davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy and then what? I see the late payment on XXXX XXXX XXXX? I told the credit bureaus to fix it but they never did!. I hope you understand the dilemma I'm going through, CFPB please step up and fix this account
Consumer complaint received 2022-03-03
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: EQUIFAX, INC. (CA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-02-09
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NY)

I went to withdraw {$300.00} from my rushcard at the XXXX in XXXX NY on XX/XX/2017. The atm was out of money and I never received my money. The representative at the XXXX customer service desk called the atm company, but they were closed. She provided me with the number. I call them on XX/XX/2017 at XXXX and was informed that they were aware of my issue due XXXX contacting them this morning. The rep said she knows i didnt receive the money. They requested that I contact my card holder and ask for a provisinal credit and they would be waiting to here from them to confirm that i didnt receive the money. I reached out to rushcard at XXXX. I was informed that they needed to submit a dispute and have the form sent to me, to sign and fax back. It will then take 10 business days before i would receive a provisional credit, ( CRAZY )! I provided them with my email address which they have on file, already. I did n't received the form, so I called back at XXXX. A rep resubmitted the request and told me I had to wait up to 6 hrs to receive the form. The previous rep did not tell me this. I tried calling them again at XXXX and again at XXXX. Thinking I should have received the form already from the initial request at XXXX. It is currently XXXX and I have not received the form. But yet received surveys for my calls I made to them within minutes. At this point I do n't want the form, I would like to have my money credit to my card and my account closed down with them as this is n't the first incident I 've had with them. They can contact the atm service at XXXX and verify that the money was not received and credit my account. This is bill money and I would like rushed to cover all fees associated with this bill being paid late.
Consumer complaint received 2022-03-08
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)

My wife and I are having the same problems with Equifax , Inc. and their violations of the Fair Credit Reporting Act for refusing to have reasonable procedures in place to ensure maximum possible accuracy. I know my rights and I am being damaged by Equifax , Inc. 1. Last week, I submitted CFPB Complaint # XXXX for the same reason I am submitting this one. 2. Equifax , Inc. chose to continue to harass me and refuse to delete inaccurate information from my consumer file and consumer reports, and refused to provide full 609 disclosures as I have requested more than once. 3. Equifax , Inc. has chosen to respond by requesting my ID and utility bill that I already sent them back on XX/XX/2021. These are just stall tactics. I and my family are being continuously damaged by Equifax , Inc. and their violations of the Fair Credit Reporting Act. They are reporting and including information in my consumer file of entities that do not exist. There is no way for them investigate any information with a company that does not exist and that they have not provided me with contact information to contact myself. They are required to immediately and permanently delete every account that I have disputed, and provide the full 609 disclosure in writing without further delay.
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (AZ)

My mortgage loan was tranferred on XXXX XXXX, XXXX from XXXX to XXXX XXXX XXXX XXXX serviced by Shellpoint Mortgage Servicing. The mortgage payment includes escrow payments to cover property taxes and insurance. Shellpoint failed to make the property tax payment and claimed it is the fault of XXXX even though the loan was transferred on XXXX XXXX, XXXX and the tax payment was due XXXX XXXX, XXXX. At this point, I 'm not certain who is responsible but know the money has been collected by Shellpoint. On XXXX XXXX I received a letter from Shellpoint stating my escrow account has a surplus and they were refunding the overage but failed to explain why their was an overage. I did n't realize the property taxes were not paid until my federal income taxes were prepared. My first contact at Shellpoint claimed it was not their responsibility and to contact the previous mortgage company, XXXX. XXXX claims it is the responsibility of Shellpoint. My third attempt for resolution was a call to Shellpoint reaching another service representative. This person claims it is the responsibility of Shellpoint and the taxes will be paid by them but she could not provide a date when the transaction will occur. I will encounter additional fees and penalties if the taxes are not paid by XXXX XXXX, XXXX. I do n't know who to believe at this point.
Consumer complaint received 2017-03-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (TX)

I receive a debt collection letter. 
by mail that are unknown. 

XXXX XXXX XXXX XXXX //// Total Balance Paid, XXXX // Yr. 2016 ... ..other debts unknown../////// Current Creditor, XXXX.. par ) ..unknown ..
Consumer complaint received 2018-10-19
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. (CA)

I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy and then what? I see the late payment on XXXX XXXX XXXX? I told the credit bureaus to fix it but they never did!. I hope you understand the dilemma I'm going through, CFPB please step up and fix this account
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i recently disputed this account because their are so many errors reporitng on this account. i have pointed out numerous times what is wrong with it such as the credit limit and so much more. I am seriously trying to purchase a home and because of their mistakes i have been wrongfully denied. please help me fix this issue. 

THEY HAVE ALSO REPLACED A COLLECTION THAT WAS REMOVED FROM MY CREDIT PROFILE WITHOUT NOTIFYING ME FIRST, i have read in many books that this is against the law. The account in concern is " XXXX XXXX *Orginal Creditor XXXX XXXX
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (DE)

This complaint is related to the previous complaint under # XXXX that was filed on XX/XX/2022. CFPB claimed that the complaint was forwarded to the Discover Bank. Therre are doubts that this is what CFPB did. Discover bank continued to harass me with the XXXX  notices after that complaint although XXXX XXXX mailed me a check for refund of that unauthorized charge made by Discover bank.
Consumer complaint received 2022-03-08
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. (NC)

XXXX XXXX XXXX, Experian, XXXX added collection for {$1500.00} that was previously removed it is reporting this account as a new Deragatory mark on my credit report. I have not had any personal contact with the collection agency and the credit bureau DID NOT inform me this was being reported. This collect has now resurfaced and it is impacting me severely. I am currently disputing this with all 3 credit bureaus. I feel taken advantage of and the want to keep me in the negative. Please help me.
Consumer complaint received 2021-10-24
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. (PA)

I the natural consumer became aware of the fraudulent account on my credit report XX/XX/2021. This consumer contract was open on XXXX XXXX without my knowledge permission, or consent. The consumer contract pursuant 16 CFR 433.1-433.3 is incomplete it takes two signatures and I never signed a contract with XXXX  XXXX XXXX  XXXX XXXX I have the right to demand to stop of communication on all mediums in collection to this alleged debt pursuant 15 USC 1692 c ( c ). Since Transunion  XXXX and XXXX failed the banking system by reporting this unfair inaccurate information pursuant FCRA 15 USC 1681 delete this account or be held liable for all damages listed. Transunion XXXX and XXXX are not exercising their grave responsibilities with fairness, impartiality, and respect for my privacy. The account is impairing my abilities to receive goods for my personal family or household usage as a natural person consumer pursuant 16 CFR 433.1. Transunion XXXX and XXXX does not have permissible purpose to furnish this account per my written consent in accordance to the FCRA. This is aggravated identity theft 18 USC 1021a and all parties will be held liable. Transunion XXXX and XXXX failed to properly investigate the information before furnishing the data so a response saying an investigation will be started I will pursue further litigation and Transunion XXXX and XXXX will be held by default to those damages.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

To Whom It may Concern, I am writing this letter in regards to my Capital One Account. 
The account that I had with Capital has been paid in full and is not being reported on my credit report correctly. A letter was sent to me about my account and stating that the account was updated. As of today my information from the Credit Bureau have not been updated.
Consumer complaint received 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX, XXXX, Transunion added collection for {$1500.00} that was previously removed it is reporting this account as a new Deragatory mark on my credit report. I have not had any personal contact with the collection agency and the credit bureau DID NOT inform me this was being reported. This collect has now resurfaced and it is impacting me severely. I am currently disputing this with all 3 credit bureaus. I feel taken advantage of and the want to keep me in the negative. Please help me.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

In XXXX Barclays Jet Blue MasterCard  notified me that if i didn't use the card it would be cancelled. I charged a restaurant bill for {$71.00} in mid XXXX and paid the charge in full before it was due XX/XX/2022. I have a cancelled check showing that. Barclays deposited my check but did not credit it to my account, and has been charging me late fees and interest ever since. I've made at least 8 long calls to Barclays, and have sent them a copy of the deposited check. They keep telling me " they will resolve it '' but they have knocked my credit rating XXXX points by reporting it as an uncollected debt. They have failed to give me appropriate credit for my payments and have not written the credit agencies to say this was their error not mine ... .and they haven't FIXED IT. No matter how many people I speak to, nothing gets done. I have copies of all docs for proof. Please help. XXXX XXXX XXXX
Consumer complaint received 2020-12-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (NY)

I have asked XXXX, XXXX, and XXXX  along with SANTANDER CONSUMER USA to please look into to making sure this account is not an erronous, inaccurate, unverified account Account number XXXX. They are using there power to ignore my request for ALL supporting documentation. They are all in violation of 15 U.S. Code 1692 ( d ) ( 1 ) buy using illegal tactics to ruin my reputation and profit off my credit report. I am in the middle of trying to purchase a home. They are making me stressed causing me great anxiety because they are doing this to keep me at a disadvantage. They all assumed this position to keep accurate records and I believe they are not doing so.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I requested validation and verification of an item being reported by a collection agency. They have failed to provide the requested items in my dispute letter to validate this debt. The first letter was sent certified mail and they received it on XX/XX/22. They replied with a generate response of " they verified '' the debt is mine so another letter was sent, certified, to them on XX/XX/22 and they received it on XX/XX/22. Per Federal Trade Commission 's guidelines, no proper debt validation has been provided.
Consumer complaint received 2018-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo bank of XXXX Ga XXXX sent me an offer, letter and card that I was eligible for a loan. I have been doing business with them for nearly 30 years. My credit is good. I have paid for two houses and now paying for another plus I have paid off multiple trucks and almost have another one paid off. Also, I have a RV XXXX XXXX XXXX camper. All because of discrimination against another person that I signed with to help him build his credit they denied him ; and the next day I personally applied just for myself. I was denied. The bank loan officer had to get permission from a XXXX man manager before she would even talk to us. Then when my wife was going to put her mother 's dividends in my account he was very rude. She told them that she was her mother 's estate. Her mother has been passed away for 8 years. Everything went to my wife as she was the only child. The XXXX manager stood there looking at the checks as though they were counterfeit. He also was listening to the conversation and he did look at my wife. After a harsh discussion they finally accepted the money for deposit. The manager is very unprofessional and very rude. After talking to someone in Washington DC we were advise to give this a second chance. So my wife call the manager who is responsible for what goes on in his bank. He was very rude to her and hung up the phone during the conversation. That is a XXXX man discriminating against a white woman. There will be consequences to pay for this unprofessional and rude behavior. DISCRIMINATION!!!
Consumer complaint received 2017-12-26
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. (WA)

I made an error and underestimated the power of my credit. I forgot to pay my card and it caused me to get a 30 day late pay negative mark on my credit. Since this has happened I have opened a new card with the same company using it quite frequently and have paid it in full as I go. 
I 've learned a great lesson from this, pay on time and never be late. Credit is such a important tool and it must be respected. Thank you.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

According to the Fair Credit Reporting Act 15 U.S.C 1666b - Timing of Payments, Barclays is in violation of my consumer rights. Pursuing 15 U.S.C 1666b reporting any late payments on a open-ended consumer credit plan is illegal and must be updated as positive. A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as a late payment for any purpose.
Consumer complaint received 2019-03-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo loan " specialist '' is asking me to submit an IRS form that was never required when my tax returns were filed. He went so far as to download the forms from the IRS website and instructed me that I have to fill them out or he would not be able to process the application any further. I explained multiple times that he was mistaken and these forms are not part of my return, I even supplied the correct form but he stated it was insufficient. I had provided my entire returns for two years in addition to form XXXX allowing Wells Fargo to request my returns directly from the IRS.
Consumer complaint received 2019-11-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc. (FL)

My vehicle was repossessed by Consumer Portfolio Services on XX/XX/2019, however they did a hard inquiry on my credit without my permission and for no apparent reason to lower my credit score even more. Consumer Portfolio Services has no reason to run a hard inquiry on my credit without my consent.
Consumer complaint received 2018-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

They hired an attorney years ago to foreclose on the property. At that point I had no access to the house. They stopped it for unknown reasons. I have tried to do a voluntary give back. I've tried to do a quick sale with no response. At one point I even did a loan modification with it resulting in them losing my paperwork. I work very hard to keep my credit good. I feel I have gone above and beyond to resolve this with no response from Ditech. I do not believe they are acting in good faith and are ruining my credit even though I have attempted to resolve this balance. I hope you can help me get them to moving forward. This is not the original mortgage company, it has changed hands a few times. Thank you in advance for your time. 

Ditech Financial loan # XXXX
Consumer complaint received 2020-02-04
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (OK)

US Bank Home Mortgage continues to fail to report payments to the credit reporting agencies. I received and reviewed the extensive reply from US Bank. The information provided in the response offered some clarification but also directly contradicts what they are reporting to XXXX  and XXXX. Attached is a letter from US Bank stating that they have applied a payment made in XX/XX/XXXX to the contractual payment for XX/XX/XXXX. Also attached is a copy of my credit reports ( XXXX  and XXXX  ) showing no payments reported at any point in XX/XX/XXXX or XX/XX/XXXX. Additionally, payments were made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. None of these payments appear on my credit report at any point in XX/XX/XXXX or XX/XX/XXXX. I understand the delinquency status. I understand the process of the TPP. However, I have done extensive research and I have learned that the payments made on the loan should be reported ( even if being reported in XX/XX/XXXX ) to the credit reporting agencies and US Bank has not complied. The last payment date as it appears on my credit report should be accurate and it is not in fact accurate which means US Bank is not in compliance. This negligence has real-life implications which has had grave consequences to me. 

Additionally, the co-borrow and myself have made dozens of attempts to make contact with US Bank in regards to the TPP, to confirm payments or that paperwork has been received and various other important information with no response. I am happy to provide proof of at least 10 emails made to US Bank 's RMDM Consumer Protection group, the previous relationship manager and the new relationship manager, to which I never received any response. I am happy to provide proof of at least a dozen phone calls to US Bank in which we spent hours waiting on the phone only to receive false or conflicting information. Customer service remains appalling. US Bank has little regard for the real life implications of their negligence. As a consumer, I would never recommend US Bank to a friend or family member.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC (IL)

Inaccurate reporting has been detected on my credit report. My credit report states that I am past due on a loan that has been paid for in full. GLS send a letter to me on XX/XX/19 that states my loan is paid for in full and that I owe a balance of {$0.00}. 

Supporting documentation is enclosed.