davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

My mortgage account was transferred years ago from XXXX, XXXX, XXXX, to now Shellpoint. This account has been in distress since the listed Servicers have taken over the account. And it goes beyond just bad customer service, accounting and the misplacement of my payments but my PMI and tax bill as well. 

My current monthly mortgage is {$1100.00}. Transferred XX/XX/19 to ShellPoint. 
Before the transfer, I was sending monies in ADVANCE of {$600.00} bi-weekly to XXXX. To provide full payment an additional {$88.00} to be applied to the principle. 

I contacted your ShellPoint on XX/XX/19 at XXXX, and it was confirmed there were XXXX sitting in the unapplied account from XXXX transfer that was paid on XX/XX/19 ( principal {$220000.00} ). ShellPoint confirmed again through correspondence on XX/XX/19, there was money sitting in suspense account. Monies were never applied. I continuously contacted ShellPoint several times about posting payment after I made another payment of XXXX on XX/XX/19, to no avail, never applied. 

There was money sent XX/XX/19 that was applied to XXXX. The {$88.00} principal payment applied from Shellpoint payment history provided did not decrease the principal balance but increased. Also, Shellpoint adjusted my principle balance with an increase of {$600.00} ( principal, XXXX, XXXX ) in error and without notice. The payment history amounts listed in some of the columns are not shown. 

I currently have fees accessed to the account. Unexplained amounts indicated ( legal, other, etc. ). 

Considering the misplacement of payments and reviewing the payment history provided by XXXX and Shellpoint, I have to question the authenticity of the recent payment history provided.
Consumer complaint received 2020-03-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been disputing this account since XXXX of XXXX and the account has been verified by XXXX  and XXXX  multiple times, yet each time they have verified it, they have also altered information, amounts and dates, making the account appear as newer than it truly is. 

I have requested information from XXXX, XXXX  and Capital One Auto, requesting they provide the information they are using to verify the account and they have ignored my request every single time. XXXX  and XXXX   just keep altering the information on the report even though the information was verified as accurate in the previous dispute. With each update, they have caused my credit scores to drop significantly because of the inaccurate information they have been reporting. 

I just recently learned of the CFPB being available to report XXXX  and XXXX  to, I wish I had known sooner. I was under the impression they were consumer protectors as well. I have not been able to be approved for student loans while I was going to school and have missed two semesters since. It seems absurd they could have access to your credit and cause such damage that literally impacts you and your childrens lives so negatively. 

I have kept records throughout the process, copies of certified letters, receipt of those letters and responses in the updating that was done. The most recent response was altered again and is still reporting inaccuracies and violations. 
No Credit Limits reported Inaccurate High Credit Limits No Closed Dates Closed Dates were actually removed Date of Last Activity has been updated to appear newer Date of Last Payment has been updated to appear as newer It was not a paid collection Date of First Delinquency has been altered The Date of First Major Delinquency was updated to XX/XX/XXXX The Date of First Major Delinquency was JUST changed to XX/XX/XXXX XXXX   and XXXX have ignored my requests to provide the verification information available Capital One Auto has ignored my requests for information on this account None of the reporting agencies have provided any information on this account, yet they keep changing it after they reported each previous time the account was verified. XXXX removed the account from my report due to the inaccurate information.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

My LLC has a checking account with People 's United Bank. We started with XXXXXX/XX/XXXX and then they were bought out and accounts transferred. 
This past year we have been charged account analysis fees monthly for XX/XX/XXXX/mo. It took calling the bank to learn it was because we had two two users on the account. However, the customer service folks could not tell me how to remove a user and thus get rid of the fee. I had to be transferred to the eTresury specialist. After waiting on hold over 30 minutes on two separate occasions, I did get through today after 40 minutes on hold. 
The representative told me I had to email the department to ask a user to be removed, but when I was unhappy with that action, I was transferred again to XX/XX/XXXX- who showed me on the site how to remove a user in a matter of a minute. 
I do not think I should have been charged for this fee over the last year having tried to get through to the bank to remove the user. It was easy to do once showed, but even 2 levels of their own Customer Service folks did NOT know how to do it. 
The bank needs to be better staffed to handle calls, the training needs to improve so folks know how to use their own system, and customers should not be charged fees they can not address easily or even understand as to why they are being charged.
Consumer complaint received 2020-12-30
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

I have made several complaints written letters and via emails each time I reported to the CFPB and nothing was done.the first complaint was XXXX. 
My rights are being violated, I opt out of any and all authorization written or unwritten verbal or non verbal 15 USC 6802 15 USC 6805 Privacy Act of 1974. A charge off is a certificate of indebtedness which means it is income and must be removed.The law says it's illegal to report transaction history. 16 CFR 313, 16 CFR 4331.2 16 CFR 433.2 15 USC 1681. Please adjust affected IMMEDIATELY
Consumer complaint received 2020-12-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2020-03-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

Date Reported : XX/XX/2019 Amount : {$350.00} Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX I am attempting to resolve this collection due to the fact they are stating false account information. My auto insurance coverage with XXXX XXXX was due on XX/XX/2019. I was in a critical accident on XX/XX/2019, I successfully made the payment on XX/XX/2019 of {$350.00}. I also talked to a representative the same day of the accident stating that my car is totaled and I will no longer need auto coverage since my vehicle was towed to an auto body shop. The same the shop told me my vehicle was most likely totaled, I told those same words to a representative to help me cancel my coverage after successful payment. Two months later on XX/XX/2019, I see a collection amount of another {$350.00} for the month of XX/XX/2019. XXXX did not take appropriate measures to make sure they successfully canceled my coverage.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (TX)

I submitted a fraudulent claim for charges on my account with my bank BBVA on XX/XX/XXXX. They have only refunded me {$40.00} out of the {$700.00}. As you can see we are well over the 90 days. Every time I call they out me on hold for over 45 min and then hang up. Theyve been giving me the run around that the investigators are on it and they are going to connect the call. And they leave me waiting for a long time and hang up all over again. At this point theyve been pushing the dates so they dont have to pay anything and I am extremely pist. I want this resolved so I can close my account with them. Worst service ever. I need this fixed ASAP
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

I was having financial troubles as part of the aftermath of Hurricane Irma back in XXXX. During that time Ive dealt with making a plan to try and catch up. I explained various times what was happening to me and they worked with me. Moving forward to XXXX, I was laid off Of work due to Covid-19 in XX/XX/XXXX. I informed all the companies I had bills with of the situation. I was then rehired in mid XXXX. Fast forward to today, XX/XX/XXXX, Discover credit card without notice decided to close my account with them. I had spoken to an agent on XX/XX/XXXX to strike a deal and plan to get current by tomorrow. XX/XX/XXXX XXXX. It appears my request was ignored or denied without notice. Whatever you do, dont apply to Discover Card.
Consumer complaint received 2023-02-05
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: EQUIFAX, INC. (FL)

Pursuant to 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, 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 NEVER gave You OR XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices.

You, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
account ending in XXXX. 
I was never late on this account please update the account as Paid/Current. 

By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX, XXXX XXXX [ XXXX ] Without Prejudice, All Natural Inalienable Rights Reserve
Consumer complaint received 2018-01-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (CA)

XX/XX/XXXX I checked my credit reports online. I found that USBank had done a soft inquiry on XX/XX/XXXX and XX/XX/XXXX. I have reason to believe that a  specific branch manager has checked into my accounts to see our " assets '' value. After speaking with my local branch manager, I called the XXXX number as advised. After an hour of being passed from one department to another I was told that they had no way of checking this or any way to see if my information was checked. I then contacted XXXX XXXX XXXX, Execuitve Director of credit disputes, by mail on XX/XX/XXXX about these inquiries. XX/XX/XXXX I received a letter regarding an inquiry on XX/XX/XXXX, which I was not concerned with, but nothing about the XX/XX/XXXX dates.

XX/XX/XXXX I sent a letter to USBANK Bureau Inquiry requesting the reasons for the XX/XX/XXXX inquiries and have had no response. I included copies of my credit reports in these mailings. 
I do understand that a soft inquiry does not effect my credit score. This would be a case of security and privacy breaches. Please advise.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I have called XXXX XXXX XXXX XXXX. They rectified the situation by sending out a 1099-C Debt Cancellation notice : 1099-c under 26 U.S.C. 108 - U.S. Code - Income from discharge of indebtedness.

That Discharges the debt and counts it as income. XXXX  and XXXX  has removed it from my credit report according to XXXX ( service I pay for ) as well as XXXX XXXX. However, Experian continues to report it as factual and gives me continuous lates and derogatory status. 

Also, XXXX  XXXX XXXX XXXX originally used this account number to report the debt and it was deleted : XXXX Now, XXXX XXXX  XXXX XXXX refiled THE SAME DEBT under a new account number : XXXX Clearly showing they are purposely misrepresenting the facts that is clearly illegal. 

I have included the letter I sent out to Experian since XX/XX/2020. Since the shutdown, I gave everyone the benefit of the doubt to rectify the situation. It is only getting worse.
Consumer complaint received 2024-03-19
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. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2023-02-05
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: EQUIFAX, INC. (MD)

This is an unfair system, to be ignored and taken advantage of while plenty of laws are broken due to malpractice, and the severity of not taking my situation has caused financial injury and defamation of character along with 60 days of no response. 

i am a victim of identity theft due to the Equifax data breach and all items shall be removed/blocked until this investigation is over.
Consumer complaint received 2023-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is an unfair system, to be ignored and taken advantage of while plenty of laws are broken due to malpractice, and the severity of not taking my situation has caused financial injury and defamation of character along with 60 days of no response. 

i am a victim of identity theft due to the XXXX data breach and all items shall be removed/blocked until this investigation is over.
Consumer complaint received 2023-02-05
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. (IL)

UNLAWFUL REPORT OF LATE PAYMENTS To Whom This May Concern, I have a credit account with XXXX XXXX XXXX that is reporting four late payments in month XX/XX/2022 through XX/XX/2022. I am requesting these four late payments be changed to fix because the reporting of these late payments are not supposed to appear on a consumers report. According to 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am also notifying this credit reporting agency that it is prohibited to report information with actual knowledge of errors, according to 15 U.S. Code 1681 s-2. This is unlawful and my four late payments need to be immediately adjusted to OK as the duty of data furnishers is to provide accurate information.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (IL)

XX/XX/2020 Received a second notice, on pink paper this time, demanding to collect a debt for civil penalty ( traffic violation ) of {$200.00}. The notice has 3 different PO Box addresses across 3 states. The town the violation is listed for, does not have a Washington state address. It includes a website XXXX and a number XXXX
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OH)

On XX/XX/2022, Citibank Mastercard credited my account for {$51.00} in fraudulent interest charges. In its XX/XX/2022, bill, Citibank then charged me {$30.00} in new interest for failing to pay the {$51.00} that it credited to my account weeks before the XX/XX/2022, XXXX was due in early XXXX. This the the fourth month that Citibank has tried to pull the same scam : 1 ) give credit ( s ) ; 2 ) disregard credit ( s ) for purposes of determining interest due ; 3 ) charge interest not due Each time, they credit my account and then disregard the credit ( s ) when determining if I paid my " monthly balance '' You closed my prior complaint for prior fraudulent interest charges by Citibank with no investigation. I see we gave your agency about {>= $1,000,000} in XXXX 2022 to " protect '' us from scammers, like Citibank, an habitual offender. I await your response with interest. Next month, Citi will likely try this scam again because I will not pay any amount fraudulently placed on my bill - sent by the Internet and U.S. Mail with, at a minimum, reckless disregard for its accuracy - arguably wire and mail fraud - " predicate acts '' under R.I.C.O.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

OVER XXXX YEAR OLD ACCOUNT - CAPITAL ONE - card ending XXXX DATE : XX/XX/2020 AMOUNT : {$49.00} - XXXX XXXX ( I think this is XXXX campaign got my number from XXXX without my approval ). 

NEW CAPITAL ONE CARD - card ending XXXX. 

CARD WAS SENT BACK IN PIECES U.S.P.S. XXXX ALONG WITH DOCUMENTATION STATING THE END OF BUSINESS + OVER 100 FAXS EVERY DAY FOR A MONTH.

CRIMINALS CONTINUE TO BILL {$4.00} A MONTH + {$49.00} + INTEREST. 

PLEASE END THIS XXXX - THESE BLOOD SUCKERS HATE AMERICAN CITIZENS
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

i am a victim of identity theft someone has used my personal information to obtain goods and services using my personal information.i have sent in all supporting documents to support my cliam on these matters to all three credit reporting agentcies and the fraudulent accounts came back as verfied and accurate.