davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

Re : mortgage with loan no. XXXX for the original mortgage that had been serviced by Shellpoint Mortgage that was refinanced and funded on XXXX. XXXX, the title company, told me that it sent via Fed Funds wire the payoff to Shellpoint Mortgage on XXXX with the wire reference number : XXXX. On XXXX I spoke to XXXX XXXX in customer service at Shellpoint. She told me that my account shows a payoff on XXXX and has no other information about when the payoff was received by Shellpoint and what date Shellpoint uses to record receipt of the payoff. XXXX said she would have data on the payoff emailed to me. On XXXX I received an email from XXXX XXXX of Shellpoint that showed the same thing that XXXX told me - the recorded date of the payoff was XXXX. I replied to Ms. XXXX with the fed funds reference number that the payoff was made on XXXX. On XXXX, Ms. XXXX replied ( attached ) that she can't respond to an email, and that I should contact customer service. But I had already contacted XXXX XXXX in Shellpoint customer service on XXXX and couldn't get any clarifying information. Since Shellpoint had the payoff on XXXX per the Fed Funds wire, but recorded its receipt on XXXX, I'm being charged one extra day of interest, which is {$62.00}, and I would like Shellpoint to send me a check for {$62.00}.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 60 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 2021-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2020-04-30
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. (IN)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$250.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$130.00}
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This XXXX XXXX account showing Charge Off on my Equifax Credit report is not my account. I am listed as an authorized user. I have sent letters to Equifax and XXXX and neither have removed this from my credit report. It is really hurting my credit score and I need it removed.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (IL)

ALL XXXX of my credit bureaus have my maiden name listed. I have gotten married, got divorced from my XXXX marriage, and got remarried this year. These people need to listen and change my XXXX name!!!!! My maiden name is no longer valid!!!!!
Consumer complaint received 2020-04-30
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. (AR)

I have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to deleted from my credit report.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

VIOLATION OF LAW XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) VIOLATION OF LAW XXXX XXXX XXXX XXXX VIOLATION OF FAIR CREDIT REPORTING ACT TRANSUNION IS COMMITING FRAUD. 
PART XXXX 210 days with NO PROVE OR DISCLOSURES. 
TransUnion were unable to PROVE AND PROVIDE EVIDENCE OF INNACURATE BANKRUPTCY ACCOUNT ON MY CONSUMER REPORT. 
EVIDENCE ATTACHED SHOWED THAT XXXX DELETE ACCOUNT ON XX/XX/2023 AND THEY SENT A LETTER TO TRANSUNION TO DELETE THIS BANKRUPTCY ACCOUNT ON MY PUBLIC RECORDS. 

PART XXXX : DELETION OF FRAUDULENT LATE PAYMENTS By LAW XXXX XXXX XXXX XXXX you cant furnish inaccurate information on my consumer report. You need to provide PROVE OF THESE LATE PAYMENTS. I need disclosures and TRANSUNION must abide by the conditions and compliance of the law XXXX XXXX XXXX : Time to make payments. 
COPY OF THE LAW : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( XXXX  ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Please provide a copy of the letter with tracking number sent by creditor with periodic statement including the information by section XXXX for each alleged late payment 21 days before payment due date. 
If you are unable to send me PROVE then delete these late payments IMMEDIATELY.
Consumer complaint received 2017-10-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I hired an attorney to address the Deed Inlue of foreclosure ( DIL ) and Ocwens appointed DIL attorney matters. At the request of either Ocwen ( receiving mailed DIL data packages ), or at the request of the Ocwen attorney, I have been submitting the same DIL data package ( same type of information ) to both parties since XXXX. A total of six ( 6 ) DIL data packages to date have been submitted. I have yet to receive a final filing of the ( notarized ) DIL document filed with the residential court of record. 
In addition, since the matter is still in litigation, Ocwen ( terms in wring from their attorney ) reversed its position of not reporting this matter to the credit bureaus and has since reported negative information to the credit bureaus. I have reached out again to an attorney ( bill still piling up for services rendered ) to address this ( negative ) reporting matter, of which is an unfair tactic/practice by Ocwen. 
In closing, had I not been able to qualify for the DIL ( letters received from Ocwen ) Ocwen has demonstrated some egregious practices. Ocwen nor their attorney should be allowed under any circumstance to consistently mis-handle a home owners ( qualified ) DIL data package.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Both XXXX and Equifax are reporting inaccurate information regarding 2 credit card accounts. XXXX XXXX XXXX and XXXX XXXX XXXX. 

In XX/XX/2017 my home was burglarized and several credit cards were reported stolen. At the time of the burglary I did not have the balances that are showing in collections as indicated on both credit reports for the above listed accounts. These cards were used by the thieves before they were cancelled. Each company only covered a small amount of the charges that were not made by me. I was also informed that there was insurance on both accounts that covered the additional amounts. 

I have attempted several times to have this corrected and neither collection company will provide me with where they are receiving information from nor how they are validating the information. Furthermore, one of the 2 original creditors has since granted me a new line of credit which is good standing. 

The collection companies are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX My complaint is with all of the above. XXXX and Equifax for reporting the information from the 2 collection agencies that is inaccurate and erroneous. These 2 entries are having a severely negative impact on my credit reports and neither of the 2 collection agencies will respond. Go figure, 2 collection agencies will not communicate with me but are still reporting incorrect negative information.

Please help ... I am so over this ... My attempt to secure a  mortgage for a house failed because of this non sense.
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL (GA)

XX/XX/2019 I receive a voicemail threatening to take me to court over a credit card debt. XX/XX/2019 they called again. They even quote a new address that is associated with me. They called me last week as well. And emailed me payment processing. I email them back telling them do not contact me again I asked for an email address so I can send them a letter that an old debt is paid for. They want to try and validate my letter stating my debt was paid. They said it should have an Id number they hang up said I should pay my bills and Id get something delivered at the new address they gon na contact my job
Consumer complaint received 2019-03-06
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: Bread Financial Holdings, Inc. (WA)

The week of XX/XX/XXXX-XXXX, XXXX XXXX obtained my credit report unbeknownst to myself and made a redetermination on my credit worthiness, which resulted in a reduction of my credit limits on both my XXXX and XXXX XXXX credit cards, one by {$100.00} and the other by {$50.00}. Both cards have had consistent on time payments for one year.
Consumer complaint received 2021-11-26
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. (MI)

I received an authorized and unverified credit inquiry on my report unbeknownst to me. When I tried to have it removed, Equifax refused to remove it from my report after numerous attempts.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

I received a large refund from one of my wedding vendors when we cancelled our wedding. Current my credit card has a credit of XXXX. I submitted a request through Chase 's message portal to ask they transfer the credit to my checking account. They have not responded. I've reached out through their support team through XXXX and they directed me to the phone number on the back of the card. I called the back of the card and the automated answering machine did not provide any options for me to speak with a rep. It stated they had high call volumes and can only assist with specific issues through telephone. My issue was not one of them. I keep getting the run around and I just want my funds deposited to my bank account.
Consumer complaint received 2017-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

I opened a checking account with CitiBank 1.5 years ago. They immediately started charging me {$30.00} fees every month. I was n't aware that the fees were being charged on my account because I could n't log in online. I called in multiple times complaining about it and they could n't figure out what was wrong. Each time I would ask to make sure there are n't any fees on my account and they told me there were n't ( they LIED ). 

After a year of this, they finally managed to fix my " online profile '' so that I could actually log in and see my account. I discovered {$300.00} in fees charged. I called in to their support center and they waived 4 out of 10 of them. I asked for the rest of them to get refunded and I 've been stuck in a game of phone tag for 2 months now. The phone center sends me to the branch, the branch sends me to the phone center. Additionally, the branch is only open for a few hours a day and on west-coast time ( I 'm in XXXX  ). I finally got the branch to refund an additional 3 fees but the money never showed up in my bank account. I called the phone center again and they have no notes of it ... 

Today I tried to shut down my account entirely but they told me that if I do that then I definitely wo n't get any of my money back.
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

On or about late XXXX or early XXXX I defaulted on a XXXX credit card. There are several aspects to my complaint. First off, this debt is about 4.5 years old and just now reporting to my credit file. When I first saw the item on my file I disputed the validity of it due to not recognizing the account due to not seeing anything about this account in years. Upon receiving notice I made contact on XX/XX/XXXX at XXXX XXXX to gather some information and attempt to make a settlement. I spoke to a representative and then a supervisor named XXXX XXXX. XXXX mentioned 2 adjustments in amounts of {$44.00} and change and {$19.00} and change. I questioned these adjustments and told him I needed verification of where they came from. He told me they came from the original creditor, XXXX XXXX. XXXX also informed me that Midland Credit had already verified the account from the dispute I submitted so no need for verification on the adjustments. XXXX continued to push me to set up a payment and wanted to give me until XXXX the same day I made contact to investigate the adjustments which was not a reasonable amount of time. After ending my call with supervisor XXXX XXXX I attempted to contact XXXX XXXX, the original creditor. I spoke with a customer service representative at XXXX named XXXX who stated she could not find information for that account on her system. I spoke to another representative in the recovery department who stated the same information that they were unable to locate information under my name for that account. I also contacted XXXX  to ask the status of the dispute that Midland Credit claims was verified and as of XX/XX/XXXX XXXX  claims the dispute is not complete and is still in progress. Midland Credit discouraged a verification or investigation of these adjustments which I have a right to as well as asking me questions such as when my last payment on the account was. Pertinent information such as dates related to the account is their obligation to confirm and depict accurately.
Consumer complaint received 2021-07-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (LA)

On XX/XX/2021 I entered a consumer credit transaction with WELLS FARGO AUTO and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are now claiming that they originated the credit I extended to them, in which I submitted a {$1000.00} down payment, my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that WELLS FARGO AUTO claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. WELLS FARGO AUTO has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In XXXX XXXX, I reported to XXXX, Equifax, and XXXX, that information on my credit report is incorrect. Date of first delinquency being reported by XXXX XXXX XXXX ( XXXX ) is incorrect. They were even falsely reporting payments that were never made. This was a loan obtained in XXXX which is now a 10 year old account still being reflected on my credit report. It is being reported that last activity was XXXX when in fact no activity has been made 5 years beyond that.
Consumer complaint received 2020-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

I sold 1 Bitcoin on XX/XX/2020, it went into a Wallet. I tried for a few days now to withdraw the money into my personal bank account. It keeps giving me this message that they need more information. It took a month to unlock my account. I finally got on and sold my only Bitcoin and now they will not give me my money. I followed all of Coinbase instructions and still nothing. I reached out to customer service over and over. They never address my problem about not able to withdraw my money. I sent Coinbase a screen shot of message like they ask me and nothing. Crickets, I'm still waiting. I lost my job over COVID-19 and I'm in need of money. Please can you help?
Consumer complaint received 2021-08-07
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. (NC)

I already reached out to the credit bureaus for the following unauthorized Inquiries listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. In addition, Kindly delete this incorrect address ( XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, VA XXXX ) right away because this is not my address. 

Inaccurate Inquiries : XXXX/XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ND)

All three major credit bureaus have illegally hoarded my personal information without this Consumer 's expressed written consent especially Equifax as all of my personal information was compromised in their breach. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumer 's personal information to make trillions of dollars by selling it to various debt collectors,  employers, financial institutions, and a host of others.
Consumer complaint received 2024-02-19
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. (GA)

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 XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX ) 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 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX I entered the Transunion credit reporting site to freeze my credit account due to the recent XXXX debacle. I did a search on the site for " credit freeze '' and received a link to accomplish that. 
I completely filled out the form provided and gave them my credit card info assuming there was a fee for the service. A few minutes later I received a confirmation email that stated I had signed up for the Transunion credit monitoring and I would be charged XXXX per month for this service. 
I immediately called the customer service number. I initially talked to a person with a heavy XXXX accent who claimed to be in Minnesota. He indicated that there were several people experiencing the same problem I had and gave me a billing no. and a freeze no. to call. 
I called the billing number and explained what happened. The rep indicated the service would be cancelled and I would not be billed. She provided a confirmation number XXXX. She also had a foreign accent and refused to state what country she was located in. 
On XX/XX/XXXX my XXXX account was charged {$19.00} for the service. I have since protested the charge to XXXX. 
Transunion is practicing fraudulent and deceptive actions to defraud consumers. 
Extremely worrisome is their practice of outsourcing their customer service to foreign nationals, further placing consumer information in jeopardy to make more profit. 
My wife XXXX XXXX XXXX also had this same experience on XX/XX/XXXX and is also protesting the XXXX charge to her XXXX account.