davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (OK)

I placed an order for a XXXX Lift Trunk Small Coffee Table and the Parquet : Coffee table on XX/XX/XXXX and requested a cancellation of the order on XX/XX/XXXX. Commenity Bank was very slow and unhelpful in moving forward with a refund. XXXX XXXX finally successfully processed the refund, but Commenity Bank has been unnecessarily difficult in getting a refund check and it has been a month since my last conversation with them.
Consumer complaint received 2021-12-31
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. (NY)

XX/XX/2021, I made a report to CFPB about Credit Bureau Equifax not following company guideline, by failing to delete inquiries that was on my credit report after receiving proof that they deleted it. In the report their response was the item will be deleted. On XX/XX/2021, I called Equifax to ask why the inquiries wasn't deleted. their response was rude and stated there is nothing that can be done. Down below I added documents of my proof.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I the consumer XXXX XXXX have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. Unauthorized inquiries include : XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-07-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC (NY)

Shellpoint Mortgage Company has been harassing Me for two months. My loan was Discharged two years ago during a Bankruptcy, I sent five cease and desist letters, dating back to XX/XX/21. The ongoing harassment has been abusive as they are sending Me correspondence in the Mail almost every day. I reported it to the XXXX  which is pending. Their reviews online show they harass people often. I would be grateful if You can assist Me in any way possible.
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

We were going to rent an apartment two XXXX transactions of {$800.00} were transferred to a company so that we could get the keys upon sending the money we were contacted by the company saying that this was not their institution we have tried to contact the bank in order to get our money back because this was within a matter of minutes they said that there is nothing that they can do to help us at this point because we approve the transaction this is {$1600.00} and it is literally all we have
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (UT)

I am XXXX XXXX military servicemember, and was contacted by Williams & Fudge on behalf of XXXX XXXX, alleging I owed ~ {$2600.00} despite having my account paid in full to XXXX XXXX when I disenrolled. The debt collector has repeatedly provided an unsigned agreement, claiming that that is debt verification. 

Further, they have been attempting to charge a late fee in excess of the SCRA 6 % cap. They have stated " If you think you know what's legal better than me, you should just sue me. '' When reminded of federal law, both front-line reps, their supervisor, and their outside counsel have been unhelpful and abusive.
Consumer complaint received 2021-07-26
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 submitted disputes several times to Experian/XXXX  and XXXX  and no one is responding ... There has to be some kind of law that helps us consumers out when we are submitting disputes to the credit bureaus. I want these items investigated and deleted from my credit report. Thank You, XXXX XXXX XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERFIED ACCOUNT- UNVERIFIED ACCUNT XXXX XXXX XXXX XXXXNOT MY ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXXXXXX XXXX XXXXXXXX XXXX - NOT MY ACCOUNT XXXX XXXX XXXX XXXXXXXX -NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XX/XX/1979
Consumer complaint received 2021-07-26
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. (AR)

The following two credit inquiries on my report are fraudulent and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Consumer complaint received 2019-12-13
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)

THE ACCOUNTS BEING DISPUTED HAS BEEN CLOSED WITH MY KNOWLEDGE AND AUTHORIZATION. PLEASE HAVE THOSE ACCOUNTS PURGED OFF MY CREDIT FILE FOR THEY HAVE TARNISHED MY NAME. I AM NOT PLEASED WITH THE RESULTS AND WOULD LIKE FOR THOSE ACCOUNTS TO BE PERMANENTLY REMOVE OFF MY CREDIT.
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Be Advised Capital One, you have been sent the following notice in relation to your attempts from collecting alleged debts and present debts Not OWED to you ; Debt Validation notice, cease and desist and billing error notice. You are attempting to collect alleged debts from ( a federally protected CONSUMER and not a customer that extended my credit to you, and you have been taking advantage of me ) without any authorization or authority to do so. You are exhibiting UNFAIR DEBT COLLECTION PRACTICES in your attempts to collect these alleged debts violating federal law 15 U.S.C 1692 and are not maintaining business practices consistent with the Truth And Lending Act 15 U.S.C 1601 nor the fair billing act 15 U.S.C 1666. You are required by LAW to adhere to these regulations and maintain business practices consistent with these laws, also including your requirements to have business practices consistent with Generally Accepted Accounting Principles pursuant to 12 U.S.C 12 1831n. Your actions lead to a violation of the law and your oaths to maintain these practices in your business dealings. As the natural person, I am demanding all of the information be sent as required pursuant to the aforementioned laws and those clearly and conspicuously shown in the attached notices. As a consumer, I have a right to dispute ANY act that violates me as a natural person. As congress has stated YOU are a debt collector pursuant to 15 U.S.C 1692a ( 6 ) and your adherence to this FEDERAL LAW is NOT optional. In my attached notices I have demanded several original documents, if your claims hold any merit you will have no problem providing proof. This demand is NOT optional you are REQUIRED pursuant to the freedom of information Act Act 5 U.S.C 552 to provide ALL the information that was demanded the exact way it was demanded. Any submission not in compliance with these demands will create exhibits that prove that I do not owe you any alleged debts. As the ORIGINAL CREDITOR and CONSUMER involved in the alleged debt, I am demanding you comply with the demands in this attached notice. The affidavit must be answered point by point. I will not hesitate to pursue further litigation to enforce the protection of my consumer rights if need be. Without this demanded documentary evidence that I owe any alleged debt, your practices are inconsistent with 15 USC 1692 and you will be held FULLY accountable for your WILLFUL NONCOMPLIANCE with federal law. Pursuant to 15 USC 1635b I have a RIGHT to rescind ALL money and interest that was paid for an alleged debt that was not for me to pay back to an account I desire. Also pursuant to 15 1692h because I was deceived to pay an alleged debt, for future payments I choose to apply for such payments in accordance with my direction.
Consumer complaint received 2016-06-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Dream Center Education Holdings (SC)

I contacted XXXX University on XXXX XXXX, XXXX and requested to have an Official Transcript be sent directly to a potential employer ( XXXX XXXX XXXX XXXX XXXX ). 
When I had n't heard from XXXX University and received an email from the potential employer regarding items in my " To Do List '' I sent a follow-up email to XXXX University on XXXX XXXX, XXXX and was informed there is a transcript " hold '' on my account. Once I contacted the Business Office I was told I had an outstanding balance that dated back to XXXX. 

The problem with this is I graduated in XXXX XXXX and received a refund from XXXX University for the same amount they are now telling me I owe them. I recall getting the refund well because it was direct deposited into my savings account and I called the school to verify this refund was n't an error because the last thing I wanted was to spend funds that were n't owed to me and create another bill for myself. When I called they explained every 3 to 5 years they audit their books and determined I over paid in XXXX In addition, I never received a bill from XXXX University .
Consumer complaint received 2021-07-26
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. (MD)

I have sent all three bureaus a certified letter asking them for verification for the items placed on my report. To this date I have not received verification of debt. Here are the items : XXXXXXXX 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 2017-01-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Ditech Financial LLC (TN)

1. During the month of XXXX I purchased a property thru Ditech located at XXXX XXXX XXXXXXXX tn XXXX. Prior to closing I was approached by the adjoining property XXXX XXXX. He told me the home was partially on his property. He wanted the home moved off the property. I immediately call the field rep for Ditech ( XXXX XXXX Ph. XXXX ) and told him what happened. I told him I would not close the property unless Ditech vereifed the legal description and that the home be completely on the legal description. He sent XXXX XXXX surveying out to verify the boundaries. XXXX XXXX located XXXX pins and the home was clearly inside the pins. I contacted XXXX XXXX XXXX and told him what XXXX XXXX had to say. I also told him if he disagreed he should get his own survey and if it differed we would attempt to reconcile the problem. XXXX XXXX did not call back. I closed on the property and spent apx. {$25000.00}. to remodel the place. I rented the home and heard nothing else until apx. XXXX XXXX. I went out to check on the property and a survey line had been laid thru the middle of the lot. On the following monday XXXX XXXX recorded a deed from his niece transfering ownership to him. XXXX XXXX hired an attorney and ordered me to move the home. He would not accept any offer to settle the matter. He wanted the home moved. I hired XXXX XXXX XXXX XXXX. to investigate the matter and file siut on XXXX XXXX. His investigation reveled that the the location of the home did not match the legal Description true point of beginning. I attempted to contact Ditech but no one responded.I think this could have been taken care of by the Ditech foreclosure attorney but with no response from Ditech and based on the findings I moved the home to the boudaries of the correct legal description. I had to do this to protect my interest as well as the banks interest. I have a mortgage on the property.. 2. I want Ditech to reimburse my costs in this matter of apx. {$18000.00}. This is the cost of moving the home, installing a new well, connecting the sewer etc. If they disagree I would like for a mediator to handle this and I will be happy to work with anyone that Ditech thinks should here this matter. 3. My information XXXX XXXX, XXXX XXXX XXXX, XXXX, TnXXXX email XXXXXXXXXXXX 4.. attached are letters from my attorney, Ditech and XXXX XXXX Bank XXXX
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lewis, McDonnell & Associates (TX)

this debt was by XXXX XXXX XXXX XXXX. I've never known them or had any business with them. This company is now closed and the debt was sold to LEWIS MCDONNELL & ASSO.I have no knowledge of this account. There are several complaints on the company ( XXXX XXXX XXXX XXXX ) which is why they were shut down.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (DE)

Experian Membership Services. 
I called and spoke with XXXX who was very rude and refuse to provide me with her supervisor. I called back and was transferred to the Supervisors of the membership department, spoke with XXXX, same department as XXXX. He refused to provide me with a manager. 
Manager ; XXXX would not provide that information. 
Supervisors of the membership department. 
These supervisors provided the same poor service as the membership representatives. The supervisor XXXX talked over me and was disturbingly rude to the point where I was encourage to write this letter to advise Eperian of how customers are being treated.
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MD)

LVNV is attempting to collect a debt that was already paid to the credit card company. Also the credit card company is removing the debt from my account. LVNV  is definitely trying to collect on something is zombie debt and charging the wrong amount that were attempting to collect debt and they continuously keep going up.
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX Account " XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2021-07-26
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. (GA)

There are a few elements at play here that led to me not even being aware that my account was at risk for being delinquent. 

1 ) I have two separate loan accounts with this loan provider. One of which, I could access, the other, I could not. 
2 ) I was locked out of the account that they were sending correspondences to - and I wrote them through their portal, emailed them, and called multiple times ( Once on XXXX XXXX, once on XX/XX/XXXX, and at two other points in XXXX and XXXX ). None of these methods yielded a response. Not once. 

I had no idea that I had an outstanding balance that needed to be paid - only that there was a message in the account that I could not access. And the only prompt that was available when I tried to address the inability to login - was the site prompting me to call in. Which I did - but never received an answer. 

Things proceeded this way until XX/XX/XXXX, when my parents at my family home received a letter and sent me a message that I needed to call and pay by phone. I had no idea this was the case for so long and paid that same day. Fast forward to XX/XX/XXXX - I get a credit monitoring alert that I have 3 new derogatory marks on my credit report that dropped my score XXXX plus points. A score that I have been scrounging to protect since I graduated 3 years ago. That has come under assault due to misreporting from multiple sources. 

That being said, I literally had no way of knowing what was going on. When I called, I got no representative. When I tried to contact them via their portal on the site, I was prompted to call. So the cycle of no contact continued. 

All things considered, I would also like it noted that as SOON as I was aware that I owed any outstanding monies, I paid the same day. Also, with the loan that I have refinanced with XXXX and XXXX, that payment has always been on time. 

I think it's unfair to be penalized for something that was out of my control. In this scenario, I also demonstrated a consistent desire to understand what was going on, but when I called in today and spoke to a representative, I was made aware that the contact center had been dealing with a high backlog in terms of correspondence. That further contextualizes the issue that denied me the ability to contact the lender and even understand that I had a payment due. I would really like these derogatory marks removed.
Consumer complaint received 2021-07-26
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. (DE)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (PA)

Interest rate starting at 3.99 when account opened. Then increasing without my knowledge to 29.99 %. Very alarming amount. I would like to close this account and remove the high interest rate.
Consumer complaint received 2021-07-26
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. (GA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-07-26
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. (TX)

I have tried to reach out to each credit reporting agency and they have been closing my complaints every time. I am giving authorization to to pursue this complaint. I have attached my credit report for this account and there are multiple discrepancies on all three credit reporting agencies. The open dates, high credit amount, the inaccurate late payments dates are also inconsistent. Also there are missing report dates as well. These numbers and dates are supposed to be the same. If all three credit reporting agencies receive the same information from the same creditor, why are these numbers so vastly different?