the account so there is something to pay escrow, but that {$2000.00} is missing. 

The company also then immediately issued a new monthly payment amount to pay for the " shortage '', which increased my monthly payment from {$1000.00} to {$1100.00}. I attempted to contact the loan servicer via their " chat '' function on XX/XX/XXXX, which was unhelpful ( " maybe there's a problem with XXXX '' ), and I contacted them on their email portal on XX/XX/XXXX, and received their standard " we will get back to you '' response. 

My loan was transferred to this servicer in XXXX of XXXX, and this is the third serious problem that I have encountered with this servicer, and I have never received a response through their email / complaint portal. The first time, they did not pay the homeowner 's insurance, and I paid it directly when I received a notice that the insurance would be discontinued. The second time, the taxes were paid late ( the servicer did pay them eventually ). For this issue, I can not directly take care of this problem myself, as they have lost money that should be in the account. This servicer seems to have serious problems with the work of servicing mortgages.
Consumer complaint received 2023-01-06
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. (NC)

I filed for Chapter XXXX XXXX in XXXX, XXXX. I had a credit card account with XXXX at the time and the card was included in the bankruptcy. My plan of reorganization was approved in XXXX, XXXX and payments began in XXXX, XXXX. I made all required payments to XXXX per the plan. Once payments stopped, in XXXX of XXXX, XXXX began reporting missed payments and changed the status of the card to delinquent and in collections with the major credit bureaus. They now report that I have missed payments since XXXX, XXXX. They have also used a collection agency, XXXX XXXX, to attempt to collect this debt that was satisfied per the plan of reorganization. I have disputed this inaccurate information with XXXX XXXX, XXXX, Transunion, and XXXX providing bankruptcy documentation as evidence. XXXX also received all of the relevant bankruptcy documents while the case was open since they were a named creditor. Because of this, my credit score continues to suffer and I am unable to repair my credit as afforded by my XXXX petition that was filed almost 6 years ago. I was also denied an application for a XXXX loan and a rental lease for an apartment with this account being specifically listed as the reason. I also have spent more than {$1500.00} on legal counsel to resolve this already.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX , XXXX Last reported XX/XX/2020 {$8900.00}
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of Americas website, mobile app and customer support are all down when attempting to activate my XXXX card. They are telling me it's the wrong information but the information is correct and I'm unable to activate my card because of it. They are telling customers via XXXX their website isnt down but its actually not true and they're misleading their customers in this way. When you call into customer service, they transfer you to card activation which responds with " this person has a voice mailbox that has not been setup yet, good bye. '' They are XXXX peoples livelihoods and could care less.