davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (VA)

SHELLPOINT MORTGAGE DECLINES TO SEND MONTHLY STATEMENT OF ACCOUNT VIOLATING XXXX The periodic statement must be delivered or placed in the mail within a reasonably prompt time after the payment due date or the end of any courtesy period provided for the previous billing cycle. The periodic statement must be delivered or placed in the mail within a reasonably prompt time after the payment due date or the end of any courtesy period provided for the previous billing cycle. 
( c ) Form of the periodic statement. The servicer must make the disclosures required by this section clearly and conspicuously in writing, or electronically if the consumer agrees, and in a form that the consumer may keep. Sample forms for periodic statements are provided in appendix H-30. Proper use of these forms complies with the requirements of this paragraph ( c ) and the layout requirements in paragraph ( d ) of this section. 

I DO NOT WANT ELECTRONICALLY ISSUED STATEMENT. VIA EMAIL I HAVE COMMUNICATED IT.
Consumer complaint received 2019-03-20
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX Bank of America contacted me questioning charges on my account.I told them I did not authorize the 4 charges.Bank of america then deleted my old credit card and issued me a new credit card. The following month BOA charged me for one of the fraud charges of {$84.00} which I deducted from thee bill.I have spoken to BOA they insist I pay the {$84.00} also I tried calling XXXX XXXX ( {$84.00} ) the phone number " is no longer in service '' I will deduct the {$84.00} plus the interest charges from my current bill I have had this card since XXXX.on the attached copies I have encircled the amount in dispute
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting Act US Dept Education acct # XXXX has violated my rights. 
US Dept Education acct # XXXX has violated my rights. 
US Dept EducationXXXX acct XXXX XXXX has violated my rights. 
US Dept EducationXXXX acct XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  acct # XXXX has violated my rights. 
XXXX XXXX XXXX acct # 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.
Consumer complaint received 2021-03-05
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)

I do not have any credit score with the TRANSUNION company, a situation that I have tried to solve on multiple occasions and that said company has not tried to fix, using different pretexts and excuses on each occasion, not having any credit score with TRANSUNION has generated serious problems for me. When applying for credit cards, processing a vehicle, applying for a loan, this problem has affected me financially and has caused me serious inconveniences.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX report a negative balance on my credit report causing my score to go down. XXXX XXXX then closed my account and hasn't returned and interest to me. XXXX XXXX is in Clear violation on 12 CFR1026.11 which states : ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
Consumer complaint received 2022-06-15
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. (LA)

I XXXX XXXX whom resides at XXXX XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer and has reached out to these companies XXXX times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. Here are the USPS XXXX # numbers for each letter sent : Experian : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I noticed information on my credit profile that was not correct in XXXX on XX/XX/28 I send dispute in about these inaccuratices. On XXXX I notice I did not receive a respond and send a demand to comply in and still lack of communication back to me it's almost 2 weeks later and still nothing.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

15 U.S.C 1681 section.602.A.States i have a right to Privavcy To Whom It May Concern I did not Authorize anyone employed by these companies to any inquiry and view my credit report.This is a vi olation of the of Fair Credit Reporting Act Section 1681b ( c ) and a XXXX XXXX of my privacy rights
Consumer complaint received 2020-12-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

My husband and I - have been trying to work with NMAC to resolve our loan issues, but to this point, we have not had any resolution. What we would like to do is settle this account - for an agreeable amount. Which would require NMAC management to be willing to accept less than the balance to settle the loan. We are military veterans and feel we have not to be helped. We need NMAC to offer help and assistance to resolve these issues - because at this point we are having a really hard -time. If we could settle this loan for XXXX or so - that would be a great help for us.
Consumer complaint received 2022-06-15
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)

I procured a credit report with XXXX XX/XX/2022 and after getting a copy of my report, I called Transunion because I saw some UNVERIFIABLE items on my personal profile ; I detected that there was a CHARGE OFF account XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX on my credit report which is UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by TransUnion not blocking these items are inadvertently resulting in me being extorted.
Consumer complaint received 2020-12-15
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED THE LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-06-15
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. (NY)

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not 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 2018-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of the South, Inc. (GA)

On XX/XX/2014, this debt for { {$250.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

XXXX has violates my rights under the fair credit reporting act. 

They are reporting a charge off account to my credit file claiming the charge off account balance is {$2300.00} and they contradict themselves and report on the same report that the Charge off amount is {$0.00} I am entitled by law to gave have accurate, fair, and complete reporting or data and you can see by the attached document that XXXX has reported data that incorrectly and against federal law 15C.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

XXXX has violates my rights under the fair credit reporting act. 

They are reporting a charge off account to my credit file claiming the charge off account balance is {$2300.00} and they contradict themselves and report on the same report that the Charge off amount is {$0.00} I am entitled by law to gave have accurate, fair, and complete reporting or data and you can see by the attached document that XXXX has reported data that incorrectly and against federal law 15C.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I called to ask for information about what to do with a 1099c form because I wanted to know what was the proper way to get the document to them. before I could get off the phone the agent said hold on we spot an error on your account. I thought they would work with me and fix the error but the agent instead tried to rush me off the phone saying everything is alright. I said to them what is the error the agent then said there are multi social security numbers on my profile. I asked since when. the agent did not want to tell me and didn't tell me. I asked to dispute it and the agent said I wasn't able to because I recently put a complaint in a little over a month prior. then they told me another dispute would lower my credit which was new to me. Ultimately I didn't get any more information. I told them that it's fraud and she just rushed me off the phone saying there's nothing they can do right now. The company didn't want to tell me what the social security number was that's there or how long it's been there. As a result it makes it difficult to obtain proof.
Consumer complaint received 2022-08-26
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Leased a car at XXXX XXXX XXXX in XXXX of XXXX  for $ XXXX, 3 months later car completely shut down with a gas leak. Took for inspection and was advised there is over $ XXXX of damage. 

Reached out to XXXX XXXX XXXX multiple times with this information and no call back, left a XXXX review, the review was deleted. 

Called Credit Acceptance explained this information to them was advised there is nothing we can do, you still have to pay Called the warranty company XXXX XXXX was advised they can take a look at it, when asking what location they accept. Was advised they dont have any location list, and I was to find a location myself I asked how am I supposed to that. They advised I dont know Called credit acceptance back and advised them of warranty not being honored. Again was told that still has nothing to do with the amount you still owe and you have to pay While not being able to drive the car at all due to dangerous conditions, I was still paying my monthly bill. 
In XXXX my husband lost his job and was not able to pay full payments. Called Credit Acceptance and was advised I could pay {$100.00} today {$100.00} in 2 weeks leaving my balance at {$800.00} on XX/XX/XXXX but I could pay {$460.00} till its completely paid off. 
I paid {$500.00} towards my {$800.00} bill in XXXX but my online account did not reflect that payment stating I was late on my {$400.00} XXXX payment. 
I called Credit Acceptance and explain above and was told how I paid is wrong and they have no way of correcting the online account and I would still owe XXXX payment Not what our agreement was at all and now my bill for XX/XX/XXXX is {$1000.00}. 
The numbers are not matching at all. 
No emails of our conversation has been mailed, no care for the dangerous cask leak, no care for anything.
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have repeatedly contacted by Kohl 's. I do not owe a kohl 's charge card any longer and I've always paid my bill in full and on time. I am being called almost everyday and the last time was today at XX/XX/XXXX at XXXX by XXXX.
Consumer complaint received 2020-12-15
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 — Investigation took more than 30 days
Company: Merchants and Medical Credit Corporation, Inc. (IL)

I sent the company the following letter - and I got no response. They did not validate the debt under FDPCA and ignored 1692G of the FDPCA. Please be advised this 1692g letter is for all!!! Accounts you have listed under my name that are inaccurate and now you are in violation of 1692 ( E ) subsection 8. I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. Additionally, according to Metro 2 compliance, you are not listing the first date of delinquency on XXXX  or XXXX  as required under Metro 2 - another reason for deletion.
Consumer complaint received 2022-07-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

received two un solicited inquiries through XXXX one from XXXX XXXX in XXXX XXXX ME nd one from Bank of America in XXXX XXXX TX on XX/XX/2022. Reported incident to XXXX nd fraud alert they issued a dispute notice and placed a fraud alert on my credit report. I did not see any unsolicited activity as of XX/XX/XXXX,
Consumer complaint received 2022-05-04
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: UNIFOUR FINANCIAL SERVICES, LLC (NC)

The company is contacting references and informing them of the length of debt ( or lateness ) and amounts owed. Unsure of the exact date but was notified today ( XX/XX/2021 ) about being exactly 10 days behind. This practice violates the Fair Debt Collection Practices Act. My references should not be provided details of my debts such as the length of debts and amounts owed. References should not be used for a debt collection practice but instead used as 1 ) a reference to provide me a notification to make contact with the company to discuss the debt 2 ) for reference for the company to provide an alternative or updated points of contact such as phone number, email, or address.
Consumer complaint received 2022-07-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (WA)

XXXX XXXX has repeatedly called me for the past 2 months ( XX/XX/2022 to date ) every Friday trying to collect on a credit card debt from several yrs ago. When I did talk to them they required me to tell them my mailing address, last 4 of my social or the full account # on the card. I informed them that I did not feel comfortable telling them my address but I did give them the last 4 of my social. The gentleman indicated that was not enough and required the full address. I again stated I was not comfortable with that. He stated that he couldn't go any further with my call. I stated I was sorry to hear this but again I wasn't comfortable provided that information on with the call. I also explained to him that I had lost my job 2 weeks ago and that even if we could proceed with the call, I had no money to give them for the debt. He stated that they wanted to work with me but again needed my address. I stated I got his letter in the mail so with that verification, could he move forward with just the last 4 of my social and that? He stated he could not.

I ended the call with apologizing to him and hung up.