davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Our mortgage loan was serviced by Shell Point Mortgage Service, They were collecting money for the mortgage and escrow account to pay for Taxes and Insurance. 
For yearXX/XX/2018, taxes were due to the City and the County. They did not pay the taxes per the escrow agreement on time. 
In XXXX, we received delinquent tax statements from the County and the City.  We contacted Shell Point. They indicated that the taxes are our responsibility and we have to pay it, although they were collecting money for these taxes and our escrow account had more than {$20000.00} to pay for the taxes. 
In XXXX, we paid the taxes with the late fee penalty that resolved the issue with the county and the city. Shell point sent us a letter that they missed the payments due to an error on their behalf and apologized for the error. 
In XX/XX/XXXX the mortgage was sold to XXXX XXXX XXXX XXXX  with the escrow account. XXXX XXXX XXXX reimbursed us back the taxes we paid from our escrow account. As to the paid penalty, XXXX XXXX XXXX indicated that they were NOT handling the account in XX/XX/ and they are not responsible to pay the penalty and we should contact Shell Point. 
We have been sending Shell Point emails and receiving responses apologizing and to contact XXXX XXXX XXXX about the penalty issue ( Although XXXX XXXX XXXX has nothing to do with it because the penalty incurred when Shell Point was servicing the escrow account ). 

We asked them to pay us the penalty that we paid XXXX {$1000.00} XXXX, and till now we only get apologies and to contact XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Macys had a glitch in there system on XX/XX/2019 and charged my card for an order I never placed. Called them several times even went to store and sat with store manager proving that item was never purchased. My credit card is {$340.00} over the limit now. They told me if would take 2 months to fix problem. I have spent days trying to resolve the problem. Macys credit does not care. I got notification my credit score went down 30 points for being over my limit. Macys needs to resolve this problem. There unwillingness to repair the damage they have done to me is distresssing.
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

False information on my credit report : Accounts 1. XXXX : {$1000.00} on XX/XX/XXXX Inquiries 1. XXXX XXXX : XX/XX/XXXX 2. XXXX XXXX : XX/XX/XXXX 3. XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2019-06-30
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. (NY)

False information on my credit report : Accounts 1. XXXX : {$1000.00} on XX/XX/XXXX Inquiries 1. XXXX XXXX : XX/XX/XXXX 2. XXXX XXXX :  XX/XX/XXXX 3. XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2021-11-11
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: EQUIFAX, INC. (CA)

I mailed a dispute letter via Certified mail regarding several erroneous accounts showing on my credit report on XX/XX/XXXX. It is now XX/XX/XXXX and I have still not heard back from the XXXX Regarding these disputes. 

Per the FCRA laws, XXXX must complete their results within 30 days of receipt of my dispute letter.
Consumer complaint received 2019-06-30
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)

What in the world is happening here that my concern was not attended by Equifax and XXXX!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX
Consumer complaint received 2019-06-30
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. (CA)

What in the world is happening here that my concern was not attended by Transunion!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX , XXXX XXXX XXXX
Consumer complaint received 2019-06-30
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. (NY)

I found these accounts on my profile 1. XXXX XXXX XXXX - {$5700.00} on XX/XX/XXXX 2. XXXX XXXX - {$460.00} on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX {$1100.00} on XX/XX/XXXX 4. XXXX/XXXX XXXX - {$4100.00} on XX/XX/XXXX
Consumer complaint received 2018-11-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Midwest Recovery Systems (OH)

A company called XXXX XXXX  XX/XX/XXXXhad put a negative item on my report for an amount not owed. I hire XXXX XXXX XXXX about this and after a while it was taken off my report needless to say it is over 5 years old, anyway the debt was put back on my credit report as a new debt and reported fraudulently under a different amount. It was taken off my report again. This last time it was added to my report by a collection agency under a different amount as being a new debt from Midwest recovery with the date as beingXXXX this information is totally incorrect. Please look into this matter as I feel that it is not legal or ethical.
Consumer complaint received 2018-04-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/2018 I am not a customer and attempted to take a check that is one of their customers to cash it. I was told I had to pay an {$8.00} charge. I paid cash to the writer of the check for a service that was not rendered, I was refunded. Why am I now having to pay {$8.00} to get the money back I paid. I didn't charge anyone {$8.00} when I handed them my CASH. They proceeded to discriminate against me bc I am an XXXX XXXX Trump supporter  and told me they would not waive the charge even though they were debating it. Then they called the police without asking us to leave and said we were trespassing. Why are they allowed to abuse public services like this, they were not threatened, they did not ask us to leave, it is an abuse of civil services. I am a tax paying citizen. The bank is not entitled fees to MY cash when I am not paying for their services. I did not choose Bank of America and I would NEVER PAY TO USE THEIR SERVICES. They discriminated against me bc I am XXXX XXXX and did not provide me the same service they would any other individual.
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Please reverse the late payments which Experian credit report on XXXX XXXX, XXXX XXXX XXXX. I was not late paying the account. This is current. I disputed the accounts and ask for evidence of such late payment but all they gave me was a computer generated print out which is unacceptable by the FTC. An itemized printout does not represent verification..Remove this error from my credit report
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please reverse the late payments which Transunion report on XXXX  XXXX XXXX, XXXX XXXX. I was not late paying the account. This is current. I disputed the accounts and ask for evidence of such late payment but all they gave me was a computer generated print out which is unacceptable by the FTC. An itemized printout does not represent verification..Remove this error from my credit report
Consumer complaint received 2021-04-19
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$350.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$350.00} -This is not my account.
Consumer complaint received 2019-06-30
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. (GA)

What in the world is happening here that my concern was not attended by XXXX and Transunion!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report
Consumer complaint received 2015-06-03
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank ( PayPal Credit ) did not post payment, then charged me a late fee of {$25.00}, so I 'm missing a total of {$50.00}. I closed the account and paid what I thought I owed. Calling the company, all I got was an automated response unit ( XXXX ),. It said to send proof of payment to XXXX FL, which I did, nothing, no response, now they tell me I owe them {$25.00} or will incur another late fee. What happened was I used my bank ( XXXX ) Bill Pay service with the account # type on the e-check. Someone then wrote their own account # on the bottom of the check. I have a copy.
Consumer complaint received 2019-06-30
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)

I recently had incorrect information removed from all three of my credit reports in XXXX of this year. Experian, XXXX, and XXXX all removed a debt that was NOT mine from my reports. XXXX XXXX XXXX was reporting a debt from XXXX that was NOT mine. I have NEVER lived in a XXXX area and I've never had their services. Some woman with my name lives in Houston ( a XXXX area ), and I assume it is hers ... as XXXX  falsely has the Houston address as one of my former addresses ( added this month -- even though I have lived in my house for 5 years ). Now, the debt was sold to XXXX XXXX XXXX and it has landed BACK on all three of MY credit reports. XXXX  never lets me into my online account -- EVER. So, I can not dispute online. I filed another dispute with Experian today. XXXX 's site is down. I can not fight this every time it is sold. XXXX XXXX was told they couldn't collect ( as it ISN'T MINE ), so they SOLD it to XXXX  and they've added it FALSELY to ALL of my reports again -- just 4 months after I had this resolved. I have NEVER had an account in collections -- EVER and it is ruining my credit score. Some woman in Houston didn't pay her cable bill and I'm being punished for it. I want this debt removed for good from ALL three repositories.
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHALLENGE FINANCIAL SERVICES (CA)

Challenge financial services Had agreed to repair the vehilce, and continued to accept XXXX payments from me ..3 after car was impaired, I had warranty extended. They took my cash and XXXX deceived me and repossessed the car after taking my money, each time I wanted to record her calls for verification she would hang up on me ... .in effort to avoid a record of the agreements, malicious lender!! Needs to be investigated.
Consumer complaint received 2019-03-26
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. (FL)

Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX XXXX - partial account # XXXX XXXX please see page XXXX of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the XXXX bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2019-06-30
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: EQUIFAX, INC. (FL)

XX/XX/XXXX. I asked The work number to blocked all my employment information due to security breach. Which I received information about my personal information being exposed to the public. I'm a victim of identity theft and XXXX XXXX. I want my information blocked. 


XX/XX/XXXX. I wanted to see if my information was block. The man told me he couldn't see nothing. I asked him for a full report. He stated he couldn't help and hung up.
Consumer complaint received 2019-06-30
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. (TX)

I recently had incorrect information removed from all three of my credit reports in XXXX of this year. XXXX, XXXX, and Transunion all removed a debt that was NOT mine from my reports. XXXX XXXX XXXX was reporting a debt from XXXX that was NOT mine. I have NEVER lived in a XXXX area and I've never had their services. Some woman with my name lives in XXXX ( a XXXX area ), and I assume it is hers ... as XXXX falsely has the XXXX  address as one of my former addresses ( added this month -- even though I have lived in my house for 5 years ). Now, the debt was sold to XXXX XXXX XXXX and it has landed BACK on all three of MY credit reports. XXXX   never lets me into my online account -- EVER. So, I can not dispute online. I filed another dispute with XXXX  today. Transunion 's site is down. I can not fight this every time it is sold. XXXX XXXX was told they couldn't collect ( as it ISN'T MINE ), so they SOLD it to XXXX and they've added it FALSELY to ALL of my reports again -- just 4 months after I had this resolved. I have NEVER had an account in collections -- EVER and it is ruining my credit score. Some woman in XXXX didn't pay her cable bill and I'm being punished for it. I want this debt removed for good from ALL three repositories.
Consumer complaint received 2019-03-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

This Mortgage note was transferred from XXXX XXXX to Select Portfolio Servicing , inc. without consultation during the XXXX of 2018. 
Our attempts to find out why fees keep being added are not being answered? Also our attempts to pay down or re-negotiate the mortgage or the exorbitant interest rate are ignored.
Consumer complaint received 2020-11-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was a victim of the check with no funds and the Bank of American credited the amount to my account and after the scammer 's induction to make me transfer the amount to another account, just 3 days later the bank identified that there were no funds in the check and refused to cancel transfers even though it was a fraud.
Consumer complaint received 2019-06-30
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)

What in the world is happening here that my concern was not attended by Equifax and XXXX!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report
Consumer complaint received 2019-06-30
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)

I recently had incorrect information removed from all three of my credit reports in XXXX of this year. XXXX, Equifax, and XXXX  all removed a debt that was NOT mine from my reports. XXXX XXXX XXXX was reporting a debt from XXXX that was NOT mine. I have NEVER lived in a XXXX area and I've never had their services. Some woman with my name lives in XXXX ( a XXXX area ), and I assume it is hers ... as Equifax falsely has the XXXX address as one of my former addresses ( added this month -- even though I have lived in my house for 5 years ). Now, the debt was sold to XXXX XXXX XXXX and it has landed BACK on all three of MY credit reports. Equifax never lets me into my online account -- EVER. So, I can not dispute online. I filed another dispute with XXXX  today. XXXX 's site is down. I can not fight this every time it is sold. XXXX XXXX was told they couldn't collect ( as it ISN'T MINE ), so they SOLD it to XXXX  and they've added it FALSELY to ALL of my reports again -- just 4 months after I had this resolved. I have NEVER had an account in collections -- EVER and it is ruining my credit score. Some woman in XXXX didn't pay her cable bill and I'm being punished for it. I want this debt removed for good from ALL three repositories.
Consumer complaint received 2021-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX admitted to selling my information without my permission to Midland Credit Management. Both businesses refuse to validated, and this not my account. The address, XXXX XXXX XXXX, XXXX, Ga XXXX, is I never lived and on farther investigation it is a hotel ( business ). This is really affecting my quality of life and I would like it off my credit report now. More than investigation in the matter I seen that my rights were violated based on FDCPA Laws as follows : 15 USC 1692, 1692a ( 3 ) Definition of a consumer as any natural person obligated on or allegedly obligated on a debt ; 1692 a ( 5 ) Definition of a debt as an obligation for money, goods, insurance, or services for primarily personal, family or household purposes ; and 1692 a ( 6 ) Definition of a Debt Collector as collectors, collection agencies, etc
Consumer complaint received 2023-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Farrell Holdings, LLC (CA)

From XXXX XXXX Pac Auto Finance has been charging me gap insurance even though I have provided them with insurance on several occasion. They reported this to my credit bureaus for a year causing false reporting to the credit bureaus. Even though I paid my monthly bill due to the extra fees it reported for a year only {$1.00} to the principal. The additional fees cause my credit to spiral in repetitive false reporting. I forward my insurance on several occasions and has the insurance company to forward via mail and fax since XX/XX/XXXX. 

I forward the company a letter XX/XX/22 requesting all fees to be removed and was meet with threats of non removal of fees for requesting all contract and removal in writing via mail. I have yet to receive this information and now the car in in default with the threat of repossession. I am low income and this has cause an extreme hardship to my family.
Consumer complaint received 2019-06-30
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. (WI)

I have many complaints about how I was mislead by XXXX and how naive I was when I attended college over a decade ago. Between XXXX XXXX, XXXX, and XXXX I somehow ended up with XXXX in debt for an XXXX XXXX in XXXX  Studies which I can't even use because no one will hire me with an online degree. I am currently in the process of the borrowers defense review however, XXXX has refused to allow me to consolidate my loans and has reported over XXXX loans which I am confused about why there was ever more than XXXX lender. I haven't been able to do anything in life get a home or car, nothing. Its been XXXX, I've even recently had to start claiming XXXX   on my XXXX just to bring home enough money to eat. I've never been able to catch up on medical bills or anything else and have always worked full time. I've XXXX  my XXXX and had XXXX from simply working too much. Right now the Dept of education has deferred my loans until XXXX or something while they review and yet, XXXX hasn't stopped negatively reporting to credit agencies and I can't get even a credit card. All of my debt is from going to college and having kids. I wasn't irresponsible and I didn't max out credit cards. I'm so tired of struggling. Please help, I've been waiting a year for my borrowers defense decision.