davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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. (IL)

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  Account # XXXX, XXXX XXXX Account # XXXX, 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 an 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 2020-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DE)

The servicer failed to pay all taxes on the home. Due to that a lien was threatened on the home due to a tax sale. The company charged me XXXX for legal fees which should not have been charged to me due to their error in not paying. In addition once I was made aware of the issue, the servicer was in the process of transferring loan and would not advise me of anything. I ended up spending XXXX of my own on an attorney. The servicer has not refunded my XXXX payment and should be responsible to reimburse me the XXXX as well.
Consumer complaint received 2023-08-22
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: Early Warning Services, LLC (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 U.S.C 1681. Has Violated my rights. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting 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 2023-03-26
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. (SC)

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 Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX/XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

N accordance with the Fair Credit reporting Act 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 604A. It also states a consumer agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2023-03-22
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IA)

Called us bank 2x today XX/XX/22 about overdrawn account due to the bank reversing provisional credit from XXXX XXXX XXXX. The last time I called Into customer service before today I called in and requested the rep to resend me the dispute paperwork because I did not receive and it was within the 10 day window of my provisional credit. The person reviewed and said the bank did not need to resend the dispute paperwork to investigate the dispute because XXXX XXXX XXXX did not dispute and now today it is overdrawn. Please do one of three things : listen to the call prior to today and you will hear me requesting the paperwork and the rep saying it was not necessary ... reverse provisional credit and resend the paperwork or close account and I will go elsewhere
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (SC)

I purchased XXXX gift cards on XX/XX/2023 worth {$500.00} each ( total {$2000.00} ). I went to go use the cards the same day and the magnetic strip would not work. After we gave the card to cashier to type the card number, they noticed that one number was scratched off the card. I then checked the rest, and they were all tampered with. I immediately contacted Incomm the same day and they gave me the information to submit a claim. I then submitted a claim online and I got an email reply stating that lost or stolen cards would be replaced within 30 days. I have called several times to get an update on the status of my claim but kept getting the run around and that it would be up to XXXX business days. I called today on XXXX which is more than 30 business days, and they still didn't have any information. I asked to speak with a supervisor, but I was just put on a long hold with no response. My claim number with Incomm is XXXX. I would like a refund of my purchase or my cards to be replaced immediately. Thank you.
Consumer complaint received 2023-03-22
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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. (TX)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX, XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX
Consumer complaint received 2020-08-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2018-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cooling & Winter LLC (GA)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018, I contacted Cooling and Winter Law office about a notice to collect a debt from XXXX XXXX. I final heard back from someone in the office after several days. I explained that my identity had been stolen in XX/XX/2017 and I could supply their office with copies of the police report and other items needed as the account in question was also not something that I had established. I sent the documents, as mentioned, via email and on XX/XX/2018, I received noticed from Cooling and Winter stating that XXXX XXXX could not substantiate my claim and they would move forward with garnishing my wages.

I have since communicated with XXXX XXXX in the same format as I have with all businesses where accounts were fraudulently established. I have provided the proper documentation, as well. However, XXXX XXXX is adamant that I pay the debt created by some mystery person who has used by social security number, date of birth, address, phone number and more to establish services with XXXX XXXX, apartment communities, hospitals, and even utility companies. In addition, I was dealing with a bankruptcy at the time that the accounts were established.

Any help to rectify this matter is greatly appreciated.
Consumer complaint received 2018-12-27
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. (FL)

I have accounts on my credit report that don't have anything to do with me. I dont understand this. Also its states that I missed a {$0.00} payment, although I clearly owed {$0.00} at the time, and never missed a payment. This error in my credit report has dropped my score so low since this, I can not get a car loan, home loan, not even a credit card!

Fraudulent Accounts : - NO NAME - Account # XXXX - XX/XX/XXXX - {$1200.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX -  {$1200.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX -  {$780.00} - ( SHOWS UP TWICE ) XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$780.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} - XXXX XXXX XXXXXXXX   - XXXX - XX/XX/XXXX - {$360.00} Incorrect Payment History - XXXX XXXX XXXX - XXXX - XX/XX/XXXX .- {$0.00}
Consumer complaint received 2023-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I am a XXXX XXXX vet currently on XXXX last few years so little late responding I called SPS and asked for help in getting my rate reduced because at that time rates were around 2 % and my mortgage payments were going up because of insurance rates higher and property taxes higher and it was stretching my budget and I was getting stressed out over this. The sps rep said sure no problem go online and file for modification we will be glad to help. I filed online with SPS in XX/XX/. My only income was social security and a little part time job one day a week and was paid in cash of {$150.00}. I received correspondence that the letter that was written for the {$150.00} in cash need to be reworded. I reworded and sent back in again was told needed to be reworded. On at least three more occassions SPS would send me a letter saying not worded correctly. I asked just leave off and I felt they were just stretching this out and basically wanted me to give up. Finally around XXXX or XXXX XXXX XXXX a SPS rep kept me on the phone for 45 minutes while she talked with underwriting and then told me verbatim how to write the letter for the {$150.00} week income, I sent in the letter and then in XXXX XXXX XXXX a SPS rep called me and verbatim told me SPS WOULD EITHER REDUCE THE RATE OR DO A PRINCIPAL BALANCE REDUCTION BUT STATED TGE WERE DOING VERY LITTLE PRINCIPAL REDUCTIONS AND MOST LIKELY WOULD BE A RATE REDUCTION TO HELP ME the REP then stated sps would call me in a couple of weeks to finalize. A couple of weeks later a rep called me a blatantly told me SPS would not so anything maybe I should seek a refinace somewhere and by this time rates were over 6 % I told her what the last rep said and she wouldnt answer me and ended conversation SPS OUTRIGHT LIED AND DECEIVED ME THE WHOLE TIME, I think they just play the game and hope the customer gives up. I am sure SPS has records of all conversations with the customer showing this as they always stated I was being recorded. I wrote three letter to he CEO of SPS explaining all this and even telling him I was being lied to and misled and then would receive a call from a rep stating they want to help but just lies. Look at all the complaints on line even consumer affairs which are horrible. When I first applied with SPS I received a confirmation letter which stated the name of a rep who would handle the whole process herself. I CALLED HER ONCE BUT SHE NEVER RETURNED PHONE CALL AND EACH TIME I SPOKE TO A SPS REP IT WOULD BE A DIFFERANT REP. 
So from the very first correspondence from SPS was a lie
Consumer complaint received 2021-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (FL)

XX/XX/XXXX {$XXXX} overdraft fee XX/XX/XXXX {$XXXX} overdraft fee I would like these refunded, as they charged me overdraft fees despite me having an inbound deposit for several days that they were stalling on and not properly processing. It was not the fault of my own my account was low balance. 
Navy Federal refused to properly process my paycheck deposits which resulted in them then fining me several times, and when I called in and pointed this out they only refunded a portion. They charged me a tax of over 60 % of what was overdrawn. 

On XXXX XXXX I brought my account current the same day the transaction even posted. I had a {$XXXX} transaction which they Charged me {$XXXX} in overdraft fees for ( 333.33 % interest!!! ) even though I deposited {$XXXX} that same day.
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (FL)

In XX/XX/2018 American Express claims they sent me a letter indicating they would increase my APR from 10 % to 17 %. 

I have am in good standing, as I have always been with all my creditors. 

I never received the letter, which the manager I spoke with shortly there after confirmed she did not see such correspondence within my account. 

In the following weeks, they provided me with a copy of a letter, which I suspect they doctored, to resemble what they should have sent out. 

Irrespective to the above, I signed up for Paperless delivery of billing statements and account communications, and this so called " letter '' was never within any paperless delivery. 

This is further confirmation the letter was not sent, and fabricated after the fact. 

Finally, because I was enrolled in paperless delivery of billing statement and account communications at the time, I should have received a copy of this via such, in addition to in the mail ( as required by law ). 

American Express has stolen money from me, by dramatically increasing my APR, and not properly notifying me of such increase.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I'm a senior and loyalty customer to your ( KOHL 'S ) company. During the pandemic I had been out of town to my sister 's place. After came back to home, I found that your return policy temporarily changed ; from any time to 180 days. I bought the merchandise before the policy change. I had the receipt, but your service associate said the return period was expired and did not honor my return with the payment methods. Instead, she issued the gift card with the year 's lowest price value. The price I paid by credit is US {$64.00}, but you issued store gift card of US {$43.00}. The price I paid by credit card is US {$49.00}, but you issued store gift card of US {$31.00}. I had kept the original receipt with me. 

During the Pandemic, the esteemed company, like XXXX XXXX extended return period to limit the contact. Your company exploited this critical time to sale your store gift cards with high profits. I lost US {$40.00} because your return policy changed without any advance warning.
Consumer complaint received 2023-08-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (ME)

I had a vehicle loan through Wells Fargo Dealer Services. I did struggle to keep up with payments, but was trying to resolve that issue with them when they repossessed my XXXX XXXX XXXX without proper notice on XXXX XXXX XXXX Once the car was in their possession, every attempt I made to reinstate the loan was denied, and I ended up losing car. I feel like they failed in their duty to provide notice of potential repossession as well as to negotiate in good faith regarding reinstating the loan.
Consumer complaint received 2021-03-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (TX)

Information was submitted to I c System that was not factual. I c System deleted the information from credit reports agencies. Credit reporting agencies continued to report information on the consumer that was requested to be deleted by I c Service. Credit reporting agencies purposely decided to ruin consumer 's credit history during a pandemic and ignored the federal law. Negative information was not to be placed on credit reports during the pandemic. Credit reports are to be available to consumers on a weekly basis.