davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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)

On XX/XX/2022 I submitted a dispute to Experian about account XXXX XXXX XXXX XXXX XXXX reporting inaccurate information. XXXX XXXX XXXX XXXX XXXX was reporting the account as closed/collection account never late. I informed Experian that the account with XXXX XXXX XXXX XXXX XXXX was indeed open and was not a collection account. I informed Experian to Delete ( not update ) this account. On XX/XX/2022, Experian updated my report showing XXXX XXXX XXXX XXXX XXXX account open with a paid on time payment for XX/XX/2022. According to the FCRA this is not a accurate report. Experian is suppose to report accurate information at all times. How can the account be open, then closed as a collection account, then back open again? How is this possible? This is not accurate. Remove ( not update ) this account immediately.
Consumer complaint received 2022-12-16
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: U.S. BANCORP (MI)

On XX/XX/XXXX there were fraudulent charges made on our credit card. An account was set up with automatic payment to XXXX for {$78.00} weekly to deliver food. Other fraudulent charges were also made. We finally resolved the issue with the credit card in XXXX and got those charges credited back. This was difficult to do as the credit company kept issuing new credit cards and allowing the new numbers to be given to the automatic pay for the XXXX account. We were told that even if we close the account, the dinnerly company can still charge us on the credit card. 
In XXXX we were charged with a {$110.00} charge from XXXX that is also a fraudulent charge. We reported that on XX/XX/XXXX. The Charge was supposedly made on XX/XX/XXXX. The credit card company gave us a provisional credit on XX/XX/XXXX and then reversed the provisional credit on XX/XX/XXXX. My credit card statement for XXXX has a provisional credit for {$110.00}, a charge ( dated XX/XX/XXXX ) for {$110.00}, and a reversal of the provisional credit for wordpress for {$110.00}. Thus I have been charged 2 times for the fraudulent charge. 
I am unable to convince the credit card company that this is a double charge of a fraudulent charge. 
I had a representative from XXXX insurance on the line with me for over 3 hours today to try and straighten this out. We spoke to 6 different people, none of whom could explain what the charges were for. One person actually told me that the reversal of the provisional credit appears as a debit on my account but that is is not a charge and not added to my balance. There is not one person who can help us clear these charges. 
I have personally spent over 80 hours on the phone since XX/XX/XXXX trying to get fraudulent charges taken care of and we still have no resolution. The company has NEVER returned a phone call, even when they say they will and say they have record that they did. I searched my phone calls and there is no call from them. 
As of right now, someone is going to look over the account ( after 6 people already have today ) and determine what happened. Supposedly someone MIGHT issue a credit. I have asked to be called, emailed, and a letter in writing that this account is zeroed out. The account has been closed since XX/XX/XXXX.
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Javitch, Block & Rathbone LLC (TX)

Received Bill of Sale that my account was charged-off ( Original Loan was through XXXX XXXX XXXX XXXX XXXX and purchased by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

File Name and Number : XXXX I do not know what amount XXXX XXXX XXXX paid for the account that was charged-off. As this information was not provided, what was provided was a group of accounts ( XXXX ) and a total of unpaid balances ( {>= $1,000,000} ). 

I request to know what was paid for my debt. 

On XX/XX/XXXX - A letter from Javitch Block LLC was received. 
Javitch Block LLC is a debt collector trying to collect a debt and they are trying to collect on an amount ( {$31000.00} ) that I believe to be in accurate.
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

In the letter dated XX/XX/XXXX ( not from my single point of contact ), Shellpoint states, Note that interest, payments, credits, and other allowable charges may cause the loans balance to vary daily ; therefore, you should contact Shellpoint at ( XXXX ) XXXX to determine the exact balance. 

1 ) Shellpoint agreed with the Texas Dept. of Savings and Mortgage Lending that all communications would be via email.

2 ) Shellpoint is asking me to sign a document of no oral agreements.

3 ) I am supposed to have a dedicated representative. The phone number that I call should not change daily and/or with each correspondence.

Shellpoint asserting that it has answered similar questions is a deceptive trade practice to include buzz words for CFPB and XXXX XXXX to close complaints. 

Shellpoint stated on XX/XX/XXXX, Pursuant to the contractual agreement Shellpoint may collect from the customer any reasonable attorney fees and other actual out of pocket expenses incurred in the enforcement of the contractual agreement. However, upon receipt and acceptance of a completed modification Shellpoint will waive the current Late Charges of {$250.00}. This Late Charge balance is not included in the capitalization. 

Shellpoint spouts words leaving it for the reader to infer a contractual agreement that fits with they are saying. No out-of-pocket fees were incurred for the enforcement of the contractual agreement. 

In the letter dated, XX/XX/XXXX ( not my single point of contact ), it said that the {$14000.00} was comprised of Delinquent interest {$6200.00} Escrow Advances XXXX Legal Fees and Cost {$670.00} Moreover, pursuant to the note Shellpoint must follow all laws. I was affected by Covid and was not more than 120 days late as of XXXX of XXXX. Under CFPB-XXXXRegulation X, the {$670.00} should be deleted from the written amount to be capitalized. It is not valid because no attorney action was taken to collect past due amounts. And it is not allowable. 

Additionally, Shellpoint states, As of the date of this correspondence, the loan is contractually past due for the XX/XX/XXXX, through XX/XX/XXXX, installments. Shellpoint refused to accept payments in XXXX of XXXX. The loan was in a Covid forbearance. Plus, the loan currently in a trial modification until the modification is finalized. 

I still want the modification but the capitalization amount needs to be changed in writing because no oral representation by calling ( XXXX ) XXXX is valid pursuant to Shellpoints own documentation. The property description is still inaccurate. The contradictory escrow language was not addressed. 

I am presenting two months of bank statements and two months of paycheck stubs because this modification has not been finalized and I dont want this to become another issue since it has been over 90 days.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I submitted a dispute in regards to two Address in NY on my Experian Credit file. Experian came back and said it remains and updated and that suntrust reported these addresses that is not mine.I Called XXXX and they verified that they did not report this to Experian of which this address on.I want this deleted because I have never lived in XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX it is listed on my report twice
Consumer complaint received 2023-09-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

Company is still reporting on my credit report and according to New York State this is illegal they can not report after 3 years. This is not even my debt to begin with. I am looking to remove this immediately they have an amount of {$7100.00}.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my deep dissatisfaction and frustration concerning the multiple unsuccessful attempts to remove fraudulent items from my credit report. I believe that these inaccuracies are adversely affecting my creditworthiness, and despite persistent efforts on my part, the resolution of this matter remains elusive. I submitted formal disputes through your online dispute resolution platform, providing comprehensive details and supporting documentation to substantiate my claim for the removal of fraudulent items. Unfortunately, these submissions have not resulted in the desired corrections, and the fraudulent information persists on my credit report. The existence of these fraudulent items has had a severe impact on my ability to access credit, secure favorable interest rates, and engage in essential financial transactions. I have diligently followed the prescribed procedures, including contacting your customer service department on multiple occasions, yet the promised resolution has not materialized. I understand the importance of accurate credit reporting in maintaining the integrity of the financial system, and I am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused significant distress and hindered my financial well-being. In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Furthermore, I request regular updates on the progress of this matter and a clear timeline for resolution. If decisive steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to remove these fraud items in my credit file : 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
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I been going back in forth with Bank of America to get my money back from a claim I filed with them they have been giving me the run around saying that my claim was approved then when I called them they are telling me something different. I been dealing with this situation since XXXX I was ask to give all required documents such I.D, police report and proving documents to get my money back I do that then I be told it is denied. I also have been told they have video footage of someone walking up to the ATM to take money off my card that is not me. I just want what I put in a claim for so I can pay my bills. So in XXXX I filed a police report stating that I was a victim of identity theft and my edd card was sent to different addresses as well as I didnt receive my stimulus checks. I talk to edd didnt know I was approved for edd because different representative would tell me I was denied getting unemployment until I sat on the phone for two hours in them telling me I was approved in that my card was sent to a different address. So I wasnt able to file a claim until XXXX of this year is because thats when I fought out. So I told Bank of America what happen in they tell me I was denied the claim because I waited to long to dispute the charges made on the account. Which is false I didnt know I was approved for Edd because I was being told I was denied for it by different representatives. I feel the people that work for Bank of America are new workers because everyday that I called I get told different things regarding my claim which is not right and people are not really doing their job. Im in the process of being evicted out of my house because of Bank of America not giving me back the money that I put in a dispute for. I just want my money so I can pay my bills and rent in get out of debit.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

Comenitybank/wayfair closed on XX/XX/2021, they closed the account without any notice, I never signed anything and It was their decision and reported to my credit burou with a negative impact in my credit.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/2023
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (OH)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-05-18
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions/consent
Consumer complaint received 2019-11-21
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. (MI)

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Consumer complaint received 2022-05-18
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. (FL)

XXXX complaining on experian XXXX and XXXX after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need XXXX XXXX  credit card to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to XXXX XXXX because i can not identify the correct information on the account and they still refused my police report and also XXXX XXXX  credit card refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i have a fraud alert on my profile for over 5 years
Consumer complaint received 2022-05-18
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. (NJ)

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
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 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

No matter how many times I attempt to correct incorrect information and add person comments they Do not allow and persist on taking the word of the creditor although inaccurate and damaging to our credit. Recent attempts once again failed and rejected. You do NOTHING ... A poor EXCUSE FOR PROFESSOONALS And CONSUMER PROTECTION. You EVIDENTLY never read the complaints just send them out... fact and if you read them how stupid are you? DOES YOUR OFF SHORE STAFF COMPREND ENGLISH? Your software to place the social security number rejects it AS PER HUNDREDS OF PRIOR COMPLAINTS NOTED!!!! .YOU SHOULD BE CALLED THE BFPB BUSINESS FINANCIAL PROTECTION BUREAU ! HERE IS LATEST INCORRECT REPORTYour Report Number is : XXXX Your Investigation ID is : XXXX
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRUIST FINANCIAL CORPORATION (TN)

I submitted a dispute in regards to two Address in NY on my XXXX Credit file. XXXX came back and said it remains and updated and that suntrust reported these addresses that is not mine.I Called Suntrust and they verified that they did not report this to XXXX of which this address on.I want this deleted because I have never lived in XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX it is listed on my report twice
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (IL)

The seller 's agent for our new home, XXXX XXXX, of XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX made an attempt to force us to use his preferred lender Guaranteed Rate, XXXX XXXX XXXX XXXX, IL XXXX. 

XXXX XXXX threatened to cancel our accepted offer if we didn't use Guaranteed Rate. 

In the end we held our ground, but found this highly unethical and very suspicious.
Consumer complaint received 2017-06-29
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. (TN)

XXXX, XXXX and Experian has been run inappropriately, mis-used, Illegally " shopped '' Auto Financing for what was approved for each  company involved. XX/XX/XXXX - XXXX XXXX XXXX XXXX TN - With this company I came to dealership to have them submit potential loan to XXXX XXXX  ONLY but they refused to do so due to % of loan to value because of negative equity. I advised this was to Only be submitted to XXXX XXXX but I received inquiries for all bureaus for XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX date ALL on XX/XX/XXXX -XXXX from company said he did not run it through to anyone yet showed the credit pull through ALL Bureau 's XXXX , XXXX and Experian has been run inappropriately, mis-used, Abused, Excessively Illegally " shopped '' Auto Financing for what was approved for each company involved. XXXX XXXX XXXX TN - They did not only over run my credit for One date but also re-ran it again without my consent, signature or verbal approval. When asking about my paperwork they would be submitting they refused to give me this information. I advised them to only run to XXXX XXXX, XXXX XXXX, or XXXX XXXX when I came in as I am trying to buy a house, On XX/XX/XXXX ,XX/XX/XXXX, XX/XX/XXXX they ran with 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 from company refused any paperwork for any potential deal they may of submitted, refused me copies of anything signed.Refused to show me any " numbers ''
Consumer complaint received 2023-08-16
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Minnesota Office of Higher Education (AZ)

I have contacted the Minnesota office of higher education multiple times informing them that the {$1200.00} debt is not mine. I have repeatedly asked them for proof of my responsibility for the debt. Recently as soon as XX/XX/2023. I have never received any information of where I signed requesting a loan from the state of Minnesota for educational purposes.