davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (IL)

Account is closed and paid in full to Collection agency on XX/XX/2022. This account was in fact, fradulently opened, but because I am done with the back and forth, I paid the small balance of {$250.00} in full. I was told by Spring Oak Capital that I would have this debt/collection removed immediately after receiving payment.
Consumer complaint received 2021-03-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (OK)

XXXX I contacted US BANK for assistance due to COVID-19 that affected job hours. US bank did let us skip payments for 7 months and ONLY thing they advised about adding the amount to the end of the loan, but never ONCE explained that this would have to be paid all up front before we can refinance. I tried to refinance with another lender for multiple time and most of them are only going to do 80 % LTV if you do cash out to take care of this extra amount, since I do no have enough equity built in, I am not able to refinance and stuck with this company with HIGH interest rate and they are not willing to help in any way or form or shape. It's very unfortunate that I requested assistance without knowing that we were getting XXXX  over in the end, especially without any knowledge. In addition to 7 month of payments that was behind, they also added escrow balance to that amount as well which is over {$9500.00}. Very frustration for people that are in this situation like myself. Please help US all to get this fixed.
Consumer complaint received 2022-10-19
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-03-23
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: Experian Information Solutions Inc. (AL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have submitted proof to all three credit bureaus that my identity was stolen and accounts where open while I was in prison and to date they have nor will they remove this information from my credit report.
Consumer complaint received 2022-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for these creditors to pull my credit. Capital One Auto Finance ( XX/XX/2021 ) XXXX XXXX  ( XX/XX/2021 ).
Consumer complaint received 2019-04-25
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION (CA)

Hi. I hope all is well. I am writing this letter because I need your assistance in my situation with XXXX XXXX. I have applied for a student loan ( Smart Option ) and have been denied despite of having immaculate credit and high SCORE. XXXX XXXX apparently requests a cosigner but the point is that that I have always been taking care of my own issues and never relied on anyone. Age wise I am young but I am very independent, responsible and as I said I have always taken care of my issues myself and have always been successful. I am very persuasive, persistent and conclude everything that I start. I never leave anything halfway through. I dont understand some policies of XXXX XXXX. Student Loan is for people who are young and want to build a currier for themselves, If somebody has enough income to support a medium or big size loan ( As XXXX XXXX Requests ) why he or she should go to school and create a debt??!!! 

I am very anxious to obtain a loan and create a good future for myself and of course with your assistance I will achieve that. Federal Equal Credit Opportunity Act is very clear about loan issues and I believe XXXX XXXX is in clear violation of the said act when they request cosigner for no particular reason. Please assist me to resolve this issue of loan because I am very anxious to start my classes. I am already late due to this tug of war with XXXX XXXX. 

XXXX XXXX already placed TWO credit inquiries within my credit reports and these inquiries created an impossible situation with other lenders. Other lenders do not see the inquiries very favorable and most probably will deny my demand and if they place their own inquiries in my reports there will be further damage to my credit scores and as a result I will be damaged directly. 

I look forward to a positive outcome and if you need further information please do not hesitate to contact me through this email. 



Best Regards,
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-03-08
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. (NC)

One about XX/XX/2020 I had numerous accounts deleted from my report as follows XXXX/XXXX  # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX  # XXXX, XXXX XXXX  XXXX # XXXX # XXXX # XXXX from Equifax I have reached out numerous times requesting those accounts be reinstated Equifax also sent me 3 separate credit reports stating those accounts are being reported. The problem Im having is when financial institutions are pulling my report from Equifax those accounts are not being reported I signed up for My Equifax credit monitoring online they also showing those accounts not being reported I have contacted them over the phone and have spoken to a supervisor without resolution on XX/XX/XXXX XXXX
Consumer complaint received 2019-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (AZ)

On XX/XX/XXXX I received an email from a Shellpoint Mortgage CSR of Loss and Mitigation for repayment and his emails states as below : Hello XXXX, You requested me to send you an email with the details of the repayment plan. Please see below for details. Please understand Shellpoint will draft the payments and understand it shows the payment is due on the XXXX  but we do give you the entire month to make the payment if you have any questions, please feel free to reach out to me XX/XX/XXXX - {$3000.00} XX/XX/XXXX {$5200.00} XX/XX/XXXX - {$5200.00} XX/XX/XXXX {$5200.00} Thank You, XXXX Loss Mitigation Specialist, Shellpoint Mortgage Servicing and then on XX/XX/XXXX, I reached out to Shellpoint and a XXXX finally called me, because I kept getting the run around. I asked why did they not debit my account. XXXX told me that XXXX was no longer in that department and failed to tell me I had to make those payments, Shellpoint did not set up anything. So, I sent the email to escalations and XXXX as seen below : Hi XXXX Below is the email showing that Shellpoint would be drafting the amounts from my account and it seems that only one payment was drafted. I need to get this paid, and I would like to get this up to date. When I spoke to you, you stated that there was no way that Shellpoint could set up an automatic draft from my account. I am showing you what I was advised by your previous CSR, and  I am not point fingers at anyone, but I would not like to lose my property, as I have my children there, and been there for close to 12 years. I would like to get this reinstated, and as soon as possible. I have scheduled payments through my bill pay to bring this down by the end of XXXX. I scheduled $ XXXX to be paid. Then by have it caught up by XX/XX/XXXX. 
Thank you. 
XXXX I heard nothing from anyone until late XXXX when I received a foreclosure letter, and I contacted XXXX. She did not return my call until the beginning of XX/XX/XXXX. I decided to contact XXXX, so they can help me get help on my mortgage. I provided all documents to Shellpoint online and even XXXX. Shellpoint even called me and requested additional documents and we are not XX/XX/XXXX and I have not received a call from Shellpoint at ALL. I look on their online portal to see what I uploaded and it says, nothing is completed. I have attachments showing where it is there and uploaded too. 
XXXX called them to expedite this information, and they were hung up on several times. I just found out that Shellpoint refuses to help people in saving their homes. They literally ignore you and continue with the foreclosure to resell your home for more money. Shellpoint has a few lawsuits pending already and class action too. We need more. We can't let them continue getting away it! Save my home. 
XXXX
Consumer complaint received 2022-10-19
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. (PA)

I have reported to Experian, XXXX, XXXX that they are reporting in accurate inquires on my report. They refuse to remove the inquiries. They have not provided proof that I approved these inquires on my report. There are no attached accounts to these recent inquires,
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (PA)

I have reported to XXXX, Equifax, XXXX that they are reporting in accurate inquires on my report. They refuse to remove the inquiries. They have not provided proof that I approved these inquires on my report. There are no attached accounts to these recent inquires,
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MA)

I have auto pay with GM Financial. I had the money taken out of my account, but they put the money back in my account. I had fraud done in my account and I had money taken out that was unjustified. GM told me that my payment was made on their site, so I never went to make the payment after. I then straightened out the fraud charges on my XXXX XXXX checking account, but GM Financial still gave me a late payment. Im not sure why I got the late payment and I was not notified that the payment didnt go through. I just want the late payment forgiven. I got autopay to avoid late payments. Im not sure why the site told me I paid when my payment was collected and then added back into my account. It seems like a computer problem on their part.
Consumer complaint received 2022-10-19
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. (WY)

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

All reports and account numbers that are derogatory in nature.

15 USC 1681 section 201 A States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-10-19
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. (MO)

Ive sent disputes to XXXX and trans union to asked them to delete my 2 bankruptcies off my credit since I contacted XXXX  XXXX and the courts and XXXX XXXX have deleted the bankruptcies off my credit and the courts dont report to the credit reports so they need to be deleted per XXXX  XXXX
Consumer complaint received 2021-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

CAPITAL ONE AUTO FINAN XXXX Balance {$0.00} CAPITAL ONE BANK USA N XXXX Balance {$1000.00}
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WI)

On XXXX XXXX the job i did sent wiretransfer for {$1000.00}. I never got it so i called found out 1 number was wrongon the account. So they requested the money back, but chase bank wounld n't respond to them so i waited for over a month asking if they got any responce. they said no. So i went to bank and asked about it and they said the coud n't help. So then i went to another Chase Bank the Mgr. tried to help and found out that the money went to someone elses account. Even she said that sould not have happend. because of their rules If the Name & Numbers dont match then the funds should have automaticly got sent back. but it did not. After 2 weeks trying to get it back and getting permission from the person that took the money because chase said the couldnt do anything. She the Bank Mgr had to call the person and say they have the money by misstake and the person said that the bank could take it back. thats been 2 weeks and the bank Mgr and i talk almost every day said chase still has not taken the money back.It 's now been almost 4 months since i did the job and waiting to get paid.3 months since they sent money but i'm still waiting! I need help to get this resolved
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

There is a student loan from  XXXX  in  XXXX  that has been discharged that still appears on my credit report. There are  XXXX  loans from  XXXX  that were consolidated into  XXXX  loan in  XXXX  but still displays  XXXX  from  XXXX  so indicating I have  XXXX  student loans altogether when I have  XXXX  open. Also ombudsman group advised  XXXX  to remove ALL payment history from my credit for all my student loans prior to  XXXX  when I filed bankruptcy and they still have n't done it. This is negatively affecting my credit dye to it indicating I have multiple closed accts plus and open {$12000.00} acct and still displays payment history as well. They have removed some payment history but not all.
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

There is a student loan from  XXXX  in  XXXX  that has been discharged that still appears on my credit report. There are  XXXX  loans from  XXXX  that were consolidated into  XXXX  loan in  XXXX  but still displays  XXXX  from  XXXX  so indicating I have  XXXX  student loans altogether when I have  XXXX  open. Also ombudsman group advised  XXXX  to remove ALL payment history from my credit for all my student loans prior to  XXXX  when I filed bankruptcy and they still have n't done it. This is negatively affecting my credit dye to it indicating I have multiple closed accts plus and open {$12000.00} acct and still displays payment history as well. They have removed some payment history but not all.
Consumer complaint received 2022-10-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC (WI)

The last week of XXXX my mother was contacted by Radius Global debt collection agency about a debt that I have with them. They told her about my information and debt, yet never spoke to me.
Consumer complaint received 2022-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

I am a victim of identity theft. Someone opened a fraudulent account using my mame. A debt collector is list on my credit report " Midland Funding LLC '' I need help removing this fraudulent account because Its not my account.
Consumer complaint received 2019-06-27
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. (CA)

To ordinary persons, a bankruptcy discharge is commonly known as " a court order issued at the end of Chapter XXXX or Chapter XXXX case that relieves a debtor from their obligation to pay a debt. '' Nothing in Bankruptcy Court Case No. XXXX, even remotely suggests a bankruptcy discharge happened in that case. The only response XXXX  has provided is " a bankruptcy discharge remains on the credit report for up to ten years '' per the companies policies.
Consumer complaint received 2021-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. This company, AARGON AGENCY INC, has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : AARGON AGENCY INC ( XXXX XXXX XXXX ) XXXX XXXX, XXXX {$150.00} ; AARGON AGENCY INC ( XXXX XXXX ) XXXX XXXX, XXXX {$250.00}
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (IA)

My home loan with account number XXXX shows it was late for XX/XX/2019 however the account was paid in full on XXXX XXXX, 2019. And closed .How is it possible for the account to be late in XXXX if it was closed on XX/XX/XXXX. 2019?
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (IL)

I have received the most recent statements dated XX/XX/22 and XX/XX/22 from Truist Bank for accounts that were fraudulently opened in my name. I do not live anywhere near this bank 's location and have never even stepped foot into a Truist Bank nor visited their website up until I started receiving these fraudulent statements in the mail. I have called Truist Bank 's customer service to report the fraud and am now be threatened with collections because the accounts have been " charged off, '' and the bank is telling me that I owe them for overdraft fees on an account that I DID NOT open.
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: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following account need to be removed : XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately