davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

My mortgage was transferred from XXXX to Shellpoint in XX/XX/XXXX and they said that my insurance had been cancelled which was not true. I sent them proof on insurance from XX/XX/XXXX forward which showed insurance was never cancelled. Then they sent me second letter dated XX/XX/XXXX which I received XX/XX/XXXX that said I did not show coverage for the month of XX/XX/XXXX ( letter attached ) so they would place insurance for that 1 month and charge me {$77.00} I immediately emailed them proof of insurance for the month of XX/XX/XXXX. ( see attached email and proof of insurance for the month of XXXX XXXX ). But as you can see from the last letter they are charging me the insurance premium of {$77.00} for the month of XX/XX/XXXX anyway. I have made a number of calls to them and this has not been resolved. 
Thank you, XXXX XXXX
Consumer complaint received 2022-12-25
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: EQUIFAX, INC. (FL)

The following inquiries below are due to identity theft. I've contacted Equifax for the last seven months, as well as sent in the FTC report several times, and the inquiries remain on my credit report. 

XXXX XXXX, XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2020-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

I received the information from a USAA banking customer service representative that my online access had been suspended and that my 3 personal accounts and 3 joint  accounts with my husband were being closed as on XX/XX/2020. There was no explanation as to why this was happening only that the " powers at be '' made the decision and there was nothing that could be done. I asked to speak with a supervisor and received a call back 3-4 days later. I was told the exact same thing and given an address that I could send a Dispute letter to. I asked to speak with his supervisor or someone that could give me some answers as to why and how this decision was made. He said he would leave a message. I mailed the dispute letter off and my husband posted a complaint on social media how I and my family were being treated with he being a USAA member for 24 years and I having been a member for 7 years. This decision does not only affect my accounts but it also affects my husbands business with USAA as well. We were model, loyal customers that pay tens of thousands of dollars/year in insurance premiums for personal and business, we have loans and multiple accounts, including our children 's accounts. We have never been late on any payment, have never overdrawn our accounts and have always been in good standing with USAA. I received a call on XX/XX/XXXX from an executive dept representative confirming that they had received my letter and my husbands complaint and that they were standing by their decision to close my/our accounts and still would give me no reason and stated that they did not have to. I was never asked one question about anything and I have been  told that banks usually only take an extreme measure such as this when major fraud or breaking the law has occurred. I assured them that I have never committed any such act and felt that this " investigation '' was a farce and I am the victim in all of this and would like someone to stand up for me and help resolve this issue. I have done nothing to warrant a decision such as this and it has completely disrupted my family and our belief in a company that claims to be available, accessible and supportive to their military members.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/22 and XX/XX/22 credit cards were applied for using my business information with XXXX XXXX Bank XXXX They denied the applications. The reference numbers for the denied applications with Chase Card Services are XXXX and XXXX. They sent me letters acknowledging they were denied due to what appeared to be fraudulent activity. I contacted XXXX and disputed these two inquiries which appear on my credit report and they recommended that I file a complaint with you to have it on record and perhaps this can help you catch these perpetrators.

To be clear I am not disputing anything with Chase Card Services, they have done everything they are supposed to. I am hopeful in contacting them you may be able to collect information such as the fraudulent application and find the people who tried to do this.
Consumer complaint received 2023-01-05
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Collection Management Holdings, LLC (AZ)

This company called credit management companies call before XXXX. Its XXXX here in AZ and received a phone call from them. I know this is a violation under the fair credit. The phone number that called is XXXX Who the XXXX calls at XXXX XXXX  I dont know who they are.
Consumer complaint received 2023-01-05
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. (FL)

I have been disputing the account XXXX XXXX XXXX, Account Number XXXX for almost a year. This account is a blatant violation of my rights of my consumer according to consumer law a account has to 100 % accurate to be reported on to my credit profile. 
On Experian the Date Last Active is XX/XX/2022 and on XXXX the Date Last Active is XX/XX/2022. I want this item removed from my credit report. I already filed a complaint with the FTC
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (MI)

Made a purchase through the company Monterey Financial Services for the estimated amount of {$1900.00}. 
Was given 30 days to pay the balance in full. However on the XXXX day, when I tried to pay the debt in full I was told I was not eligible for repayment and owed more than 50 % of my original balance ( more than {$4000.00} ). I was told that in order to be eligible for repayment in full I had to call 5 days before the XXXX day and inform Monterey Financial Services of my decision to pay the balance in full. The company then placed this balance on my credit report in collections. I disputed the claim and had it successfully removed, only to find a month later that the debt returned and I was charged an additional {$1000.00} in interest taking my balance over {$5000.00}.
Consumer complaint received 2023-01-05
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. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-01-05
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. (CT)

I do not have an account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I have never received any bill nor notices from XXXX XXXX I viewed by credit report, and I saw this error. I was never informed of such issue. This issue looks to be very small and to put it in my credit report without verify with me that this issue an account I know of every very strange. This company says I owe then {$140.00}. I do not owe them any funds. Please remove this from my credit reports. 

People please be aware of this type of company I do not believe it is legit what kind of people just puts something in your credit report without even calling your or sending a letter to you there are rules for this kind of thing.
Consumer complaint received 2023-01-05
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. (NY)

I have tried to get my information corrected on my report My Namw is XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX My employer is XXXX XXXX XXXX All of the rest need to be removed because of fraudulent activities.
Consumer complaint received 2020-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

on XX/XX/2020, U.S. BANK Located on XXXX XXXX XXXX , XXXX, IL XXXX, Shut down my account and held over {$4000.00} in the account for absolutely no reason, they gave me a numbber, her name is XXXX, i don't know what she does but all i was given is a phone number : XXXX, when i called her, she said, OH you sent money thru the account and received money, sorry but we're shutting down your account, that was ALL, no reason at all, they have caused me financial damages right now unable to pay bills on time and many other problems, and they're refusing to hand me my money, they said it will probably take months for you to be able to get them, please i need help
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: International Computer Systems, Inc. (MO)

Good morning, I called First Collection Services about paying off a debt. I had a very limited amount of money, so I was trying to see if there was a way to have my debt with this collector reduced, or removed from my credit report. I was advised that I could not get what I was requesting. I was offered to speak with a supervisor if I needed more clarification and to have my questions answered and explained. 

I was transferred to a Ms. XXXX. I was trying to gather a few questions. The first being her name. She told me Ms. XXXX again. I asked for clarification on if Ms was her actual name, or her title. She then started to get hateful with me and ask me what I needed. I continued to tell her that I need her to verify her name for me. The then said something along the lines of " Since this call is going no where I'm going to disconnect the line '' She did not give me her contact information, her name, or ANY information that could help me pay my debt. The only information I got from her was her name was " Miss XXXX '' I called back and asked to speak with a " Ms. XXXX '' and was transferred directly to her voicemail that gave me her full name XXXX XXXX XXXX. She was verbally abusive, inappropriate, and offered no assistance with paying off my collection. 

I later called back and Spoke with a XXXX that was able to provide ALL the answers to the questions I asked including her Name. She was wonderful, and I paid my full amount with her help. 

Date : XX/XX/2020 Amount : {$190.00} Action Taken by XXXX XXXX : Nothing Action Taken by me : I called and spoke with a woman that deserves a raise ( XXXX XXXX and paid off my debt and a reference number
Consumer complaint received 2023-01-05
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. (TX)

I recently contacted XXXX and transunion & alerted them that I had been a victim of identity theft. The rep stated that he could see the alert had been placed on my profile. I advised him that I would like my info updated as well as to dispute several items that I had no knowledge of!! I just received the results of the dispute and nothing was deleted, just updated EVEN THOUGH IT ISNT MINE!!!!!!!!
Consumer complaint received 2023-01-05
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: CITIZENS FINANCIAL GROUP, INC. (MD)

The following are unrecognized credit inquires which need to be removed immediately. I suspect these inquiries may be fraudulent. 
: XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 CITIZENS BANK XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2020 I paid my account balance in full. Now I have been invoiced {$15.00} stating that is interest due from XXXX through XXXX. I am paying the {$15.00} but think it is unfair and unexplainable. Capital One ( Venture card )  account # XXXX was paid the full account balance of {$910.00} on XX/XX/2020. How is it that a month later they find another {$15.00} due. I attempted to resolve but the attitude was uncaring. It isn't the amount, obviously, it is the principal. I have ALWAYS paid on time and more than my payment amount due.
Consumer complaint received 2023-01-05
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)

Upon my request for verification and getting this false latepayment account updated, and in accordance with its standard procedures, Equifax did not evaluate or consider any of my information, claims or evidence and did not make any attempt to substantially or reasonably verify the XXXX  XXXX  billing error on my credit report. it is alleged that Equifax might have forward some notice of the dispute to XXXX  and XXXX  failed to conduct a lawful investigation. I have my evidence so i demand this situation be handled. XXXX have thousands of negative reviews on XXXX, the XXXX, and the CFPB website for problems with their credit reporting of false latepayments. I asked that equifax conduct a complete and thourough investigation into this matter. As i know Equifax disburses consumer reports to third parties under contract for monetary compensation which is one reason they are not conducting a complete investigation.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Hello, I am writing to complain about incorrect credit information which is appearing on my experian credit report for a XXXX XXXX XXXX credit account. 

XXXX XXXX XXXX on XX/XX/2020 reported my account as 30 days late to experian. This update flagged my account negatively and brought my score down by 45 points. 
I worked with XXXX XXXX XXXX to resolve the issue and have then correct it at their end ( I have a letter from XXXX XXXX XXXX which confirms the correction ) .However the department within XXXX   XXXX XXXX which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to experian. 

I also worked with experian to rectify this error by providing them supporting documentation from the bank but experian needed additional confirmation from XXXX XXXX XXXX to remove deliquency and XXXX  XXXX XXXX 's internal systems have not been appropiately synched and updated all the way through to reflect this error. 

I have been thrown in circles by both of these companies- experian and XXXX XXXXXXXX XXXX credit reporting department . XXXX  XXXX XXXX, on each call confirms that from their end the account is current and has never been late however XXXX  XXXX XXXX XXXX credit reporting department which interacts drectly with the credit bureaus has been providing experian information that account was 30 days past due in XX/XX/2020. 
This is a pure example of missing links in the process which XXXX  XXXX XXXX uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify information with banks. 

I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me to move forward in my home buying process. 

I would like to request experian to remove 30 day deliquency attached to my XXXX  XXXX XXXX credit account and also appropiately update my score back. The day deliquency was posted, my score dropped by 45 points and I am hoping that it will be reverted. 

Looking forward to a resolve, I will be ahppy to provide any supporting documentation needed. 

Thanks
Consumer complaint received 2023-01-05
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. (MO)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (VA)

On XX/XX/2022 my account was hacked I've sent in a dispute to the bank and they will not refund my money when clearly my money was taken out from numerous places and locations that I've never been including XXXX XXXX {$1200.00}
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

On XX/XX/2021 I sent an international money transfer via MoneyGram to my father in XXXX, I received a notification few minutes later stating that the transaction was cancelled and the funds were already taken from my account. I been reaching out to Moneygram and they keep stalling to refund me my money.
Consumer complaint received 2022-12-24
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 pulled my credit report and noticed several accounts that do not belong to Experian Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX XXXX . 


n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.