davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX IN # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF EDXXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/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 XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section 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 t

han seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any
information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, I was issued a XXXX XXXX XXXX  credit card in XXXX of 2021. After never receiving a physical card, I called XXXX XXXX times asking to resend my card, each time I called they told me they would send another XXXX and never once mentioned there was an issue verifying my identity. They then cancelled my card, without notifying me, and closed my account- greatly affecting my credit score. I am a XXXX XXXX XXXX college student and I have worked very hard to get my XXXX XXXX very high- I had it at almost a XXXX. It has since dropped significantly. AMEX admitted fault, and told me that they would love to give me another card and open a new account. Others told me that they would Re-Open the card so it doesnt affect my credit, but then they hang up on me. I now have a {$1200.00} bill they want me to pay after they dropped my credit score by closing my account and admitting fault. I would like to re-open the closed account so that I can pay off my credit card with them and not have my credit score be affected by XXXX XXXX negligence. I hope you can help! Thank you!
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I have a massive issue with my servicers. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2020. 
I recently had my loan transferred over from XXXX XXXX XXXX who Ive been working with to achieve a loan modification. On or around XX/XX/2020 I received a letter in the mail stating that my loan has been transferred to a new servicer SHELLPOINT MORTGAGE SERVICING. Ive been working and trying so hard for so many years now to receive a loan modification from XXXX XXXX XXXX and before that XXXX XXXX XXXX. And not once have they worked with me and cared or tried to help. 
To this day I have not received a welcome letter from the new servicer Shellpoint Mortgage Servicing. XXXX XXXX XXXX still placed my home on a foreclosure sale especially while the transfer happened. This is not good because it does not give me any time to work with the new servicer to work out options let alone given any time what so ever to have a chance to be reviewed for a loan modification. 
XXXX XXXX XXXX and Shellpoint Mortgage Servicing strategically transferred my loan so that the time frame would just sell my home. 
If XXXX XXXX XXXX and Shellpoint Mortgage Servicing continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.
Consumer complaint received 2020-02-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC. (LA)

I borrow {$350.00} from Check into cash. I have been paying a refinance fee of {$55.00} once or twice a month sinceXX/XX/XXXX until the presence XX/XX/XXXX.Therefore, I have paid at least {$1600.00} XXXX on a {$350.00} loan. This loan have been paid 3 time.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-17
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. (CA)

On XX/XX/2021 experian was sent a notice requesting validation of a debt they are fraudulently reporting The account in question is XXXX Account number XXXX {$2300.00}. 

Experian was given 30 days to provide concrete evidence and all documentation proving the validation of this debt. 

Experian did not provide evidence or any documentation that was requested and is in violation of the FCRA and FDCPA when you can not furnish the validity of the remark.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (IL)

american express will not fix my problem without me getting on the phone, which i can NOT do because i am XXXX. 

Please Call I CAN NOT CALL ON THE PHONE, I AM XXXX The concern on your account can not be resolved online. Please call XXXX at your earliest convenience. 
something is wrong an i am XXXX i can NOT call on the phone!!! 

FIX WHATEVER IS WRONG AND LET ME GO XXXX!! SEND ME AN EMAIL AT XXXX XXXX YOURSELF I AM XXXX!
Consumer complaint received 2021-11-17
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX, and still nothing from them. Negative accounts are still reporting on my account, which means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} Collection : XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX {$1900.00}
Consumer complaint received 2021-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

I got a card in the mail that a order of default was entered on XX/XX/2021 with no info for the reason why this happen only thing that's on it is Judge XXXX XXXXXXXX XXXX case # XXXX XXXX so I sent the plaintiff so far six certified copies starting on XX/XX/2021 requesting all and any bills, validation letters and any court dates to their lawyer XXXXXXXX XXXX XXXX XXXX and to the plaintiff it's been over a month and they haven't sent me the info I asked them for I went to small claims court to see if they can help me find out who's suing me they printed out a letter showing CIVIL ELECTRONIC DOCKET there was no information showing who was suing me only thing on it was a case number and the debt collectors and their lawyer so I was told to file a motion to set aside the default order which was granted so I sent them both copies to show that we have a XXXX  visit on XX/XX/2021 at XXXX XXXX  how am I supposed to prepare my case if I don't know what's going on so I fax and mail the same info last week and I was going to keep doing it until I get it but since the XXXX  visit is Friday so what can I do as far as them sending me what I need can I sue them for not sending me the papers so that I will have time to prepare just in case because right now I have no income coming end my wife gets a XXXX check after the bills are paid on there's nothing left for counsel I tried legal aide but no one has call reach out to me
Consumer complaint received 2020-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

On XX/XX/2020 I wrote a certified with returned receipt letter to Merchants Credit Guide in reference to a bill for the amount of {$1300.00}. As the Fair Debt Collection Practices Act ( FDCPA ) they are not allowed to report this to the credit bureaus until I verified this account. 

My credit report is showing an unverified and invalidated information for the amount of {$1300.00}. As under the Fair Debt Collection Practices Act ( FDCPA ) and the Health Insurance Portability and Accountability Act ( HIPAA ) they are in violation of the act. 

I never received a letter of verification with my signature on it from Merchant Credit Guide to pay them. In addition I requested them to provide me with patient 's authorization signed by me from XXXX XXXX XXXX. Instead they sent me a an itemized bill/charges with all the XXXX information included. Attached you will find what it was sent to me in error.
Consumer complaint received 2020-02-18
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: WELLS FARGO & COMPANY (IL)

I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.
Consumer complaint received 2022-03-25
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (IL)

last month on or around XX/XX/XXXX we went to make the payment which normally had been due on the XX/XX/XXXX for XXXX and we were late on the payment for XX/XX/XXXX from a 2 week off period with no check. Citibank normally will add  some to the payment but it was XXXX and when we went to livechat the woman harassed us and said this would be the payment from now on starting in XX/XX/XXXX without even asking why it had been late. She was unwilling to listen and harassed me and I am XXXX and do the bills for my wife. Now when I went to pay today it had the full amount of over 2000 on the payment. Home depot has been running a hidden promotion with no notice anywhere in the store that if you spend over XXXX it automatically is a promotion and nothing said or posted anywhere about their new hidden scam being shown. The rep was unwilling to work with us to have the payment the same as before and was very hostile so I cut the chat. We want an audit and investigation into their hidden promotions and these btw are illegal and showed up 3 months after the purchase was made in our online payment. Also we are suppose to get a paper bill in the mail each month and they haven't sent one in over 6 months. The payment date is the XX/XX/XXXX and this rep decided to say it was due on the XX/XX/XXXX with no prior notification of the change or authorization or paper bill sent to us informing us of the change.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I received a letter from CapitalOne bank to my name and home address dated XX/XX/XXXX indicating that they have closed my account ending in XXXX. I am not sure what type of account this is, since I have never owned or applied for any account with CapitalOne I called CapitalOne on XX/XX/XXXX at XXXX and explained this to them. They requested my date of birth and social security number and then informed me that they could not provide me with any information since the information I provided did not match their records. They told me this appeared to be some type of " mistake '' but would not further elaborate. 
I believe this is likely a case of identity theft. I am assuming that someone opened an account using my personal information, and would like to report this so it does not adversely impact my credit report. I was unable to get any assistance from CapitalOne in resolving this issue. It is interesting that this is the first correspondance I have ever received at this address from CapitalOne despite them believing I have opened an account with them. I am wondering if there are any other steps I should take to address this.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I Purchased XXXX Sterling Silver Rings From XXXX In A Installment Loan For XXXX In About A Week My Fiance Ring Was Turning And Bending I Then Called XXXX And Complained That The Ring Was Not Sterling Silver And I Wanted My Money Back They Told Me That Was Impossible And That All I Had Was A Warranty For. A New Ring I Stop Making Payments I Eventually Paid Them Off For Some Reason They Put My Debt As A Charge Off And Wont Change The Fact That I Paid It Off
Consumer complaint received 2022-03-25
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. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-11-17
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. (MD)

I am getting very frustrated in regards to my dealing with the stated companies. I have stated my truth about alleged accounts that are being furnished on my consumer report and i feel as though these companies have not done their due diligence in investigating the matter and have failed to give me proper documentation on why and how they came to there conclusion. i believe i have my rights as a consumer and i will like for those rights to be respected by the companies who pledge to respect them.
Consumer complaint received 2021-11-17
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. (MD)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NY)

Today, XX/XX/XXXX, marks the one-year anniversary since I refinanced the conventional home mortgage that was held by RoundPoint Mortgage Servicing Corporation. It has now been 365 full days and I am still waiting for the return of the {$3800.00} that had been held in escrow. The refinance was totally plain vanilla. There were no complexities, and procedurally I did everything exactly right. RoundPoint does not deny this. I have called and emailed RoundPoint no fewer than 25 times over the past year and have wasted at least a dozen hours ( maybe 2 dozen ) over the past 12 months in efforts to get back my money.

RoundPoint claims they sent me a check ( way back on XX/XX/XXXX ). The fact is that I never received that check. They claim it was cashed. I know nothing about it. For months I have been jumping through the many hoops they have put before me ( such as signing affidavits and representations to their bank, etc. ) In XX/XX/XXXX they assigned XXXX XXXX ( Company NMLS ID # XXXX ) as my Customer Advocate Specialist, with a promise that the matter would be resolved promptly. I have called her and emailed here countless times over the past six months. She just says she is expediting the matter and that she is waiting to hear back from their fraud department, or that its still being processed, or asks me to fill out more paperwork ( often the same form yet again ). Recently I got a message that she is transitioning to a new role and now there will be a new point of contact assigned to my case. 

I have nowhere and no one to turn to. I have never seen anything so unfair and poorly handled in my life. Enough is enough. Their treatment of me and my case has been utterly unforgiveable. I honestly believe they are guilty of embezzlement. 
Can you please help me to resolve this matter? 

Thank you.