davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (IL)

I have 70 unauthorized hard inquires on my credit report. I contacted XXXX filed a ftc report and they refuse to remove the unauthorize inquires. This is my second CFPB complaint. I called 80 lenders like they asked. Please removed these inquries
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Following a refinance of my home in XX/XX/XXXX, my mortgage transitioned from XXXX to Shellpoint Mortgage in XX/XX/XXXX. 
In the past, I have always set-up my mortgage payments for automatic withdrawal with previous mortgage servicers ; however, Shellpoint did not offer that option in my first payment ( s ). 

I attempted to set-up automatic withdrawal in subsequent monthly mortgage payments, but their system would not allow me to do so because I did not pay my mortgage ahead of the payment due date ( they treated as if it was past due at that time ). 

Despite the fact that I elected to receive paperless e-statements, Shellpoint also does not proactively send me my e-statements via email, nor do they send me courtesy reminder emails to make my payments on-time. 

This lack of service makes it extremely tough to remember to make timely payments, particularly during the middle of a global pandemic when I have XXXX kids under the age of XXXX that are all at home because of school closures, and without reliable childcare. 

Fast forward a few months, I made my XX/XX/XXXX mortgage payment 2 days late beyond the grace period and they assessed a {$270.00} late fee to my account. 

At the same time of my most recent payment, I was finally able to set-up my account for automatic payments on the XXXX of each month ( not sure why it worked this time over the other attempts I have made in the past ) ; therefore, this situation will not happen again. 

I have called Shellpoint 's customer service hotline several times, and spoken with several representatives/supervisors explaining to them what I mentioned above, and they are refusing to budge on removing the late fee because they said this situation was not a systematic issue caused on their end. 

It has now become undeniably clear to me that the servicing model that Shellpoint has set-up is intentionally designed to incentivize late fees by not publishing e-statements, reminder emails, streamlined set-up of automated payments, or the sufficient customer service needed to facilitate timely payments of debt obligations. 

This lending practice is predatory, albeit extremely stealthy, but I am truly stunned that they are completely unwilling to remove the late fee especially since I have signed up for automatic payments moving forward to make 100 % certain this situation will not happen again. 
Please help!
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I pulled my credit report and found that there are some items on my report that I dont not recall approving on my credit report. I requesting to freeze my XXXX XXXX, XXXX, XXXX, XXXX XXXX. and any other reporting agency. Please do not unfreeze my report. if the information provided does show my current address ; XXXX XXXX XXXX XXXX, oh XXXX
Consumer complaint received 2022-06-14
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. (FL)

Account Name Account Number XXXX XXXX  XXXX Account Name Account Number XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXXXXXX Account Name Account Number XXXX XXXX XXXX Account Name Account NumbeXXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # 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
Consumer complaint received 2020-07-29
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. (TN)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX Company Inquiry : US SM BUS ADMIN ODA
Consumer complaint received 2019-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My loan, which is being serviced by Specialized Loan Servicing, was charged a fee of {$25.00} on XX/XX/2019. When I called to learn the cause of the charge, the representative told me that I was charged for requesting a payoff statement. While I did order a payoff statement online, there was no disclosure that the request for a payoff statement would result in a fee. This practice of charging a fee without properly disclosing is clearly an unfair and deceptive practice. 

Additionally, when I spoke with the representative on XX/XX/2019, she indicated that should could not log a complaint over the telephone, but rather, I must send a letter. She indicated that she would log a dissatisfaction
Consumer complaint received 2021-04-13
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. (TX)

XXXX XXXX XXXX  is not accurately reporting the balance as {$1000.00} on my XXXX  XXXX Card to XXXX, XXXX, and Experian. I am not carrying a balance on this card. This card has been paid in full.
Consumer complaint received 2020-07-28
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. (AZ)

I've tried writing them to correct the errors on my report or remove the inaccurate tradeline if they're unable to truly validate the information. I have copies of FCRA violations going back almost a year. And all I get from the CRA is Verified as Accurate, and their letters saying they will not investigate this anymore. But clearly anyone can see from the reports pulled from XXXX  XXXX  XXXX, XXXX, XXXX XXXX, AND the Credit bureau itself ALL have incoherent information. I even sent them copies and ask how did they verify, and I got their same response, Verified as accurate, or meets FCRA requirements. I don't think the FCRA allows blatant account errors across all 3 bureaus, considering they ARE contacting the source, they should get the same info right? I have files for proof of the violations, and proof they've dismissed them for months.
Consumer complaint received 2018-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (VA)

I had an automobile accident in XX/XX/2017, where the other driver was clearly at fault. I had to undergo ER treatment at the XXXX XXXX in XXXX, VA ( XXXX XXXX XXXX XXXX, account No. : XXXX ). At the time of the treatment and subsequently, I have provided their billing department the proper information about my healthcare plan - Group Number, ID, phone number, copy of the card. I have submitted this information multiple times - over the phone and via USPS mail. For some strange reason, the ER billing team has failed to submit the claim to my insurance carrier and have chosen to retain the collections agency AR Resources, XXXX XXXX XXXX, XXXX XXXX PA, XXXX, phone : XXXX, my account No. : with them is : XXXX. I believe I have also provided this debt collector with my insurance card, and again, they have failed to submit a claim. They have chosen instead, to harass me with multiple letters and numerous phone calls, during work hours. I have instructed them many time to file a claim with my insurance carrier and they have chosen to ignore me.
Consumer complaint received 2022-06-16
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 noticed several credit card accounts on my credit report that does not belong to me. 
XXXXXXXX XXXX Account Number XXXX... Date the Account was opened XX/XX/XXXX XXXX XXXX... Account Number XXXX... Dated the Account was opened XX/XX/XXXX XXXX XXXX ... Account Number XXXX... Date the Account was opened XX/XX/XXXX
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Marlette Funding, LLC (OR)

regarding previous complaint # XXXX. CFPB contacted Best Egg about this account. XXXX replied based on their investigation I did not dispute the application, whin I emphatically denied ever applying for a loan. I did not ever apply for a loan. My identity was hacked, and someone else used my information to get a loan. they also stated that the validity of the loan was not in question. It has been in question from the very first time I called to inform them that I am a victim of identity theft. they conclude the paragraph with the statement that they are required to report accurate information. They did not report accurate information.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (IL)

I have 70 unauthorized hard inquires on my credit report. I contacted XXXX filed a ftc report and they refuse to remove the unauthorize inquires. This is my second CFPB complaint. I called 80 lenders like they asked. Please removed these inquries
Consumer complaint received 2022-06-14
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. (CA)

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. XXXX account # XXXXXXXX XXXX XXXXXXXX XXXX  account # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2022-07-22
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. (PA)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2017-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

Recently while conducting a monitor of my credit report I discovered that ACCOUNT RESOLUTION SERVI # XXXXhas furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am unaware of the amount due and your bill does not include a breakdown of any fees.
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to ACCOUNT RESOLUTION SERVICES to access my personal medical information from or to a third party. I demand they produce a valid copy or original copy of my signature for my review. I dont remember every having done any business with this company.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (KY)

There is incorrect information on my background check by checker. There have been 3 to 4 years a background check done by this provider with no problem this year a felony appeared on my record which I do not have it says that I pled guilty to a felony I did not. I have been deactivated by my employer XXXX for this felony that is incorrect I have attempted to have this matter corrected with checker to no avail
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Several transactions occurred in XXXX on my account. I spoke to XXXX in the Missouri claims department. I was told a new card can not be issued because due to the fraud my account is in the negative. Its takes 10 days to receive a credit and I need to call back a fourth time to dispute the transaction still pending even though I have already advised they are not mine and then call back a fifth time to be issued a new card whenever there are funds on my card. The security on this card is absolutely ridiculous. This is the forth time they have allowed someone in another country to make numerous transactions back to back. I do not want my funds deposited into this unsecure, unhelpful Bank of America account any longer! Just give me all my money and close this account!
Consumer complaint received 2021-06-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NH)

I have tried to close my account and receive my {$100.00} balance three times. Every time I call them they say they will close it, but then I check online and my account is still not closed. I requested the account to be closed and requested that they return my {$100.00} balance.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: REGIONS FINANCIAL CORPORATION (GA)

This is by far the worst experience using a gas card. My XXXX BP gas account has an additional assessment fee added they call it " purchase fee '' therefore they have added fee 's without clearly identifying the breakdown of the fee. I have made several attempts over 2 months to pay my account balance I only get out source non- English-speaking representatives, which provides a communication barrier on both ends. The website shows un-protected site I could not log in for months I went in circles trying to get into the site. 


It is illegal act under " Undisclosed Fees Under Consumer Protection Law '' Fleetcor is conducting illegal acts against card holders. PLEASE READ YOUR STATMENT carefully. 

the customer service number XXXX, XXXX is pointless NO HELP EVERYONE PLEASE SUBMIT YOUR COMPLAINTS TO ALL Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  This GAS CARD NOT WORTH IT!!!!
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

I deposited my paycheck on XX/XX/XXXX via an ATM at my bank US Bank. It was for a little over {$3200.00}. They told me that the funds will not be available until XX/XX/XXXX. The account is not new - I opened it just under 6 months ago. The account has over 30k in the account. The payroll check in question cleared my employers payroll account on XX/XX/XXXX. I know this because I work in accounting at my employer and have bank access
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, ONLINE
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This XXXX account is hurting my credit score and cauing a negitative inpact on my reporting due to inaccuate reportings this account is paid in full I have a letter from New Jersey XXXX XXXX that proves this account is not delinquent yet this is how it reads on my credit report. Please update status.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VT)

My wife and I share a MasterCard credit card account with CitiGroup ( $ XXXX limit ). My wife and I are each Benefactor Life Members with the XXXX XXXX XXXX and we vote on their board each year. We are sick and tired of Banks such as yours using their enormous marketing power to discriminate against customers based on lawful firearm-related business activities. Stop it or we will close our account with CitiCard. PERIOD! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT ( XXXX ) XXXX
Consumer complaint received 2023-01-05
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)

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the XXXX website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the XXXX  website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00}
Consumer complaint received 2024-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I am an authorized payer for my parent who has a XXXX  XXXX  loan who is serviced by Nelnet. Netnet has provided me with my own " authorized payer '' account that can make payments on my Moms account. 

I am able to view payment history. This payment history DOES NOT include payment date. It also populates {$0.00} as applied to principle and interest. My payment history on my screen adds up to {$32000.00}. When I add up the payments I made viewing my parent 's account, it adds up to {$27000.00}. 

I made a {$1500.00} and {$3000.00} ( {$4500.00} total ) payment that was never taken out of my account and never applied to the principle. I see those payments as successful on my authorized payer screen. On my parents screen, they do not appear. 

As an authorized payer, I am also unable to view account summaries and how my payments have been applied to the loan balance. I am also unable to receive email confirmations for all payments made.
Consumer complaint received 2022-02-18
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. (OH)

The below accounts do not belong to me, I have tried to contact the company and have gotten no where, these account are effecting me negatively XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$7200.00} Payment {$360.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$7000.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$5000.00} XXXX XXXX XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3900.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1600.00} XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX XXXX  XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$0.00}