davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
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 — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC (GA)

Shellpoint Mortgage Servicing XXXX, SC XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing to have a Late payment that was reported to the credit bureau removed from the credit bureau reporting. The late payment was removed by the representative and I was told that it probably would not be reported to the credit bureau after explaining what had happened. 

However, I am addressing an issue with Shellpoint Mortgage from XX/XX/XXXX of XXXX. Whereas, I called, they called, in to make a payment and come off of the deferred payment status that I was under at the time. The representative informed me not to make a payment because it was coming to the end of allowable deferment and that it could potentially interfere with the repayments being placed at the end of the loan ( to be repaid at the end of the loan ). Of course, I believed this and didnt want to have to pay everything that was deferred back all at once. Then I also attempted to make an Escrow payment and was told the same thing. Upon agreeing not to make any payments I was informed that I shouldnt need to make a payment until XX/XX/XXXX, because processing would take a while to review and complete ( usually within/up to 30 days and that I should receive a letter as well ). 
Now, when I went to make my XXXX payment I was told that I needed to make 2 payments to catch up the loan. I was informed that there had been a missed payment in XXXX and that a letter was sent out to make an XXXX payment. I informed the representative that I didnt get or see a letter and that I had attempted to make a payment that would have covered XXXX but was told not to do that so it wouldnt interfere with the process of placing the deferred payments at the end of the loan. 
I asked that the phone conversation and or transcript be reviewed and they gave me a number to call to get a copy of the conversation/call pulled. Later I was told that they would not give that to me and it would be reviewed internally and a letter sent out. After that I received a letter saying that I was sent a letter out in XXXX telling me to make the XXXX payment, that my status was reviewed and approved the next day. 
I am asking that this late payment status be removed from the credit bureaus reporting status as there is conflicting information being given out. I believe that weve had 1 late payment with Shellpoint several years back prior to this and no more than 2 over the life of this 17 year loan for this property. Especially, since I clearly stated that I was trying to make a payment and was advised against it. I always call in to make my payments. I am asking that the CFPB review the call or transcripts.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

XXXX XXXX  Bankruptcy XXXX XXXX # XXXX In XXXX of 2016, I filed for bankruptcy. Since then the bankruptcy has been discharged and is reporting on my credit reports. 

I sent a letter to the XXXX XXXX XXXX Illinois asking them to verify the information that was reporting to the credit bureaus, XXXX, XXXX and Equifax and the XXXX XXXX XXXX XXXX responded saying that they do not work with any credit bureaus. 

I have previously disputed with Each bureau XXXX, Equifax, and XXXX an in response they reported the information as accurate, stating that the information was verified with each bureau. That has been found not to be true since the courts veriifed that they dont work with credit bureaus. 

I am requesting that this bankruptcy be removed from my credit reports since the courts stated that they do not work with any credit Bureaus.
Consumer complaint received 2022-05-19
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. (MA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC1681 Section602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reportingagency annot furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-13
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: NAVY FEDERAL CREDIT UNION (GA)

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

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

NAVY FEDERAL CR UN XXXX Balance {$10000.00}
Consumer complaint received 2021-11-13
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: Army and Air Force Exchange Service (GA)

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

The XXXX Credit Bureau is reporting inaccurate information on MILITARY STAR XXXX Balance {$0.00}. 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.
Consumer complaint received 2021-11-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

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 USAA SAVINGS BANK XXXX Balance {$1200.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
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 — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (AR)

Specialized Loan Servicing LLC Report My account being Late payments for XX/XX/XXXX. That preventing from qualifying for mortgage loan with XXXX XXXX. Which I never been late. I was paying my attorney to help me to keep my home. Which they advise me to sell my home. Which I agree to sell my home and pay the remaining balance on my mortgage with Specialized Loan Servicing LLC in the amount of {$100000.00}
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

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.

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 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Several accounts opened in my name, provided Police Report, FTC report, and affidavits, and provided the suspects information as possibility. Credit card company keeps coming back and stating it is my account when it is not my account. I have asked the credit agencies to look into this over and over for going on 2 years now, and they keep coming back with its my account. It is destroying my credit its the only negative accounts that are on my report, and they refuse to remove it. I need these accounts removed.
Consumer complaint received 2022-05-19
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. (CA)

I have several inquires on my credit that I did not authorize and need removed as it is detrimental to my livelihood and future. I'm currently looking to purchase a home and viewed a recent report of my credit reports with Equifax, XXXX, and XXXX. Upon reviewing my reports I have identified these Inquiries that weren't authorized : XXXX XXXX XXXX, XXXX, XXXX OF XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX. These inquiries were done without my consent and needs to investigated. I need these Inquires removed immediately as this is affecting my chance to apply for a home loan.
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

I am writing to formally request the removal of fraudulent activities associated with my identity from my credit file. These unauthorized transactions have been erroneously linked to my credit history, adversely affecting my financial standing and personal reputation. 

Upon discovering the fraudulent activities, I took immediate steps to address the issue and mitigate its impact. However, despite my efforts, the unauthorized transactions continue to tarnish my credit report, posing a significant obstacle to my financial stability and peace of mind. 

I kindly request your assistance in expediting the removal of these erroneous entries from my credit file. This action is crucial to restoring my financial integrity and ensuring that I am not unjustly penalized for activities that I did not authorize or participate in. 

I understand that rectifying this matter may require cooperation between your company and the credit bureaus. Therefore, I urge you to take swift and decisive action to resolve this issue and provide me with confirmation once the erroneous entries have been successfully removed from my credit report. 

Your prompt attention to this matter is greatly appreciated. Please feel free to contact me at XXXX or XXXX if you require any further information or assistance. 

Thank you for your cooperation and understanding. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

XXXX XXXX agreed to defer 2 payments on my account with them on two separate occasions. Once in XXXX of XXXX and again in XX/XX/XXXX with no negative credit reporting. This I find out is false, they agreed to the deferments both times and fixed their mistakes once. I contacted them today and was told even though they deferred the payments that they were going to report those payments as late due to their processing times of the deferments. This is totally unfair, why bother filing for an deferment of your payments if the company is going to report a payment or payments late anyway? I also sent them a copy of my wife 's Death Certificate to have my account changed from Joint account to individual account as of XX/XX/XXXX, since my wife passed away XX/XX/XXXX, my account still shows joint account which is wrong.
Consumer complaint received 2019-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (FL)

STATEBRIDGE COMPANY continues to engage in fraudulent and deceptive practices regarding my mortgage # XXXX, NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX Florida XXXX. On XX/XX/XXXX Statebridge sent me a letter finally confirming the proof of insurance I had sent them on numerous occasions, stating the forced placed insurance they assessed me for has been canceled as of XX/XX/XXXX. Statebridge has received mortgage payments from me, on time, in the amount of {$1500.00} each month but has failed to apply these amounts to my account. Statebridge has cashed these checks according to my banking history but has not credited me for them. They have charged me late fees and are now demanding payments they have already received. On XX/XX/XXXX I received my mortgage statement for XX/XX/XXXX and Statebridge continues to charge me for forced placed insurance, continues to charge me late fees for payments already received and HAS NOT credited my account for the forced placed insurance the assessed me in error. THIS GOES BEYOND GROSS NEGLIGENCE OR INCOMPETENCE, THIS IS A DELIBERATE ATTEMPT TO CONTINUE WITH THE FRAUDULENT PRACTICE OF FORCED PLACED INSURANCE. The history of this issue, documented on this website, clearly shows this company, STATEBRIDGE, is acting in deliberate bad faith and should be investigated by the attorney general immediately.
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Uplift, Inc (MI)

To my surprised I discovered that the original creditor has and now sent to the Collection agency has violated both the FCRA and Fair Debt Collection Acts. Originally, Uplift from a previous CFPB acknowledge that this was deleted from my XXXX credit. However, since then they have not only re instated this fraudulent activity. They also, sold this Account to XXXX XXXX XXXX XXXX. XXXX XXXX has without prior notice reported an amount of {$320.00} to my XXXX and XXXX credit report fraudulent as well. I would like to notice the Uplift has act contradictory to the laws. They have harassed me and tried to bully me into providing personal information about myself. It is clear that they are acting in desperation. They can not obtain information to synch me to their claims and they have no written authorization from me that says this is my account. When I refused they became excessive and fraudulent. And they have re enter a deleted non reporting on XXXX. Previous CFPB # : XXXX
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (IL)

I have recently been made aware on XX/XX/2021 that MERCHANTS CREDIT GUIDE CO. has purchased my personal and financial location information resulting in the theft of my identity, and are accusing me of owing an alleged debt that has been paid. This debt is also being inaccurately reported to multiple credit reporting agencies without my permissible purpose and is hurting my financial and personal reputation. They have also harassed and threatened me with multiple inconvenient forms of communication such as phone calls and letters stating that they are attempting to collect a debt. This false accusation of alleged debt owed is inaccurate and is defamation of my character, discouraging, and I do not agree with it.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (IL)

I sent comenity bank a letter stating that they are reporting 2 late payments onto my report which are incorrect and i even tried to send them a goodwill letter.. They sent me a stall letter and i don't appreciate that because i been a member for 2 plus years and i thought they would treat there customers a little bit better than what they do but i get NOT!!!!!!! I'm very upset.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (PA)

i booked a hotel stay through the american express travel portal using my american express credit card. on the travel portal, the specific hotel i booked did not state that an additional {$27.00} per night ( 4 total nights = {$100.00} ) would be charged. the email i received from american express after booking did not state i would be charged this extra fee, neither does the webpage where the booking occurs state there is an additional nightly fee. 

after my stay, i noticed the additional fee was charged. i contacted the hotel to remove the fee and they said the fee should have been disclosed by american express. i called american express and was advised to file a dispute with the merchant, which i did. american express rejected my claim and ruled in the favor of the merchant. 

following the failed dispute, i called the american express XXXX XXXX and filed a complaint with them. i've provided 2 forms of evidence showing i was never quoted this additional nightly expense. 1 ) screenshot of the american express travel portal where to this day if you try to book that hotel again it does not list an additional fee, and 2 ) email confirmation from american express that does not state an additional nightly fee is due. 

the dispute has been rejected under the grounds that i received adequate notice that i would owe the hotel that additional nightly fee. 

american express did not adequately disclose this fee and is now forcing me to pay it. they have rejected my dispute and additional complaint i filed with them. 

please help me.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have unfreezed my credit report numerous times. However, everytime I apply for credit or a credit limit increase I'm declined because they can't verify my credit reporting information. Transunion keeps saying I don't have a payment history. That's not true. I have 3 credit cards that report to all three credit bureaus. Transunion isn't reporting my credit report accurately and I have a bunch of inquiries due to companies not being able to verify my credit information.
Consumer complaint received 2022-05-19
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: World Acceptance Corporation (IN)

World Finance XXXX XXXX 
I have disputed this account because it was opened fraudulently. XXXX is leaving this up to furnisher who is World Finance to decide. I have sent in police reports. And identity theft affidavit. Along with identification. They will not honor this action. 
World finance is saying that original amount was XXXX $ I was unaware of exact amount. The perpetrators obviously got the loan and made a few payments so I wouldnt see it on my credit reports. My identification was stolen. This account is fraudulent. World Finance has asked for a copy of my ID. This has been submitted to XXXX to submit to them several Times
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX XXXX XXXX Account XXXX ( partial ) violation must DELETE Since XX/XX/XXXX, I have been requesting sufficient proof in the file on a debt XXXX XXXX XXXX claim I owe. I have sent multiple letters to XXXX XXXX XXXX demanding sufficient proof within ( 30 ) days on this account they continuously ignore my yet update with the credit reporting bureaus. In accordance with FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. Since they failed to respond to me directly, I asked them to provide sufficient proof using all ( 3 ) credit reporting bureaus XXXX XXXX XXXX has failed again to provide sufficient proof but updated XX/XX/XXXX which is a clear violation of FDCPA 809 ( b ). I demanded all ( 3 ) credit reporting bureaus to 1. Reinvestigate inaccuracy 2. Provide results. have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately. 
have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a in accordance with ( 2 ) violation listed below
Consumer complaint received 2022-10-13
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: SYNCHRONY FINANCIAL (TX)

I have been an excellent customer who has always paid my bills on time. Naturally, I was completely shocked when I noticed my account was reported late to the credit bureaus in XXXX and XXXX of XXXX I do not think I was late during this time, but if I was, it was either because I did not receive my bill or the online payment system was down. I have had problems receiving mail at my address and I have had numerous problems making online payments on my account. On a related note, the payment history being reported by the credit bureaus is wrong, because XXXX and XXXX reports that I was 30-days in XX/XX/2018, and XXXX reports I was 30XXXXdays late in XXXX. This is impossible because if I was late, it would be either XXXX or XXXX, not both. Please see the attached copy of my credit report.