davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OR)

I sold my house and closed my loan on XX/XX/21. At that time, the property taxes were paid through escrow. When I received my escrow account refund, it was short by {$4400.00} because Shellpoint paid the property taxes on XX/XX/21 after the loan was closed. I have made numerous attempts to resolve the issue with Shellpoint and get the rest of my money back, but they are running me in circles. They will not make contact with XXXX XXXX XXXX XXXX to authorize the over payment be sent directly to me. They will not update me on the status of my request to receive my over payment, and whenever I call, they tell me my request is in process and I have to be patient. I have wasted hours trying to get the refund of my escrow account, and have made no progress whatsoever.
Consumer complaint received 2022-12-14
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. (GA)

I have a right to exercise my privacy. My privacy was violated. The credit bureaus never did any investigation or show proof of the investigation. It's been over 90 days. I will like for this to be removed from my credit report.
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

I deposited a check in XXXX, the check had a hold on it for 20 business days. The check cleared and was released. XX/XX/XXXX chase restricted both my savings and checking accounts. Requested I supply more info. I complied and provided the legal documents. They refuse to unrestrict the accounts, due to a personal opinion and document that does not exist nor will exist, due to it is not required.
Consumer complaint received 2019-11-18
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: EQUIFAX, INC. (FL)

when i try and file an online dispute equifax and XXXX  will not except dispute say they can not access report yet they are always reporting to credit lenders, both report my fios score as XXXX yet XXXX  reports XXXX fios, i have an exceptional payment history never a mark against my credit,12 open accounts,3 years or longer, i feel XXXX and equifax are mad about my disputes and have black balled  my account, please help look at my credit history.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Phone : ( XXXX ) XXXX XXXXXXXX XXXX  is fraudulently reporting a 20 plus year old account as if it is new. 

I disputed this account with XXXX XXXX  in XXXX and it is not valid. They sent it to collection in XXXX. I have had no communication with them since XXXX. In their response to my last dispute with Experian they falsely claimed that the account was current in XXXX at which point there was a late payment. Again this is a blatant lie I have had no communication with them since XXXX. In fact this item naturally expired from my Experian report in XXXX or XXXX to the best of my recollection. 

I have made repeated calls to Experian and they refuse to correct this. They are accepting the lie told to them by XXXXXXXX XXXX and telling me that I HAVE TO PROVIDE PROOF. As I said my last communication with XXXXXXXX XXXX was more than 25 year ago! Obviously I don't have those records any longer. 

Also : In my last dispute of Experian to the CFPB ( XXXX ) Experian replied thusly : " This complaint meets the criteria of a credit repair organization ; it either has the same email address for multiple consumers, the same naming convention or similar narrative in the attachments or it has the same and/or similar narrative as 20 plus other complaints within a 45 day period. '' Here Experian is deliberately misleading the CFPB. I am not a credit repair organization. I am XXXX XXXX XXXX, an individual consumer. I am using a single email address, XXXX. This is my personal email address. As far as their claim of a similar narrative, well that seems like an admission of guilt to me. Perhaps they should start obeying the law and ignoring similar complaints.
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Javitch, Block & Rathbone LLC (TX)

Javitch Block filed a lawsuit against me in XX/XX/XXXX in small claims court on behalf of XXXX XXXX XXXX for a credit card that was charged off on XX/XX/XXXX for {$3100.00}. 

I am currently a full-time student barely making ends meet utilizing my student loans and financial aid. The circumstances which led to the default of the credit card was that I was furloughed from my part-time job when the pandemic hit, I haven't worked since then, I contracted XXXX, and lost my father tragically -- all within the past 12 months. Additionally, I am taking XXXX for my XXXX and XXXX, while trying to remain enrolled in school to keep my financial aid. 

I have made several good faith attempts to negotiate a settlement offer with Javitch Block but they are refusing to accept my offer of {$1300.00}. When trying to speak with the manager, I felt belittled and threatened by him. He spoke to me in a condescending manner suggesting that I should go find a job like everyone else so I can pay this balance and then threatened me that they will see me in court soon if I can't pay the amount they are demanding.
Consumer complaint received 2023-02-10
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: CORELOGIC INC (KY)

When I checked my credit report I found out XXXX XXXX XXXX is incorrect and unverifiable. The balance, the dates tagged as late and other information are all incorrect.
Consumer complaint received 2022-12-01
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-15
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: LTD Financial Services, L.P. (CO)

There are 2 separate collection companies attempting to collect on behalf of the same creditor on my credit report. I have attempting to dispute this debt multiple times with the original creditor, prior to the collections phase unsuccessfully as the information is not correct. I have also tried to dispute with the 1st agency that reported a collections record under my name as well as the second agency. Regardless of the fact that the debt information that is being reported is inaccurate. I know that it : duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. I am unable to get help from either the original creditor, the debt collection agencies or the 3 major credit reporting agencies to which I have submitted multiple disputes. Please help me, as each agency has continuously made monthly reporting updates and balance increases. This is illegal collection activity. 

XXXX XXXX - This one was reported first. Both are on behalf of XXXX XXXX XXXX Other Loan Past due : {$5400.00} Collection/ Chargeoff Other Loan LTD FINC SVC Past due : {$3800.00} Collection/ Chargeoff
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have disputed many times both online & writing that the delinquent payments during XXXX  with XXXX XXXX XXXX were made under the XXXX  " COVID CARES ACT '' and accommodations were granted. 
TransUnion refuses to correct the payment history correctly and they still will NOT REMOVE the DELINQUENT NEGATIVE PAYMENT HISTORY from XXXX! 

In 2020 I worked monthly with XXXX XXXX to make ACCOMMODATIONS for payments under the " COVID Cares Act ''. As stated directly in the COVID " CARES ACT OF 2020 '' ( beginning XXXX ) : Quote : Lenders will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as Required by the CARES ACT. Such payment accommodations will AVOID the REPORTING of DELINQUENCIES resulting from the effects of COVID-19.

I have disputed this with TransUnion many times and they still will NOT REMOVE the DELINQUENT NEGATIVE PAYMENT HISTORY from XXXX  on my XXXX XXXX XXXX Account!

This is ILLEGAL and UNJUST. 
If a correction is not made IMMEDIATELY I will be forced to seek LEGAL ACTION and recovery of FEES for damages. 

I have been a loyal customer and have 2 payments left on this account. 
XXXX XXXX has agreed to remove these late/derogatory payments & has sent notice to all 3 credit bureaus without correction to my file. 
I have even contacted the CEO of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
Still, TransUnion refuses to remove these negative/late payment remarks for XXXX.
Consumer complaint received 2019-07-11
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. (UT)

Equifax is reporting incorrectly the XXXX/XXXX partial account number XXXX as a charge off. ( Please see page 16 of the attached credit report. ) This account was included in my bankruptcy and should be reporting as such. I have contacted the bureau to fix this however, I have been unsuccessful. This incorrect reporting is harming my credit score. This trade line item needs to be updated to report accurate information.
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (TX)

FCRA Violation : credit cards not mine XXXX  XXXX XXXX XXXX  FCRA Violation : other loans not mine XXXX XXXX XXXX  FCRA Violation : collection not mine XXXX XXXX XXXX FCRA Violation : names and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation XXXX auto loan not mine XXXX XXXX XXXX
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST INTERSTATE BANCSYSTEM, INC. (NE)

I used to have a checking account with Great Western Bank. It was absorbed by First Interstate Bank. Prior to absorbing the company I was informed that my account number would be closed/changed because their business had a previous customer with the same account number. Despite my best efforts to maintain an account number that Id owned for 40 years. I was denied keeping my personal account. I opted to close all accounts with Great Western Bank before First Interstate took-over ownership. I completed all signed paperwork stating that the account was closed. Months later I was told that the account was never properly closed and I was now accruing fees for not having a minimum balance in a checking account that I never opened. Ive been attempting for XXXX XXXX years to get the account closed and the fees removed from the accounts ; still unsuccessfully.
Consumer complaint received 2019-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AR)

This company is attempting to collect a debt from me for services not provided. I have never signed or agreed to a contract that states I will do business with them. I have attempted to have this company legally validate any alleged debt via certified mail. They have not furnished any such legal validation.
Consumer complaint received 2022-07-23
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. (GA)

I sent a letter on XX/XX/XXXX to remove the fraudulent that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that I want to remove : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX Balance XXXX {$600.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  CA XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Consumer complaint received 2024-04-09
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Abrahamsen Gindin LLC (NY)

I have received a letter from Forster & Garbus LLP, a debt collector stating that I have to pay judgement due amount of {$42.00}, XXXX plus interest. They also sent a notice of garnishment from Marshal for total amount of {$63000.00}. They have been contacting my employer also. I do not know how they got judgment against me. I have not got any summon to appear in court. I took a student loan between the year XXXX from a private company to XXXX  XXXX  in XXXX XXXX. The company stopped paying the loan after one year and I could not pursue my study further. Probably, the loan company was closed or bankrupt. Because of incomplete study, I remained unemployed for many years. I do not remember the amount of loan, but it is far less than the debt collector asking for. In past, I received several letters from different debt collectors for asking different amount. I sent letters to few of them asking verification and copy of written agreement. I have not received any reply from them. I suspected inaccuracy and stopped responding the other debt collector afterward. I was afraid of scam. 
I would like the following information : 1. The name, address, amount, and account number used by the original creditor. The creditor contact address and phone number.

2. Provide verification and documentation. Provide copy of written agreement created my original requirement to pay. Provide promissory note with my signature.

3. State when the creditor claims this debt became due and when it became delinquent.

4. Have you made a determination that debt is within the statue of limitations and applicable to it? When the statute of limitations expires for this debt, and how you determined that?

5. Send me proof of summon with signature of the receiver. Proof of registered post by court.

6. A copy of the last billing statement sent to me by the original creditor.

The court judgement in favor of creditor is biased or based on misleading information supplied to court. The judgement is one sided favoring the creditor. You have all legal tools and access ; it does not mean that you suppress the weak and take advantage.

After receiving the above-mentioned information, I would like to make an informed decision about your claim. I would like involve regulatory authority and appeal in the court in this matter.

I shall be grateful for your favorable and helpful response.

Thank you. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (VA)

The accounts listed below are not mine. I have no idea why it is listed to my report. I surely believe that these accounts are FRAUD or either somebody with the similar name. I already filed an FTC report and this is the FTC Report NumberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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. (DC)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records XXXX noticed many information, items or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  : {$13000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$810.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reel Time Capital LLC (LA)

I have contacted reel time capital and have not heard back from this company. I was notified via phone that there is a order of location for me and that I am being sued for a payday loan with XXXX XXXX XXXX in which I know nothing about or have ever gotten a loan via the company. Im assuming this is from identity theft in which I have had this problem. I have contacted them to try to get information in regards to the matter to no avail the company has not told me anything. When I got the call about a order of location I stated to them I dont know of this said company nor have I ever done business and this is the first time Ive gotten a call in regards to this matter. The person was very rude and offered no information to me saying that this is in fact my debt and I owe money to a company I have never dealt with.
Consumer complaint received 2021-12-01
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: JPMORGAN CHASE & CO. (NJ)

XXXX ) This is a business account and should not be reported on my personal credit history XXXX ) The account was paid off and I requested the account to be shut down b/c the business is no longer operational XXXX ) The lender continued to accept payments ( de minimus ) even though the request to shut down the account was made and I was led to believe the account was no longer active XXXX ) The lender churned the account with late fees and interest charges AFTER the request to shut the account XXXX ) I paid the balance off yet AGAIN from my personal funds