davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

ON XX/XX/2021 I received a notice from Shellpoint Servicing my mortgage company ( dated XX/XX/2021 ) in the mail. The notice said Shellpoint was going to add insurance to my mortgage as they had not received a copy of my insurance. ( Not true ) I sent them again a copy of my insurance. No call or email back from them. I went online and looked up my account and they deducted out of our tax escrow account funds for insurance even though I had already sent them everything they asked for. I have called in several times XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and each time the agent states that they received the proof of insurance and that it will take 48 business hours to cancel their insurance and put the funds back in my escrow account. I signed in again today XX/XX/2021 and the funds are still not in my escrow account. The agent again told me it will take 48 business hours and to check back Tuesday XX/XX/2021. Starting XX/XX/2021 they are going to charge me XXXX more on my mortgage payment each month to pay off their insurance. This is fraud.
Consumer complaint received 2020-03-31
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. (PA)

Good morning I have tried to dispute this account with XXXX XXXX and all credit bureaus. This account still show as potentially negative when its false. I have to been a customer for XXXX XXXX   since 2016. The account was paid in full since then. All the credit bureaus and the company have refused to take this off my credit. I need someone to enforce this people to stop and remove this negative false account. Thank you
Consumer complaint received 2020-03-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (ID)

I have been receiving bills from Chase re : my HELOC. 
Included in the Total Amount due in my XX/XX/2019 statement was " Prior Fees / Charges of {$220.00}. 
I paid the total due but the {$220.00} was not credited to " Prior Fees " but to the principal. 
I paid the {$220.00} again in XX/XX/2019 and again it was credited to the principal. 
I believe I Have paid the {$220.00} two other times with the same result. 
I have asked Chase to credit the original payment to the prior fees and refund the rest of the {$220.00} payments that were credited improperly to my principal. 
I was told they would not be able to refund any of the payments. 

I believe that in total I have paid {$900.00} to cover the prior fees ( in {$220.00} sums ). 
The Prior fees / charge of {$220.00} continues to be on the bill and added to the minimum payment due. 
I have initiated a case at Chase with the executive offices. After multiple phone calls with their account representatives I have come to believe Chase is engaging in deceptive billing practices.
Consumer complaint received 2021-06-18
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: TD BANK US HOLDING COMPANY (NJ)

the following accounts appear on my credit report, without authorization Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft TD BANK NA Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft NORDSTROM/TD BANK XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-04-01
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)

I was trying to apply for a loan to purchase a jet ski and I was told that my credit had to be reviewed to see if I was eligible. As they checked my credit they told me I was eligible but my interest rate would be high due to my score not being the best. I asked what was the reason behind this and they told me there was some things on my account hurting me. These things to not belong to me. My identity has been compromised. Please delete these things from my report.
Consumer complaint received 2020-03-31
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: EQUIFAX, INC. (PA)

Good morning I have tried to dispute this account with XXXX XXXX and all credit bureaus. This account still show as potentially negative when its false. I have to been a customer for XXXX XXXX   since 2016. The account was paid in full since then. All the credit bureaus and the company have refused to take this off my credit. I need someone to enforce this people to stop and remove this negative false account. Thank you
Consumer complaint received 2021-06-18
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: TD BANK US HOLDING COMPANY (NJ)

the following accounts appear on my credit report, without authorization Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft TD BANK NA Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft NORDSTROM/TD BANK USA Account Number : XXXX This is not mine.
Consumer complaint received 2020-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Good morning I have tried to dispute this account with XXXX XXXX and all credit bureaus. This account still show as potentially negative when its false. I have to been a customer for XXXX XXXX   since XX/XX/2016. The account was paid in full since then. All the credit bureaus and the company have refused to take this off my credit. I need someone to enforce this people to stop and remove this negative false account. Thank you
Consumer complaint received 2020-03-20
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. (RI)

XXXX XXXX XXXX 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, 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 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
Consumer complaint received 2020-03-20
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. (RI)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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, 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
Consumer complaint received 2021-06-18
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: PENTAGON FEDERAL CREDIT UNION (NY)

1. Identity Theft PENTAGON Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft PENTAGON Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under RMP Services LLC. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

XX/XX/XXXX I disputed a inaccurate bankruptcy on my credit file.XXXX I received notice the file is complete and they verified the information is correct. what I ask for Equifax to do was send me the method of verification, and also verify this information from the actual court and send me a copy. they are not able to verify the accurate discharge date or give me the amount of the bankruptcy. receiving information from public records, The court has refused to become a Data Furnisher concerning this public records item, therefore the information is by all definitions is unverifiable, and that you can not verify an item that is reviewed from public records. This item must be deleted. 
XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX  XXXX {$990.00} XX/XX/XXXX XXXX XXXX  ************ {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX & XXXX XXXX {$370.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I did not receive merchandise, I called the merchant and they did not credit my account. I called Bank of America and was told to call the disputes line, I called that line, and told the person I did not receive the merchandise. 

On XX/XX/2020 I received a letter, dated XX/XX/2020 stating that I had to provide proof I returned the merchandise and I had ten days to comply. I sent my response immediately. 

On XX/XX/2020 I received a notice dated, XX/XX/2020 saying that I had a limited time to respond. I sent a copy of mine dated XX/XX/2020 On XX/XX/2020 I received a notice, dated XX/XX/2020 saying that I did not provide information in a timely manner. 

I responded with information in writing on the very day I received the notice. BOA did accurately report my information to the company
Consumer complaint received 2020-03-20
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. (NY)

THE DISPUTED ACCOUNTS ARE DUE FOR REMOVAL OF FMY CREDIT FILE. THESE ACCOUNTS HAVE BEEN PAID IN FULL IN A SETTLEMENT. HAVE THOSE ACCOUNTS OFF MY CREDIT FILE, THEY HAVE BEEN CAUSING SERIOUS DAMAGE AND IS CAUSING DELAYED IN EVERYTHING THAT I AM TRYING TO PURSUE. PLEASE REVIEW ALL THE ATTACHMENTS AND REMOVE THE DISPUTED ACCOUNTS OFF MY FILE.
Consumer complaint received 2020-03-31
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: Conn's, Inc. (TX)

A loan from Conns showed up on my credit report around XX/XX/XXXX. It shows the account was open in XX/XX/XXXX. The amount owed is {$1800.00} and the account went 30 days late on XX/XX/XXXX. The account does not belong to me. The first time that I called Conns they kept telling me that I do not have an account with them. I insisted that its showing on my credit report and causing my score to go way down. The next time that I called Conns, I finally got ahold of someone that would listen and dug a little deeper. He did find an account that was somehow linked to me by some accident. He gave me account number XXXX and then transferred me to the fraud department. I spoke to the lady in the fraud department and she admitted that it wasnt actually fraud, that Conns was just reporting it wrong. She assured me that they would look into it and gave me a ticket number XXXX. That was in the beginning of XX/XX/XXXX and as of today, I have yet to hear back from them or be able to get in touch with them. I need this item removed from my credit report immediately due to Im trying to buy a house. This isnt the first time that Conns has linked someone elses account to my credit report. It did happen years ago and they resolved the issue.
Consumer complaint received 2020-03-20
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. (SC)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 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 Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 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, GA XXXX XX/XX/2020 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
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Per the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Bankruptcy XXXX XXXX  Docket Identifier XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.