davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
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. (CA)

I faxed, emailed, and uploaded all of my information regarding the Identity theft as instructed by the CFPB and none of the bureaus have responded AT ALL. Transunion sent me a letter refusing to do the investigation alleging that I wasn't me! even though I followed the FCRA instructions to the letter. I called Transunion and it turned into a sales pitch to buy there protection or their monitoring service. This should be illegal I read and learn how to follow the proper channels and the decided that unless I pay for their service Im just stuck by definition this is extortion. The big 3 bureaus have an immense power and they seem to have no police except YOU the CFPB. I need these bureaus to follow the rules and not just decide that they are not going to investigate because the form I filled out and the letter I wrote came from the internet. I choose the words that the FCRA said I should use, What is a consumer to do?
Consumer complaint received 2022-03-07
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. (NJ)

My XXXX credit report shows hard inquiry since XXXX  which should be removed from my report by now My XXXX score is frozen on XXXX score and never grow I need full detailed explanation for why my score is never go up however I use 30 % of my credit limit and always pay on time I need a full explanation as because of that Im not able to get approved for conventional Mortgage and Im stuck with an FHA loan that is refused by all sellers I need To know what is the error and why my score is frozen on XXXX score even my payment history is great.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

On XX/XX/2021, a bank cashier 's check in the {$1700.00} was send to Shellpoint Mortgage Servicing, by XXXX Overnight Priority and was delivered on XX/XX/2021 at XXXX at the location of Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX SC XXXX. The payment for XX/XX/2021 was a XXXX XXXX  Cashier 's Check dated XX/XX/2021 and check number ( XXXX ), was shipped on XXXX XXXX by XXXX and delivered on XX/XX/2021, which was signed by Mr. XXXX XXXX at the Mailroom for Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX, SC XXXX. As of XX/XX/2021 the payment for XX/XX/2021 still has not been posted to Mr. XXXX account. A follow up call was done on XX/XX/2021 at XXXX by the homeowner Mr. XXXX , per a telephone conversation with a Shellpoint Mortgage Servicing Customer Service Agent named XXXX , to follow up with the whereabouts of Mr. XXXX XX/XX/2021 mortgage payment has not be received. Mr. XXXX stated to the customer service agent that the XX/XX/2021 was delivered and signed for by a Mr. XXXX at the Mailroom for Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, SC XXXX. The customer service agent informed Mr. XXXX, to send in a letter of inquiry and proof of payment. 
As of XX/XX/2021 Mr. XXXX fax all documents of proof of payment to Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX, SC XXXX. The purpose of this complaint is to make Shellpoint Mortgage Servicing a accountable for the misplacing customer 's mortgage 's payment, when the customer ( Mr. XXXX ) has showed the burden of proof the payment in question ( XX/XX/2021 ).
Consumer complaint received 2020-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

I opened a XXXX XXXX  account in XX/XX/XXXX and accrued {$43.00} of charges. I paid that in late XXXX online via checking acct info that I provided. The account then showed it having been paid. I went in later and it showed the amount still due. I called them in late XXXX and they said that they either tried ( they couldnt say ) to pay the balance via the account number that I gave them or with a debit card ( they are both linked to the same checking acct ). They read off the checking acct number on file and I said that it was correct. They ran it and said it worked. That charge of {$43.00} was then taken from my account on XX/XX/XXXX. A day or so ago I received an e mail from XXXX  stating that my statement was online. There were XXXX and XXXX statements there ; the former again showed the {$43.00} owed and the XXXX unavailable. I had it with all of that mismanagement and called them to cancel my card on XX/XX/XXXX. I was then informed that there was a {$25.00} bounced check charge on that account. I explained everything to them and they said that they could not remove it. They threatened to keep charges accrued forever on that unpaid balance. I went to a supervisor and she told me the same thing. They did not say that I was at fault, nor did they admit their wrongdoing, they simply said that the charge would remain. 

So I have been wronged and threatened and hope that you can help me. 

XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.
Consumer complaint received 2022-03-07
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. (NJ)

My XXXX  credit report shows hard inquiry since XXXX which should be removed from my report by now My XXXX  score is frozen on XXXX score and never grow I need full detailed explanation for why my score is never go up however I use 30 % of my credit limit and always pay on time I need a full explanation as because of that Im not able to get approved for conventional Mortgage and Im stuck with an FHA loan that is refused by all sellers I need To know what is the error and why my score is frozen on XXXX score even my payment history is great.
Consumer complaint received 2020-12-23
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-04-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (OH)

My property was included in a Chapter XXXX bankruptcy in XXXX XXXX and sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. Shellpoint began 'servicing ' the loan on XXXX XXXX XXXX. They never contacted me to tell me they were now the servicer of the loan nor did they ever send me a bill. They then reported the loan 180 days delinquent to the credit agencies XXXX XXXX. 
After being denied a credit card in XXXX XXXX, I checked my credit report and found 'Shellpoint Mortgage Servicing on it. I contacted them and they said they were not trying to collect on the debt, but that they simply " servicing the loan according to the original agreement '' and were " protecting the creditor 's rights ''. Therefore they would not remove the entry on my credit report. 
My understanding is that a mortgage service company must make a 'good faith effort ' to contact the consume to avoid this type of situation. 
I think the laws regarding companies buying bad debt years after its discharged in a bankruptcy need to be addressed. If it was n't allowed these things would probably not happen in the first place.
Consumer complaint received 2019-11-06
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. (FL)

Experian has consistently reported a much lower credit score ( XXXX ) as compared to XXXX ( XXXX ) and XXXX ( XXXX ). I ordered all my credit reports which showed nothing but excellent with all my creditors ( no negative remarks at all ), in fifty years! 

I have now tried four times ( Experian complaint # XXXX ) to get them to explain why they report a much lower score, but they have refused. The do respond, but with a canned letter, that does not address my questions. The Federal Trade Commission referred me to you, the CFPB, stating that you have authority over them. 

I have worked hard all my life fulfilling all my credit obligations with excellence. It is not right for Experian to report scores not consistent with an excellent record, especially when the other two credit bureaus are reporting excellent scores, and, using the same reports.
Consumer complaint received 2022-03-07
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. (CA)

Under the Consumer Financial Protection Bureaus website there is an article on loans and the differences between a retail installment sales contract and a loan. The article addresses some confusions that the credit reporting agencies have on the difference between the two the article states " A retail installment sales contract agreement is slightly DIFFERENT from a loan '' See EXHIBIT A. A LOAN is a transaction between a consumer and a bank or other lender for MONEY, where you use the money to purchase a vehicle and agree to repay the loan balance plus interest I never received any money from anyone. A RETAIL INSTALLMENT SALE CONTRACT, on the other hand, is a transaction between consumer ( me ) and the dealer to purchase a vehicle where I agree to pay the dealer over time, paying both the value of the vehicle plus interest. I have provided proof showing my transaction was not a loan but retail installment sale contract see EXHIBIT B, you can clearly see the amounts and monthly payments match from exhibit B to exhibits C and D. Exhibit C provides the inaccurate credit reporting being done by XXXX where they have mislabeled the type of transaction that occurred to an AUTO LOAN. You can see the same inaccuracy being done by Experian where they have labeled the transaction that occurred to an AUTO LOAN as well. Both Experian and XXXX are reporting inaccurate which is a violation pursuant to federal law and must delete the accounts from my reports immediately.
Consumer complaint received 2018-08-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Choice Money Transfer, Inc. (MD)

I used an agent to transfer money to an account in XXXX on Friday XX/XX/17. Till date funds never showed up in recipients account. I contacted Agent of choice money transfer in New Jersey XXXX a subsidiary of ( small world financial service group ) today to ask for proof of transfer, they insisted they cant help me unless i provide recipients bank statement. I have spent numerous of my productive hours on the phone to no avail.The supposed recipient sent me a screen shot of their account i also spoke to an accounting officer who confirmed the money never made it into her account. 
Choice bank have been having me do the run around hanging up on me and constantly transferring from agent to agent. A receipt form the transfer agent has been attached for your verification. 
I have a right to receive a document of how the money was transfered out of their account
Consumer complaint received 2022-03-07
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. (SC)

I have been disputing fraud items on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify the items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 

XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX  XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$87.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX 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 XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-03-07
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)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.
Consumer complaint received 2022-03-07
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)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.
Consumer complaint received 2022-03-07
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. (NJ)

My Experian credit report shows hard inquiry since XXXX  which should be removed from my report by now My Experian score is frozen on XXXX score and never grow I need full detailed explanation for why my score is never go up however I use 30 % of my credit limit and always pay on time I need a full explanation as because of that Im not able to get approved for conventional Mortgage and Im stuck with an FHA loan that is refused by all sellers I need To know what is the error and why my score is frozen on XXXX score even my payment history is great.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (FL)

Received Statement closing date XX/XX/XXXX with {$38.00} credit balance and {$370.00} in cash reward balance. Try to used the card and didn't work. Called the Paypal Credit card customer service and was told the credit card has been cancelled. When ask about the cash reward, customer service says it is gone because we cancelled the credit card! This credit card has a credit limit of {$16000.00} and was only approved 3 months ago. I nicely requested please send the reward cash as I didn't close the account and was told they can't since it is closed and they can close account for any reason. I guess they can also close account based on race and gender then. Received letter stating " indicative of high risk of failure to pay '' as why account is closed. 
Let 's look at this in detail, of the 3 months I received statements before cancellation of the credit card, the balance at statement closing are XX/XX/XXXX {$920.00}, XX/XX/XXXX credit of {$70.00}, XX/XX/XXXX credit of {$38.00}, XX/XX/XXXX balance of {$0.00}, XX/XX/XXXX balance credit of {$26.00}. I have attached all 5 statements for your review and credit score of XXXX excellent from their website. 
I find it impossible to state the account was closed due to high risk of not paying where the 5 month statement balance average is {$150.00} with a credit limit of {$16000.00} and credit score of XXXX. That is 1 % credit usage on this credit card for the life of the card. If people are getting their accounts closed using less than 1 % credit usage and XXXX credit score, the 99 % of all consumer credit cards would be closed. The reason stated for closing account is not justified.
Consumer complaint received 2022-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I recieved an email in my junk files from a debt collection agency named Resurgent Captial Services in XXXX of XXXX stating that I was given a credit card with XXXX XXXX XXXX in XX/XX/XXXX and was closed on XX/XX/XXXX. They say the charge-off amount was {$440.00} and went up to {$600.00} with interest. I'm guessing that the debt collection agency added thier own interest because they say I owe a grand total of {$700.00}. I asked for a DEBT VALIDATION LETTER and which I recieved some sort of vague printout on XXXX XXXX and I responed with a DEBT VERIFICATION LETTER disputing the debt. I sent the letter via certified mail but made the mistake of not asking for a return receipt request. Resurgent sent me another printout and I once again sent a debt verification letter in XXXX of XXXX, this time with a return receipt request. From XXXX of XXXX to XXXX of XXXX it has been the same. I've also informed them of the STATUE OF LIMITATIONS involving the debt in question but they keep sending me the same printout. I sent a cease and desist letter in XXXX with another return receipt request and recieved yet another printout. By law they're supposed to either drop the case and move on or tell me what type of legal action they plan to take against me.
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim 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 enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Silverman Theologou, LLP (CA)

I disputed an account with Silverman Theologou , Llp and I received no response. I have documentation to show I disputed the debt and they never marked the account disputed which is a violation under 15 USC 1681 S-2 responsibilities of Furnishers of information to consumer reporting agencies. Section ( A ) mentions that its the furnishers duty to provide accurate information. Under 15 USC 1681 I5 which mentions the treatment of inaccurate or unverifiable information. The account needs to be removed because the information is inaccurate based on the information I provided above.
Consumer complaint received 2018-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Please view all enclosed attached documents and take appropriate steps to have bank and all re comply to the standards set forth for the protection from online consumer thefts. 

Initially noted theft XX/XX/2001. 
XXXX, XXXX provide more details with dates and time stamps. 
Because of difficulty with Ofcr. XXXX of the XXXX XXXX, PD, other venue is being sought out to expedite prosecution.
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (MO)

We fell behind on payments for a minute after I lost my job. We have been playing catch up on it and we noticed as we are paying the past due balance wasn't going down. on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I made {$100.00} payments on a balance of {$470.00} and none of those XXXX {$100.00} payments reduced the past due. XXXX I contacted the company we were told it all went for interest instead. I requested all payment history and any other document including contracts from them and have been denied and ignored. We also noticed none of the payments made since XX/XX/XXXX have come off the balance either. They have also blocked me from logging into the website I tried to log in and make another payment on XX/XX/XXXX and XX/XX/XXXX and was met with I have to call them.