davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2019 - Charged {$110.00}. Capital One insisted it was viable. 
Filed complaint with cfpb ( XXXX } and was resolved. 
XXXX XXXX - {$110.00} charge was reimposed, although card was frozen and I could not use it.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC (CA)

***3RD ATTEMPT*** It has been over 30 days since my 2nd attempt and I have NOT received ANY correspondence. 

In my previous CFPB complaint, UWM responded and gave pushback stating that the bank account I used to try and set up auto pay back in XXXX XXXX  and onward was an account that did not belong to me and that it was under a different name. However, this is NOT true. My wife ( XXXX XXXX ) and I are equal owners of this bank account. Please see the attached bank statement & copy of my check book that shows both names as proof. XXXX 's name shows first and mine shows second. We both have equal ownership to this bank account. You can also see that the bank account number in which UWM rejected ( XXXX ) is the same account number that is on the bank statement & check book. I'm not sure if it's because UWM 's autopay can only detect the first name listed on the bank account but I am 100 % on the account as an account owner. Therefore, Autopay was rejected for a false reason and this ultimately caused my mortgage to be late when I had full intent to pay and even tried setting up auto pay multiple times. I kindly ask UMW to rectify the late payments on both my mortgage accounts please. Please look at the rejection letters from UWM and the bank acct number they rejected due to supposedly not being mine. Then look at the bank acct number on the bank statement and check book. Here you'll see that I, XXXX XXXX, am in fact an owner on the bank account.
Consumer complaint received 2022-01-28
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Hi, I am under a loan modification program through my mortgage servicer, Shellpoint Mortgage. They should be charging me no more than 2 % on my loan yet they charged 100 % interest towards my payment last month. I have called them repeatedly to correct the matter for the past few months, but they have not responded with a conclusion. Yet I continue to make payments and each one is being assessed the incorrect interest amount.
Consumer complaint received 2023-03-08
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. (NM)

I opened an account with Comenity Capital Bank sometime in XX/XX/2022. I received my first statement in XXXX and paid off the balance of {$360.00} on XX/XX/2022. But they also charged me the next day XX/XX/2022 for {$360.00}. See Exhibit # 1 on our bank statement attached. 
I have called this company twice and was told that my payment had been returned. No-one could tell my how or why. I tried to explain that this was a debit transaction and there was no way that could happen. It did not matter. If you look at my account balances at this time, my account was never close to being in the negative. My wife also works for XXXX XXXX XXXX XXXX XXXX. My account have NEVER been negative. 
After we received no help from their customer service reps, my wife spoke to her employer ( SLFCU ) and filed a dispute. We received a provisional credit XX/XX/2022 of {$360.00}. See Exhibit # XXXX on my bank statement. 
On XX/XX/2022, I received a check from Comenity Capital Bank for $ XXXXWhy? if we had returned a check to them? My wife let her employer know the dispute had been settled and that I had received a check from Comenity Capital Bank. XXXX reversed the provisional credit of {$360.00} on XX/XX/2022. See Exhibit # XXXX of my bank account. I deposited the check from Comenity Capital Bank on XX/XX/XXXX. See Exhibit # XXXX. We should be paid off now right? Nope. The next statement I received now says i owe them {$360.00} plus a {$30.00} returned check fee. I don't owe them ANYTHING and no-one will listen to me when I call or even try to help me. I have paid my last two minimum payments so they don't report bogus information on me. I want this closed. I want my two {$30.00} payments that I made for XXXX and XXXX and I want the XXXXwo {$9.00} I was charged for the two payments I made that I do now owe. I want this card closed and to never hear from this company again.
Consumer complaint received 2020-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing.
Consumer complaint received 2020-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

im not sure how you plan to get anything addressed without my personal information but i'm going to try this again. i have been fighting with XXXX , XXXX/XXXX  since early XXXX when they began to refuse taking payments on my acct. they have sent me documents with knowingly false information regarding my attempts to clear up their problem. when it was reported to them that theu made statementsn that were false and which they used to deny loan mods 6 times as well as appeals 6 times that they say i applied for but did not. they have refused to supply copies of documents they say i sent and later admitted they did not have them but say they did nothing wrong. they never supplied a continuos contact and i was forced to tell my story to countless people over and over. they had me cancel a bankruptcy and denied me again. they have lied, stalled and done everything they could to foreclose my property. i have reported all of this to XXXX XXXX and have been met with more of the same if not worse treatment. they claim to have looked into and found nothing fraudulant. i have been lied to, hung up on and refused any recourse when it is obvious they have both broken federal laws. in XX/XX/XXXX they all wanted this to go away so they transferred me to sps to serve as the new acct servicer. i was immediately receiving the same type of letters with false information regarding apllication documents. we entered a written agreement that i would be considered for all avenues to modify my loan and no further foreclosure activity would be pursued while i gathered the documents they requested to be due in by XX/XX/XXXX. i had everything they asked for in by then on time. on XX/XX/XXXX a rep call and asked for more information which i did provide and she mistakenly revealed that they had been pursueing a sale date although there was an agreement in place that it was not to happen and secured a sale date of XX/XX/XXXX. i then advised that they were dual tracking which she did not deny and they quickly had that cancelled. the forclosure atty, sent notice that i had a payoff of some XXXX which is XXXX higher than sps has said. i have reported all these infractions to everyone involved to no avail and they choose to ignore any wrongdoing. i have been harmed in every conceivable way from my credit being destroyed, mentally, financially and physically my life and marriage of 36 years is in shambles from the stress we have been put through. cfpb did nothing in the past with XXXX   violations and the torture has continued. i would have thought that a consumer financial protection agency would protect the actual consumer at some point so here i am once again seeking protection and to be made whole from all that we have endured. i have written and recorded evidence to back up everything i have said and am ready to produce it anytime.
Consumer complaint received 2022-12-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D2 Management LLC (FL)

NOTICE of Fraudulent access to my non public personal information. No express written consent was provided to D2 Management to use, store or maintain my indentifying information for monetary gains. REMOVE or DELETE this entire account from ALL consumer reporting agencies and your internal data base. Failure to comply with law shall result in criminal liability.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion reps hang up in my face. Refuse to give me a United States rep that I can understand. The customer services needs to be handled from a supervisor. 
XXXX account is incorrect, the pay status, term length, the balance and the account itself needs to be deleted in full. 
XXXX XXXX XXXX is an inaccurate account in my file. I spoke the creditor they say the accounts isnt available. It should be deleted ASAP. FCRA rights have been violated. I need assistance from a supervisor. Or the Cfpb! This company transunion needs to be investigated on the way they services the public and the inaccuracies on my file. They should be deleted!
Consumer complaint received 2022-12-27
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. (TX)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-01-08
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. (GA)

On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing.
Consumer complaint received 2022-12-27
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. (MI)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-27
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. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-27
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. (GA)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (TX)

Hi. I have a student loan ( XXXX ) that was recently transferred from XXXX to XXXX XXXX XXXX last year. 

I send my payments to them through XXXX Bill Pay ( electronic transfer ). I pay {$70.00} a month. On XX/XX/XXXX I received my paper statement in the mail that said I had not made a XXXX payment. I immediately contacted the company, as in fact, I had made the payment on XX/XX/XXXX through XXXX Bill Pay. After several calls and being bounced around by multiple people who claimed there was nothing they could do if it was not showing on my account ( and a representative who hung up on me ), I finally spoke with someone who said they could submit a ticket to accounting for review. I told them to place my account on hold while they investigated so I would not have to make payments in the interim. As you can imagine, I did not want to send money to a company who lost my money. At this time I also emailed them the Proof of Payment from my bank. I am attaching the proof of payment and complete email string of this communication. 

After not hearing back from the company, I called to follow up on XX/XX/XXXX. They told me there was no update and it was still under review. I again stated that I wanted everything noted on my file and that I did not want to be sent to collections/credit bureaus for a payment I had made. I then repeated that the understanding I have is that I will not be making payments until this is resolved. I also asked them to verify that the collection paper letter I had received was not meaning I was being sent to collections/credit bureaus. The woman told me they were unable to stop the paper letter, but I had nothing to worry about with credit bureaus/collections. 

On XX/XX/XXXX I was alerted that there was activity on my credit report by a monitoring service I have. I saw that it was from XXXX. I sent them an email immediately. They responded that it was still in review ( on attached email ). 

Today, XX/XX/XXXX I contacted them and XXXX again to find out what I can do about this. I need help. I made my payment on time. I made a subsequent payment of XXXX amounts due today because I can't keep holding on sending them payments and ruining my credit. This is unacceptable. I need help. I desperately need you to help me so this company does not mismanage my money and then destroy my credit that I've worked so hard to get. Please. Please. Please.
Consumer complaint received 2022-12-27
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. (NC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I mailed complaint /dispute letter to all three major credit reporting agencies. I havent received a correspondence or any kind of documentation or any matters pertaining my credit have been complied with me. This is the fourth time this year and theyre not acknowledging my certified mail thru United States postal service or anything. This is obscured. I will be seeking an attorney to handle this matter soon there are violations 5 frca laws n regulations. I suffer from identity theft its documented with all three credit reports.
Consumer complaint received 2022-12-27
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. (MA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

My complaint is against Portfolio Recovery Associates, LLC- As of XX/XX/XXXX my employer was served a garnishment letter on that date. I was never aware of Portfolio Recovery Associates was granted a judgement on XX/XX/XXXX. So as forth I submitted to the court for a motion and order to set aside Default Judgement, on this date of XX/XX/XXXX which I was given a court appearance to explain to the court that Portfolio Recovery Associates did not have any documents to prove that I had a contract with them. As of XXXX XXXX I appeared to inform Judge XXXX XXXX XXXX, that Portfolio Recovery did not inform of any legal matters which includes Garnishment against me which is causing me hardship now. Since they were awarded to keep the judgement by the judge, which denied my motion as of XX/XX/XXXX. I have been battling this situation with Portfolio Recovery Associates, because I know they can't produce any Contract that with me ; or validation.