davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (OR)

For the last few years I have been reeling financially due to the pandemic and rising prices in rent. 

Not to garner sympathy but just to explain, I dont have folks ( parents ) and began my fXXXX XXXX XXXX XXXX XXXX XXXX  XXXX right as everything fell apart. 

To boot, as I began working full time to cover new expenses, my ability to attend XXXX dwindled. 

I was then charged an exorbitant amount of money for lack of participation despite having no choice. This is STILL preventing me from applying to colleges or receiving my transcripts to this day. 

While not exactly what I planned on reporting, I found mentioning this to be important as for the years following I was in bad shape. I even had to sell my car to pay rent after being booted from school. This is where U.S. Banks XXXX  fees come into play. 

Given my financial situation I have watched U.S. Bank skim at least a XXXX XXXX out of my account. Be it through tricky pending purchases or magically having a charge change dates a day before Im paid.

I guess Im just curious if Ill be able to retrieve those funds when the new law takes effect or if I have any recourse. Ive spent so much time with a negative bank account and only because of their fees accruing hand over fist. They recently closed my account due to lack of funds and I have bills accumulating after being priced out of my apartment again. 

Its overwhelming and Ive no other options. 

Thank you for taking the time to read this, I tried to make it as pleasant and brief as possible. 

XXXX
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2022, I mailed a certified letter advising Synchrony Bank/XXXX XXXXXXXX XXXX of the dispute I had with XXXX XXXX XXXX in the amount of $ XXXX $ XXXX {$61.00}. I sent copies of the emails that XXXX XXXX sent me stating the discounts that they applied to my account, but never applied these same discounts to my credit card. 

I informed the bank that they needed to cancel the original credit card and issue me a new credit card and not to accept any more charges from XXXX XXXX to my account. As of today, they still have not resolved this dispute and credited my current credit card. 

On XX/XX/2022, I noticed on my XXXX statement that XXXX XXXX had charged on my new credit card {$48.00} on XX/XX/2022, and {$48.00} on XX/XX/2022 ; neither of which had been authorized by me. Immediately, I filed a new dispute requesting a full refund in the amount of {$12.00}, {$48.00} from XXXX, {$48.00} for XXXX, and {$48.00} for XX/XX/2022 = {$150.00}. This company has done nothing but steal from me and Synchrony Bank is enabling them to continue this theft. 

On XX/XX/2022, I phoned Synchrony Bank customer service and was told by their representative that I should not have closed the original credit card and opened a new one because it confused the system. I told him that was a bunch of * % #! And to close this new recent account and send me a new card and do not allow ANY MORE CHARGES TO MY CREDIT CARD AT ALL!!! The reason I asked for a new card was to keep XXXX XXXX from accessing my account and making charges without my authorization. And this bank totally ignored my request and allow them to charge twice on my account.
Consumer complaint received 2022-04-12
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. (TX)

Two months ago I checked credit reports from all three agencies. The department of education student loans that were forgiven two years ago or still listed as open by all three bureaus. Called department of education. They said they would notify all three bureaus that my balance was XXXX and the account was closed. Equifax did not get this information, they claim, and my credit score is XXXX points lower than it should be. The auto loan I am taking out today is based on todays score. Equifaxs is wrong. I will be forced to pay I hire interest rate for my loan because this information was not corrected two months ago.
Consumer complaint received 2018-07-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

Since XX/XX/XXXX ; we have had no success with Shellpoint Mortgage Servicing in trying to ascertain a modification. Nonetheless, their primary duties are debt collection ; and now they are trying to foreclose on XX/XX/XXXX. However, the Texas foreclosure procedures attached for homeowners stipulate " home equity '' loans foreclosure procedures are to be conducted " judicially ''. However, Shellpoint Mortgage Servicing is violating our rights by trying to foreclose " non-judicially '' ; and keep talking about they are relying on the deed of trust when we have not received any bills for the deed of trust and thus is not delinquent. Moreover, XXXX  is not the trustee for the deed of trust but of the XXXX ; asset backed home equity loan. This is why it is crucial for homeowners to have a judicial hearing ; Judges makes split decisions in these matters not the lender ; because Shellpoint is falsely stating a new contract is not required for a home equity or line of credit ; they are not expert in these matters and a Judge needs to make that determination not Shellpoint. Also Shellpoint 's notices of sale are completed improperly ; they do not list the substitute trustee 's address ; or list Shellpoint 's name properly as seen in the attached ; which should read : XXXX XXXX XXXX, XXXX dba Shellpoint Mortgage Servicing. Shellpoint is trying to railroad us into an illegally foreclosure ; all because as debt collectors they refuse to verify debts as required by FDCPA. Also, Shellpoint is stating 12 CFR 34.83 ;  does not apply to them ; they like to pick and choose which statutes they will follow and we need court intervention.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (MO)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already bring this to your attention to remove this fraudulent and inaccurate reporting that is hurting my credit score for several times. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Only your bureau is reporting this inaccuracy! 

Here again is the incorrect information being reported : XXXX  account : XXXX balance : {$1400.00}
Consumer complaint received 2018-12-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KINGS CREDIT SERVICES (CA)

I have a collection from Kings Credit Service Account number XXXX balance is showing {$27000.00} on XXXX and {$460.00} on XXXX and not reporting on XXXX. can you help me out please. can you remove this account from credit report. 
Thank you XXXX.
Consumer complaint received 2019-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: First Data Corporation (MI)

Company put a hold on my sons account..called they told me to fax documents..said it would take 2 to 3 business days..waited almost 2 weeks..called back company said they needed more information emailed information from my phone..while on phone with them..was told to send thru email so they said I had to call right back so I did they had me on hold for 25 minutes..finally got someone on the phone was told they were closed then she hung up the phone on me
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

I received my escrow statement from the mortgage company that acquired our new loan from the originator bank. The escrow statement had my escrow shortage at {$840.00} and listed my county property taxes at {$4200.00}. This was going to increase our mortgage payment by {$280.00} a month. I knew that the county taxes were incorrect. I contacted the mortgage company and told them it was incorrect on XXXX XXXX. They told me to contact the county and then it should n't be a issue. I did this and even printed out the current county tax bill which is only {$2100.00}. I then called the mortgage company back and told them. They advised to fax the bill in and they would tax care of everything. I advised I was trying to take of this matter prior to XXXX XXXX when the next bill would be due. I called back every few days and kept getting the run around that someone was working on it and that they did receive my tax bill. I continued to do this until around XX/XX/XXXX when a rep advised that the case was closed and that they were n't going to do another escrow analysis until the next cycle, which would be XXXX 2017. I told them I was n't going to be paying double my county taxes for the next year to only get a refund in 2017. I knew that they could fix this. I 've been with another mortgage company for over 7 years. So I requested to speak with a manager. A manager finally called me back late that evening. She acted like she understood me and that she was going to get everything fixed. I 've since spoken with her a few times and each time have to re-explain the issues. Today XX/XX/XXXX, she called me back and thought that my complaint was that I had to pay the {$2100.00} on top of the {$4200.00}. I again explained I was being charged double and wanted to get the payment corrected so that I could make my regular monthly payment amount. She again advised that she was trying to get the issue fixed and waiting on new people. 

I feel that they are n't understanding what is needed to be fixed and that this is just going to continue.
Consumer complaint received 2022-04-12
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. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

I was assigned with a point of contact by Shellpoing Mortage / NewreXXXX when I started the Forbearance plan due to the pandemic, and during that time I was given misinformation or no information at all which caused several times to lose my home on a foreclosure, or reported to my credit when I had rights to be on a forbearance like any other customers. The assigned point of contact was never able to be reached over the phone so it was always an email which is also the response time went from a week to several weeks before I can even make important decisions on my mortgage. Many times the response was immediate when I filed a complaint with the CFBP. My basic rights was denied to continue on forbearance when I was out of job struggling to make the payments like any other residents of US. Instead of 10 months timeline they only gave me a 9 months and they still havent answered why they gave me only 10 months, and during this time they sent people through the website I had my home for rental to do an assessment ( it was at the 7th months of being on forbearance, I was never able to get even a single response from the website I posted my property for sale or rent which I believe is intentional to make me lose my home on a foreclosure. During this time I was suggested to apply for a loan modification by a representative so I sent all the information and left out of country for a short visit for an emergency but they never started the loan modification and also the assigned point of contact never worked on my file to have me on loan modification or on a payment plan and repeatedly asked for my income and expenses even after I gave that information more than once. I also requested for a payment plan which added over {$500.00} to my regular monthly payments so I end up selling my property in XXXX to pay off the dues and brought to loan current so that it wont be reported to the credit bureau but until this date they haven't taken me off the payment plan and I am not sure if their intention is to report it to the credit or to delay my next payment to make me pay the late fees or any other reasons that I am not aware of. I spoke to 3 customer service representatives so far and sent 3 emails to remove me from the payment plan as I am not able to make a payment for this month. I was also given wrong information by one of the representatives that I am on a forbearance and I have to make all my payments to make my account current when I explained that I made all my payments 17 days ago.Today is my due date to make a payment without a penalty. I refused to make payment over the phone as I wanted them to make the services available to me like any other customers, and also make my loan current instead of having it as a delinquent status. I would like the Shellpoint Mortgage to explain why they still havent made my loan current even after I paid all the due amount.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Please Delete these accounts XXXX XXXX XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX as several times I've reached out over the phone and your Company has not sent me a proper full investigation as to how these accounts were actually verified. Therefore your in violation of FCRA. According to U.S.Code S 1681a- definitions ; rules of Construction states, Section 1681s-3 of this title, Any report containing information solely as to transactions or experiences between the consumer and the person making the report.
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 2015-12-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Systems International, Inc. (TX)

Well I wrote a debt Validation and I di not receive a response according to the Fair Debt Collections Act and the fair credit reporting act. I ask them for a validation and if they did n't send the proper documents to contact the reporting agencies to remove it. I did not receive any response it has been over 30 days. I believe this is highly unfair and want something done about it.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my 15th endeavor to tell you 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 Balance : {$4900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2022-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I reached Experian by phone last week and spoke with an agent of their company. I got an email from Experian stating See Results of Disputes I had submitted. From that email and report, you can not see what decisions were made if any. I tried the same phone number and 3 others to reach Experian, none will now lead me to a live agent. I tried resolving this by logging into my Experian account, and received a message saying we are having difficulties. I want my credit report fixed, and I want a LIVE PERSON to speak with by phone.
Consumer complaint received 2017-08-28
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. (FL)

The three credit Bureu still showing all accounts closed, paid in full, also have student loan closed due to my XXXX, please somebody help me I am so tired to leading with this problem. 
Cause me hard time and disappointed in my life. 
I need my credit back. 
Thank you very much XXXX XXXX XXXX
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX  inquiry by EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights and inquiries are preventing my self and my family from purchasing my home and obtaining finance. 

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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681n. Civil liability for willful noncompliance ( a ) ( 1 ) ( A ) ( B ) and ( b ) Civil liability for knowing noncompliance XXXX
Consumer complaint received 2021-05-17
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. (NY)

XXXX and Equifax have the same accounts. Why is Equifax credit reporting different point than XXXX. It is not accurate. XXXX should be accurate with Equifax. It's the same accounts. Theses disparities must stop. I attempting to remedy this error by filing a complaint. Hopefully XXXX and Equifax will be on the same page.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Equifax through and by XXXX XXXX is reporting inaccurate information, failure to provide updated information ( last report dates from XXXX through XX/XX/2023 ). There are accounts that list XXXX XXXX and some that list XXXX XXXX. 

I initially filed a XXXX XXXXXXXX in XX/XX/2023 but converted to XXXX XXXX which has since been discharged. All accounts that have bankruptcy status should be a XXXX XXXX 

Accounts should show the accurate status of closed if they are closed. 

The behavior of Equifax and XXXX XXXX is causing financial distress to me.