davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

I applied for a modification and received a letter of approval from Shellpoint mtg dated  XX/XX/19 stating 3 trial payments in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. This is our second home - my husband begins cutting the grass bi- weekly in Late XX/XX/XXXX- he had a serious XXXX XXXX   and was not able to do the maintainance for a couple of months - we returned from Vacation to our home after the XX/XX/XXXXand found that someone had changed our locks, emptied our refrigerator and winterized our toilets and sinks - found a sign in sheet dated XX/XX/2019, a vacancy certification and a management co stating g that if this home is not vacant please call - I called the contractor who immediately helped me, the mgmt co told me that Shellpoint had hired them - I sent a demand letter to Shellpoint stating their illegal use of duel tracking according to the regulation x law - my contact immediately told me the lockbox code to obtain my new keys as my own locks had been changed!! I have talked to legal counsel and have all documentation and papers left in my home - my home clearly could never be considered vacant with family photos and furnishings etc. I felt violated that the mortgage company did this with no consideration to even call me prior to their actions - Today o received a letter from my insurance dated XX/XX/2019 that a claim had been filed for some water damage on the deck/ siding - the letter states date of loss as XX/XX/2019 - I did not file this claim as we are aware of this due to extreme amounts of rain and are planning for repairs. - the adjustor stayed that he couldn t talk to me, that he was talking to the foreclosure Dept - I have sent an email to him for any notice or claim in writing from any other party other than me as I obtained the ins. I have spoken to counsel in regard to all of these unethical and illegal aggressive actions taken by Shellpoint mortgage co - No one should ever experience this!
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I no longer has the vehicle nomore it was sat a fire in I dont see how its missed payment XXXX XXXX my credit when I was told the insurance company wrote them a check the car was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I sent Capital One a Cease and Desist letter, along with an Affidavit of Truth, and an invoice. The company received the letter on XX/XX/2021 and they sent me 2 different letters dated XX/XX/2021. The envelope was in violation of 15 USC 1692 ( e ) ( 1 ). The letter states that Capital One N.A. is the creditor which is in violation pursuant to 15 USC 1692 ( e ). I am the consumer, natural person, and the original creditor not Capital One. They state that they have suspended my charging privileges and restricted my account. Which is in violation of 15 USC 1691 ( d ) ( 6 ). They go on to threaten me violating me pursuant to 15 USC 1692 ( d ) ( 1 ). Pursuant to 15 USC 1692 ( c ) ( a ) I have never given Capital One the written permission to contact me in regards to any debt.

I also received a separate letter the same day from Capital One thats also dated XX/XX/2021 letting me know that they did receive my cease and desist letter however they will continue to mail me monthly billing statements- Violation 15 USC 1692 ( c ) ( c ).
Consumer complaint received 2019-08-06
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. (NC)

XXXX confirmed to me today that there should be no late payment on my account. My loan has been paid in full. I need this removed immediately, as it has erroneously dropped my score significantly. I no longer qualify for a mortgage that I qualified for before this error was reported. I have asked the credit bureaus to investigate, but even though XXXX confirmed via phone today that there was no late payment, it is still being reported on all three bureaus, effectively stopping me from buying a home.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have disputed several charges on my credit report through Experian. I sent a dispute letter on XX/XX/XXXX and was recieved and signed for on the XXXX of XXXX. By law, credit companies have until 30 days to respond. I have yet to receive a response. 

I also send both XXXX and XXXX  the same information an have not received a responce XXXX  was sent a dispute letter on XX/XX/XXXX and a receive was received on XX/XX/XXXX. Attached is the proof of delivery.. Also XXXX was sent a letter on XX/XX/XXXX and I proof of delivery on XX/XX/XXXX.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have disputed several charges on my credit report through XXXX. I sent a dispute letter on XX/XX/XXXX and was recieved and signed for on the XXXX of XXXX. By law, credit companies have until 30 days to respond. I have yet to receive a response. 

I also send both XXXX and Equifax the same information an have not received a responce Equifax was sent a dispute letter on XX/XX/XXXX and a receive was received on XX/XX/XXXX. Attached is the proof of delivery.. Also XXXX was sent a letter on XX/XX/XXXX and I proof of delivery on XX/XX/XXXX.
Consumer complaint received 2022-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have requested payment history at least 4 or 5 times. I continue to receive XXXX thru XXXX. The house was built in XXXX. That's the Originated date. Bank of America is reporting the Originated date is XXXX. There are no documentation for XXXX except my information I receive from closing and the building process. We refinance in XXXX for XXXX dollars. We built our home with the bonus room unfinish. We got the XXXX to finish it. That was the first and last time activity took place on this loan. This loan has 5 different loan no. and 4 different FHA no. I can't get an answer why this loan has so much activity. It has a Partial Claim, Modification, Forbearance, Subordinate Deed. In XXXX the Loan number was XXXX it was change to XXXX. I would think anything going forward from XXXX would automatically be XXXX. That is not the case. I found XXXX loan numbers are XXXX. Then you have loan number where everything is black out except the last 4 numbers. This loan has fraudulent Activity. This is FRAUD!!! ( I XXXX XXXX XXXX give my wife XXXX XXXX permission to speak on my behalf. My name is on the mortgage. XXXX XXXX and XXXX XXXX XXXX is on the Deed. We will not sign any documents for Bank of America )
Consumer complaint received 2021-12-13
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX 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 XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/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 XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma (DC)

I received a promotional offer on XX/XX/2021 to earn {$50.00} for completing a direct deposit into my checking account. 

I completed the terms and conditions of the offer as of XX/XX/2021 ; however, the {$50.00} bonus has not posted to my account. The terms of offer state that the bonus would be posted by XX/XX/2021 ; however, the {$50.00} bonus has not posted as of yet. 

I contacted Credit Karma and XXXX XXXX regarding this matter, but neither firm is responsive and the {$50.00} bonus has not posted to my account. 

I called XXXX XXXX  numerous times on XX/XX/2021 but they refused to speak with me or service the account, and referred me to Credit Karma. 

I spoke with XXXX at Credit Karma on XX/XX/2021 at XXXX and he was unable to assist me other than " escalating '' the case within the organization.
Consumer complaint received 2018-07-08
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: JPMORGAN CHASE & CO. (IL)

There are two credit checks on my report to chase bank that I did not request. 
XX/XX/2017 XX/XX/2017 I dont know what other info you need to research, but chase just brushed me off. I just want them off my report. 

Please help. 

Thank you.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AL)

Experian is reporting a closed collection account on my credit file from XXXX, a collection agency from XXXX, NY, in the amount of {$1100.00} that should have been removed months ago. In XXXX of 2015, due to questionable delivery and notification of the debt and subsequent suit XXXX agreed to close the account and remove it from all XXXX of credit files. To date Experian has failed to remove the trade line. I have discussed this matter on several occasions with XXXX and they assure me that the trade line was coded for deletion and sent. They further say that the error is the fault of Experian. Experian is also making it difficult to dispute this item with them and have taken unreasonable steps to make my dispute even harder than it should be. Unlike the other big reporting agencies they denied my right to dispute the trade line by going on-line or faxing supporting documentation. They required a phone call, which I attempted to make at least a half dozen times only to be stonewalled by complicated phone menus and hold times in excess of twenty minutes. This is definitely an attempt to break the spirit of the federal collection dispute laws. This is unreasonable of them ; XXXX allow on-line or faxed disputes.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (AZ)

I got scammed on XXXX by someone who has tickets but wasnt intending to sell them to me. They got about {$390.00} dollars off of me before they decided they were going to keep my money and the tickets before blocking me on XXXX and leaving me without my money and without the promised tickets
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

On XX/XX/XXXX, my Binance.us account was hacked by an unknown party. They " sim swapped '' my XXXX phone, accessed my account and removed over {$10000.00} in bitcoin from my account. 
The hack was sophisticated. My phone was sim swapped, my email was also hacked and a filter created so that any emails from binance.us would go to trash and I wouldn't see them. 
The next day I noticed that my phone wasn't working. I checked my email during the day and by chance went into my email trash where I found the email notifications of unauthorized access into my account. 
I contacted binance.us who didn't get back to me until XX/XX/XXXX. I just got access to my account today, XX/XX/XXXX to find the hack had taken place. 
Binance says they aren't liable for the loss. If this had happened at my bank, they would've covered the loss. 
Binance.us shouldn't be able to operate in the US without proper insurance in case of consumer loss.
Consumer complaint received 2021-12-13
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX {$71.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-12-13
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX FCU Date of inquiry XX/XX/XXXX XXXX AUTO Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX AUTO Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (OH)

Bank : Truist Account : XXXX XXXX  account Opened the account on XX/XX/2022 with a promotion code XXXX, direct deposited and finished all the requirements for the {$500.00} bonus. 
Last call on XX/XX/2022 for the missing bonus and was told by the representative that they can't give me the bonus because my account was locked and closed by them back in XXXX. 
They also refused to give back the money I have in the account unless I visit a branch ( the closest one is 2 hours ' drive from me ) even though they already closed my account.
Consumer complaint received 2019-09-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

TransUnion has been reporting lates on my XXXX XXXX in XX/XX/2019 for quite some time now. However all of my XXXX  XXXX accounts were in deferment at this time. Other bureaus have already removed the lates but TransUnion refuses to do so. I have attached proof below that these accounts were in deferment and that the lates should be removed.
Consumer complaint received 2021-04-16
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: EQUIFAX, INC. (KS)

I am having an problem with Equifax verifying the information they are reporting my credit report. I sent two letters on my XX/XX/2021 and XX/XX/2021 stating what information was reporting inaccurately and I wanted those items to be verified or deleted. After the first letter some account were deleted which are those crossed out. These other accounts remained on my credit report without any verification from Equifax. Even when those accounts were deleted from my credit report I never received any mail about what was deleted or remain. Being Equifax did not show any proof about these accounts that remain they should be deleted. Equifax has added another account to my credit report yesterday called XXXX XXXX XXXX starting this is an medical collection, I feel my HIPAA rights have been violated with this mark on my credit report.
Consumer complaint received 2019-01-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (UT)

Initially my loan was processed by Sallie Mae, but was sold to Navient. Without my knowledge, Navient consolidated the loans, removing them from Direct Loan status. I am a XXXX XXXX XXXX XXXX XXXX XXXX. When I first started working, my monthly net income was {$1700.00} and Navient was billing me for {$600.00} payments. When I contacted them, they encouraged me to apply for forbearance rather than IBR. Interest was capitalized, raising my loan balance from {$30000.00} to {$52000.00}. I learned about IBR, applied and have been making regular payments for almost 6 years.

I applied for public loan forgiveness and received a letter in response saying that my qualifications had not been reviewed and my application was denied because my loans were not in Direct Loan status. I was also told that IBR pay back is 25 years. 

Additionally, the loan is in negative amortization. I received a XXXX for 2018 indicating student loan interest received was {$5900.00}. This is the exact amount to the penny that I paid during 2018. The loan balance remains at {$52000.00}.
Consumer complaint received 2022-07-05
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. (PA)

in accordance with the Fair Credit Reporting act XXXX Account # 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 2022-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (VA)

Old account with XXXX XXXX where debt was owed in XXXX of XXXX has been paid in full as of XX/XX/XXXX. Debt collection company, Credit Management LP refuses to remove collection and continues to falsely report on credit report as derogatory and seriously past due with no current balance. Attempts have been made to dispute collection and Credit Management , LP continues to report debt as accurate which is simply inaccurate.