davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My mortgage was just sold to Shellpoint Mortgage Servicing/XXXX XXXX XXXX XXXX XXXX. I wasn't even notified by them or XXXX XXXX loans who previously owned my mortgage. 
When, I finally got setup on their website https : //www.shellpointmtg.com/ and got logged in. I saw a disturbing statement! It says, " The loan is in active bankruptcy. Please contact the bankruptcy department to service this loan. '' Well, I call them XXXX XXXX XXXX XXXX and get put on HOLD and no-one ever picks up! Been trying for 3 days now! HOUR AND HOURS ON HOLD. No-one ever picks up! 

I have never missed a payment in the last 2 years. I hear this company is a crooked foreclosure company. I guess it's true. They won't even answer the phone to rectify my issue.
Consumer complaint received 2019-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

The issue is theres a charge off on my credit reports from the XXXX XXXX XXXX XXXX. My card was lost and obviously found by someone and was used on several occasions ; therefore a charge off was place on my credit report for {$690.00}. I was completely unaware that it was there until months after and the 30 period had passed already, therefore they are keeping it on there and trying to force me to pay it. This is completely unfair. Ive made several, several disputes to Equifax on the situation and it has yet to be removed. The company isnt trying to assist me in any way. This charge off is holding me up financially.
Consumer complaint received 2021-03-09
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: CBC Companies, Inc. (NV)

I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THATINQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSEDI RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIREFROM XXXX XXXX XXXX XXXX ON XXXX. PLEASE DELETE THISINQUIRES. I HAVE NEVER HAD A XXXX XXXXXXXX ACCOUNT
Consumer complaint received 2019-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARS National Services, Inc. (CA)

We opened an XXXX XXXX credit card through XXXX XXXX in order to purchase a couch for {$1000.00} as the promotion at that time would save us roughly {$200.00} for taking the card. We bought the couch, paid the amount in full with one payment, and immediately canceled the card. The account number ends in XXXX and you can verify there will be no further history of purchases. 

Last year I received a letter from XXXX XXXX XXXX stating I owed some money but the letterhead did not appear to match the company logos correctly, nor did the phone number on the letter match any information I had for XXXX XXXX credit. I called my numbers for XXXX XXXX credit, they said I had nothing open with them, and that the letter was spam. I called my phone number for XXXX for their credit department just to be sure, they told me that I had no open account with an outstanding balance in the letter was spam. 

Yesterday in the mail I received a letter stating I have been sent to collections. The amount being collected was {$350.00}. I will attach a photo of this letter. Because it says XXXX XXXX I called my local branch manager XXXX, told her that on the letter there was an account number ending in XXXX, she looked that up and confirmed an amount for {$350.00} being owed. She later explained these charges to be a {$35.00} a month fee for owning the credit card, plus late fees, and plus interest. She says there is no evidence of our request to cancel the card which we made immediately after sending the one time for payment to cover the couch. 

I look forward to your correspondence and will answer any questions you have. Thank you for your help and your time.
Consumer complaint received 2023-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This debt was not taken out by me and I did not receive funding. During that time I was sick, suffering from XXXX XXXX XXXX XXXX. I was on XXXX XXXX XXXX XXXX XXXX. When I realized that loan payments were being deducted from my account, I contacted the company with the phone number listed. i did not receive any communication with regards to a court date. The only corresponding I received is an court order signed by a XXXX, saying that I am responsible for the payments. Please help!
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I looked at my Experian Credit report and found information that is hurting me financially and is also false information. I have several account being listed as " charged off '' meaning these companies should have issued me a XXXX form for tax purposes as the debt has been canceled out and is reporting as income to the XXXX XXXX XXXX I never received such forms from any of the creditors listed below. Since income can not be reported on my credit report then I demand these false, negative items be deleted at once as per the F.C.R.A. 

XXXXXXXX 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 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion and Equifax both incorrectly reported that my SYNC account had an increase on my balance which it did not and has actually had TWO payments in the month of XXXX and XXXX. This incorrect reporting caused my credit score to go down!
Consumer complaint received 2020-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (MD)

I checked my credit account, because I received an alert from XXXX XXXX that I had a debit collection added to my credit. I checked my credit and notice a unfamiliar debt from this company. I filed for bankruptcy in XXXX and it last until I converted it to a chapter XXXX and it was discharged XX/XX/XXXX of all debtors. All my new credit is paid and on time, so I did not take out any credit from this company. Please find out why this company has fraudulent placed this collection on my credit. 
Company name : XXXX XXXX it was placed on my credit XX/XX/XXXX and updated XX/XX/XXXX. 
Midwest Recovery System # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO Bank, N.A. (TX)

Company auto charged me for {$75.00} fee for annual club rewards. This is a Corporate card and I'm no longer with the company and so the account is closing I'm 60 days. 

I've called and requested a partial refund. I was informed that Diners Club doesn't reimburse or prorated these fees. I requested documentation to support that policy. I was talked to rudely from that point and placed on hold for 40 minutes before suspeciously being disconnected.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Date : XX/XX/XXXX at XXXX XXXX. The amount stolen is XXXX dollars. I have just filed a report with Chase Bank on the same day around XXXX ( They are currently still trying to fix the issue ). 

My checking account on chase had an unauthorized transaction that takes away XXXX dollars using XXXX. I got a text message saying that I transferred XXXX dollars to someone, which I have not done. The payment was still pending while I was checking the account online, which I called Chase Bank to try to stop the transaction. They said they filed a report and have me wait for the result, which will take around 8 to 10 business days. 
Below are the screenshots of the email that was sent to me, telling me I added the person to the bank account and that after I filed a reported chase removed my online banking account.
Consumer complaint received 2019-09-29
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: AFNI INC. (FL)

The creditor is XXXX and the collection agency is Afni, Inc and they are reporting to my credit agencies affecting my credit. This is not my  account, I have sent validation letters and several dispute letters, yet this is still appearing and affecting my credit.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is disturbing! The Credit Reporting Agencies are not being compliant with the Federal regulation and continued reporting the disputed account from my Credit File without properly sending me copies of proof of verification or any documents bearing my signature to support the Credit Reporting Agencies claim that the disputed accounts belong to me. I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/XXXX and the the most recent letter I sent was dated XX/XX/XXXX, all dispute letters attached with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. Under the provisions of Fair Credit Reporting Act section 605b, I am submitting this CFPB complaint requesting that the Credit Reporting agencies remove the following accounts completely from my Credit report as soon as possible : XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX  XXXX Balance : {$0.00} Date XXXX XXXX  XXXX  XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints three times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Transunion has not been act in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

Discover credit card account ( ending # XXXX ) was actively used and had a {$0.00} balance. Despite such status, the account was closed. Upon information and belief, the account was closed in violation of the Equal Credit Opportunity Act for discriminatory purposes. A class action lawsuit is being considered.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing the said Bankruptcy Chapter XXXX with an inaccurate case number with Both Transunion & XXXX since XX/XX/XXXX. They have repeatedly changed how my disputes were worded, A Transunion Representative by the name of XXXX XXXX Whom I spoken with today XX/XX/XXXX @ XXXX stated Transunion get their verification for Bankruptcies directly from the courts. And I was told this before also by a XXXX Representative XXXX with employee Id # XXXX today XX/XX/XXXX, so I did my own research But when I have contacted the courts I was told by their Representative that they do not report to any third party companies, and she directed me to PACER to put in the both different case numbers thats being reported by XXXX & Transunion , and they BOTH came up an invalid case number was entered. Also on the credit reports it states they get their information from another Third party Company XXXX and says nothing about receiving information directly from the courts, Which is clear Proof of the inaccuracies being reported by Both Bureaus. I have consistently sent in proof with every dispute and each time they say its verified with no proof as to how they both did their first investigations, Or they mysteriously didnt receive the disputes I have sent By Certified mail each time. also When I initially started my disputes back in XX/XX/XXXX, when I noticed these huge differences of reporting between the two companies, and after each dispute, I have requested validation as to what Company they have done my investigation through, & how they came to the conclusion of an accurate reporting of that case numbers, but both Transunion & XXXX are NOT abiding by the FCRA laws and these companies really need to be investigated! And I am still Demanding under the FCRA that account to be Deleted immediately from both of them.
Consumer complaint received 2023-03-29
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: Park Hill Holdings (IL)

SAFERENT SOLUTION LLC XX/XX/21 The inquiries on my credit report auras are XXXX, XXXX, XXXX XXXX did not Unauthorized report
Consumer complaint received 2023-03-29
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. (TX)

I have expressed to XXXX XXXX credit card company that they were not reporting any accurate information. This is a fraudulent account and it has ruined my character. I have requested in writing by mail certified that they would stop reporting any and accurate information to the cra 's yet and still they are still reporting inaccurate information to the CRA 's. There has not been any information verified according to the CFPB compliance with consumers. All of this is caused by a lot of stress and harm to my well being as far as attaining a home and other essential services.. Please stop violating me as a consumer!
Consumer complaint received 2023-01-12
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 XXXX Capital one Bank is a good Bank but I have not Authorized them to pull my credit. I have sent XXXX, XXXX, and XXXX XXXX different disputes notifying them of Impermissible.Purpose. 

Yet, have the inquires.been removed nor have i been given an details or explanation. 

I've never had a Capital One account nor have I applied for XXXX.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I was to receive remediation checks from Wells Fargo and they were sent to an old address I no longer reside at. I know they were sent because I saw many opened letters from them with the amount that was to be on the check calling them remediation checks but there was no check. My little brother that lives at the property carelessly went through my mail but never cashed any of the checks. I tried asking customer service if they can be resent but they said they cant help me because I dont have the old account number. That they cant look it up. I just want my checks re sent to current address. I have no idea what else I could do. I looked up unclaimed property through the ca.gov site and they didnt report it to them. I could give my information and the address the checks were sent to in a secured message .Please call or email me back with the next steps needed to claim my money please. - thank you
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, dispute letters and id documents went out to all three credit bureaus by the financial company I hire to build my credit. I have not received any communication from Trans Union, XXXX or XXXX. I called XXXX and the customer service rep said that they had not received a dispute since XXXX. I was not able to get through to XXXX or Trans Union but neither has responded to the disputes that were sent on XX/XX/XXXX, by first class mail. Please look into this matter and please let me know what you find! 

Warmest Regards, XXXX XXXX
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

Hi! 
I purchased an item online on XX/XX/XXXX by using PayPal services under they promised protection. 
I filed a complaint with PayPal on XX/XX/XXXX bc the seller havent provided shipping information and tracking information.Payment closed my case bc the seller eventually provided a tracking information.By that PayPal closed my complaint bc by their policy if the seller provided the tracking information for the item they will close the complaint. 
By tracking the package I should have received the item by XX/XX/XXXX but I never did it. 
After calling XXXX they said the package been delivered to other address in our city and an other person and not to us.They say the package never been addressed to usXXXX refused to give us more information bc of privacy reasons. 
After telling this to PayPal they refused to help us even there are evidences on our sides.They havent even opened an another case.I am unfortunately looks like got scammed and PayPal refuses to fulfill they promise to protect me and get me a refund.And also very concerning PayPal doesnt require sellers to provide evidence when they ship the item what is the name of the recipient and what is their exact address.So scammers can just give a tracking information and just send a made up package to a made up random address in the same city. 
The value of the item was 2020 $ It was a XXXX XXXX. 
Please note the proof of delivery does not show the address where the package been delivered.This is bc privacy reasons and bc the package wasnt addressed to me.
Consumer complaint received 2021-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (RI)

Ive made numerous attempts to retrieve a copy of my title from Hyundai Motor Finance. Each rep has told me something different, and I can see that all 3 requests Ive made have been closed, yet neither I nor the XXXX  DMV have a copy of my title. I moved over a month ago from XXXX  to XXXX XXXX and I need this paperwork to register my car in XXXX XXXX. If I dont get a copy of my title soon, my car will literally become illegal to drive.
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: FISERV INC. (UT)

I am a small business owner and I have a merchant account with Clover/Fiserv . This is how my company processed 80 % of our customer payments. 
On XX/XX/XXXX, the risk management department with Fiserv emailed me the following : The Risk Monitoring Team has identified a change in your current processing volume. 
I was asked to fill out a questionnaire which I did.

I then had a 15 minute phone call with someone in the risk department at Fiserv on XX/XX/XXXX and I was able to answer some of her questions and clarify why my processing volume had changed. 
Clover has been holding {$6000.00} that was processed through my merchant account since XX/XX/XXXX. I have asked for an update from Clover and have received no response or communication. My company is struggling without access to funds that belong to me and I have been given no indication as to when my money will be released.
Consumer complaint received 2023-01-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.