davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-25
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Shellpoint Partners, LLC (GA)

This Company ... Shell Point Mortgage Business telephone Number ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, S.C. XXXX Has been calling Our home telephone number for at least " THREE MONTHS NOW! '' Each time They've call ... They " Block Their Number '' ... so it's only showing up as a ... '' Private Number ''. They have NEVER left a message and there has never been any written communications sent to Our address via U.S.Mail. 

Today, ( XX/XX/2018 ) ... We received another call ... ( Blocked Number ... showing Private ) ... and this time, We answered the call. We spoke with a Representative from the Company named XXXX XXXX. Representative XXXX stated that She was trying to reach " XXXX XXXX ''. We advised this Representative that there was no one by that name that lives here. We further informed this Representative that ... '' XXXX XXXX '' ... was " An Ex '' ... She lives in another state and We had nothing to do with Her debt. We asked that The Company remove Our Telephone information from their system. We ask that these collections calls cease. When We asked for the Corporate Business Telephone and address, We were not provided with this information. The only number given was this ( XXXX ) XXXX. We believe that this Company received Our personal information by " Skip Tracing '' ... HOWEVER ... Their Information is INCORRECT and We want this telephone harassment to end. Please Help Stop This Madness. Thank You.
Consumer complaint received 2020-09-16
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Case no. XXXX Situation : I paid a {$500.00} security deposit on XX/XX/2020 using Capital One Credit Card ( ending in XXXX ) to get 1 ) A job that was supposed to start 2 ) by XX/XX/2020 and 3 ) 8 items in the contract ( 401K, insurance, etc. ) Later, I found out there was no job to start on XXXX XXXX. 
The agency did not return my deposit as promised and did not deliver as expected. 

I have reached out to the Merchant and Capital One on several occasions since the first month the charge was made.

Visa Policies ignored by Capital One : 1 ) Capital One 's Dispute team completely missed that the service was not as expected and items did not meet the XX/XX/2020 delivery date 2 ) Also, Capital One esp. missed the reason code 53 ( Not as Described ) as per Visa rules : a ) Service/Product did not match what was described in the documentation presented at the time of purchase. 
b ) Not the same as per Merchant 's description c ) Quality of service d ) Terms of the sale were misrepresented by the merchant Capital one accepted irrelevant proof from the agency and later gave a decision based on incomplete/misinterpreted information : A ) Capital One considered the " deposit '' as a fee although in the XXXX last line the fee is mentioned separately. 
B ) Capital One considered " Training '' as " Job '' while giving the result on the dispute. 

Also, it is a deposit to be returned in the 1st-month salary & the project should have been started on XX/XX/2020 with profit-sharing i.e. 10 % of my salary as the fee. 
Capital One has not yet asked the merchant to verify the above by asking the agency to provide the Job offer letter, insurance or 401k etc. or return my deposit as they never had any job/project and don't  have it till date. 

Thanks in anticipation. 

Regards XXXX XXXX ( card ending in XXXX ) Phone : XXXX
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: Army and Air Force Exchange Service (AZ)

Dear Sir or Madam. 

My XXXX and I are both XXXX XXXX XXXX. When we were reassigned to Arizona from XXXX we filled out the change of address form with the military postal office. However, our mail did not get forwarded and our credit card companies did not receive our new address. This resulted in our AAFES Military Star Card bill not being received for months. The last charges were made in XX/XX/2018, the same month we left XXXX. We made no new charges after that date. I didn't receive any calls, emails, bills or notifications until I got a message from a credit monitoring service about a change in my credit report. As soon as I got the message, I immediately paid the bill in full. I don't believe I have ever been late or not paid the bill in full before -- after having the card for many years. 

We'd like to purchase a home, but the delinquent report on my credit from {$130.00} is going to cost us {$7000.00} extra because it dropped our credit score 30 points. 

Can you assist? 

Sincerely, XXXX XXXX
Consumer complaint received 2016-11-01
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: MNE Services, Inc (CA)

Lender asked me send a process fee for a {$5000.00} loan. 
I spent over {$800.00} for an emergency loan, they kept asking for more money from me. 
I tried calling and texting them back, but no answer or reply by text.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (GA)

This is my 3rd request plaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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
Consumer complaint received 2023-03-24
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. (CA)

I checked my credit report and found that some of the data were incorrect. XXXX is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the issues as needing investigation and correction due to inaccurate reporting in my file. Please correct this. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance {$99000.00}
Consumer complaint received 2019-04-14
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 — Their investigation did not fix an error on your report
Company: Scott Fetzer Financial Group Inc. (DE)

there are 2 inquiries that i didn't authorized from XXXX XXXX from XXXX XXXX and XX/XX/XXXX XXXX.
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (MI)

XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXXXXXX XXXX XXXX XXXX  ] XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXXXXXX XXXX XXXX
Consumer complaint received 2018-06-15
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. (TX)

When getting a replacement card, the company informed me that it would issue me a new number. In doing so, they reported me as closing my credit line and re-opening a new line of credit with them. When I opened my XXXX XXXX   - XXXX account with them, it was on XX/XX/XXXX ( 6 yrs, 4 mos ago ) and on around 9 months ago I asked for a new card. It was XX/XX/XXXX when they show the new account established, but this was not the case as I had only requested a replacement card. 

I have spoke with them on this in the past and they " assured '' me it would be corrected in due time, and I eventually created a dispute with TransUnion about my XXXXXXXX XXXX credit account, which was reported on XX/XX/XXXX and completed on XX/XX/XXXX with no resolution on my request. 

TransUnion was supposed to create a new dispute as I called today, XX/XX/XXXX, and were supposed to send me a confirmation via email in which I never received. They were not too helpful when I asked them what my options were as to disputing it with the information I had and the response from the creditor already.
Consumer complaint received 2020-09-15
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. (MO)

Experian and XXXX should not be reporting that I am ( 30-60 )  days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2019-04-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TN)

I had two collections added by Common Wealth in XX/XX/XXXX. I did not receive a letter notifying me of the collection accounts until XX/XX/XXXX after the accounts were added to my credit reports. ( attached ) I sent full validation requests to validate the debts on XX/XX/XXXX and have not received proper or any validation of the following debts. The debts are both scheduled to fall off in XXXX and XXXX of this year, but I am challenging their violations. I did not receive notification of debts being added to my credit reports until after they had been added, in addition, this creditor has not validated the debts. I am submitting this dispute for those violations in order to have these debts removed.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

My student loans have always been in Deferment and Forbearance due to my situation at the time. Anytime I took on the deferment or forbearance the creditor re-aged the account and back dated the deferment or forbearance however on my credit report there is some inconsistency. XXXX XXXX XXXX shows I have missed XXXX payments open in XXXX 2007 on XXXX account and XXXX payments on the additional account opened XXXX 2007. The information is reported incorrectly.
Consumer complaint received 2020-06-06
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: TOYOTA MOTOR CREDIT CORPORATION (NV)

I dont recognized and Account from Toyota Financial Services that been reported to my credit report. 
Also I was informed that at the beginning of the contract Toyota Financial Services has a wrong social security and they updated later once I tried to contact them about the unrecognized account. 
I sent a Debt Verification letter to Toyota Financial Services and they failed to respond.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX and XXXX 2024 I began receiving at least XXXX calls and text messages per hour from mortgage wholesale lending companies. Some are aggressive and rude.I recently agreed and submitted an application to check what I qualify for to purchase a home and when they pulled my credit report I started receiving unwanted calls and text messages. I was told that credit reporting agencies sell information to these companies. This is disgusting to think my information was shared without my knowledge. 

I have since taken the following action : - Added my phone number to the " Do not call registry '' - Completed the XXXX pre-screen opt-out - Submitted a freeze on my account- I called Transunion and the representative just kept saying she could only see my credit report and was not helpful in telling me how these companies were accessing my information.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error nor is it being made bya third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some account. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... noconsent is fraud. Please delete the account below from my report : XXXX Date opened XX/XX/2019 XXXX : {$110.00}
Consumer complaint received 2020-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

First, this is the third company to hold my mortgage in less than 6 months. There should be a limit to how many times your mortgage can be sold in a set period of time. Consumers should not have to worry about this issue every 2 months. 

Regarding the current company and complaint, the escrow information must have transferred incorrectly because I received an email from my insurance broker stating that my homeowners insurance was about to be cancelled because the mortgage company had not paid the premium. I called Mr. Cooper ( the new mortgage company ) on XX/XX/20, just minutes after receiving the email from XXXX XXXX and let them know that the information they have in their app about the premium and the due date were incorrect. I had to speak to three people, but they finally got them to express pay the homeowners insurance premium which would post XX/XX/20 ( this was the due date, if I didn't pay by this time a late fee would be applied and my homeowners insurance would be canceled on XX/XX/20 ). I was told that the late fee would be my responsibility, which is just outrageous. As of today XX/XX/20, XXXX XXXX XXXX  has still not received their payment and I am still currently in jeopardy of losing my homeowners insurance. Please note that I have paid all of my mortgage payments on time and have even paid additional money to reduce the principal balance on my account. 

To add insult to injury, I received my tax bill a few days later which is also to be paid by escrow. The Mr. Cooper app has my tax info as being due XX/XX/20, when in actuality the payment is due XX/XX/20. I called them again on XX/XX/20 and spoke to two people who assured me they would work with the XXXX XXXX County Property Tax department to get this sorted out and paid on time. It's been over a week now and nothing has changed on my account. I have sent another email and will continue to hound them until the situation is resolved, but why is this my responsibility? Are mortgage companies not required to pay your escrow disbursements on time and correctly when they buy your loan? Why should the consumer have to be on top of them every time? This is especially frustrating when your loan gets sold every 2 months. 

I could lose my house if I don't pay my mortgage on time, but it appears there is no recourse if they don't pay my insurance and taxes on time ... at least not for them. For me, my credit and reputation takes a hit, but nothing happens to the mortgage company? This just doesn't seem right, which is why I'm asking you for help and filing this complaint.
Consumer complaint received 2022-10-14
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 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 XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

BANK OF AMERICA | XXXX Under investigation from previous dispute Balance {$0.00} Actual Payment Amount - Date of Last Payment XX/XX/XXXX Past Due Amount - Account Status CHARGE-OFF BANK OF AMERICA | XXXX Under investigation from previous dispute Balance {$15000.00} Actual Payment Amount - Date of Last Payment XX/XX/XXXX Past Due Amount {$15000.00} Account Status CHARGE-OFF BANK OF AMERICA | XXXX Under investigation from previous dispute Balance {$15000.00} Actual Payment Amount - Date of Last Payment XX/XX/XXXX Past Due Amount {$15000.00} Account Status CHARGE-OFF BANK OF AMERICA | XXXX Under investigation from previous dispute Balance {$15000.00} Actual Payment Amount - Date of Last Payment XX/XX/XXXX Past Due Amount {$15000.00} Account Status This account was disputed for over 5 months and they are still refusing nto close the account. Plus its reporting a total of three times with the same information. They are destroying me even after it was paid off. 

they have ignored my dispute for 5 months, they had 30 days and still have not resolved this in 5 months
Consumer complaint received 2019-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (WI)

I have attempted back in XXXX to get these 2 charges of {$1600.00} and {$950.00} cleared from my credit because it should have been covered by my son 's insurance ot the time of each incidents. I still don't understand why these charges were not covered at the time because my son was XXXX years old and was covered by state insurance here in Wisconsin.
Consumer complaint received 2019-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (FL)

Discover bank has denied to review My Civil Complaint with supporting documents. Discover bank has refused to supply me with the contact info for their legal department to serve them a Civil Complaint being filed with the clerk of courts. Various attempts requesting this information and also sending the Civil Complaint to their Utah headquarters has been ignored. My civil action is for the bank allowing {$5900.00} to be stolen from my account without noticing the very unusual activity for my account. Bank has denied the claim and ignore my Civil Suit with supporting documents. Discover Bank seems to think they are above the law. I have the tracking info and signature that my complaint was received in Utah office. I will use this to present to the Judge to help support Discover ignores civil actions as if they are nothing.
Consumer complaint received 2020-02-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (NE)

The company sent a statement for XX/XX/2019 statement stated that I owed {$420.00} where I worked out a payment plan for {$210.00} per month. I worked out a verbal workout plan where it was {$210.00} per month but then I received a statement stating that it was {$420.00} owed and past due. I dont like my credit being hurt and I dont was unemployed trying to make it.