davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

Shellpoint has held my funds in a suspense account rather than applying to my account, which Ive learned is in violation of Consumer Financial Protection Bureau regulations. I made a good faith payment of {$66000.00} ( wire transfer XX/XX/XXXX ) in an effort to resolve final bill with Ditech/Shellpoint. 
Now my home is set to be scheduled for auction despite me paying the entire principal balance. 
I have been trying to resolve the final bill since late XXXX when my mother passed away and I knew the sale of her home was forthcoming and I would receive some of the proceeds so I could save my home. The bank has attempted to sell my home twice since then. Now the judge ordered my home to be auctioned so I will lose my home and my large sum payment.
Consumer complaint received 2017-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Federal Credit Control, Inc. (FL)

I went to XXXX XXXX for an exam. I was told on the phone prior to coming in and while I was at the office in the exam chair that the exam fee would be waived if I were to have the XXXX XXXX done on the same day. So I agreed to have the procedure done while I was there because I could afford to have it done without the fee. But after I had the XXXX XXXX done I received a bill in the mail from XXXX XXXX that was for the exam fee. Apparently they had billed my insurance for the fee without my permission or knowledge and it was rejected so they tried to bill me. I immediately disputed this with the office but they called me a liar and refused to drop the bill and in fact contacted my other insurance company and tried to get them to cover it. I also filed for chapter XXXX bankruptcy and since they would not agree to honor their original deal for no exam fee I was left with no choice but to include this debt in my bankruptcy which was XXXX. please see attached files. XXXX XXXX continues to try to collect this debt and has now sent it to a collection company after they were informed it was discharged.The collection company is now threatening to report this to my credit if they have n't already done so. During the bankruptcy, this debt was never disputed by XXXX and they did not show at the meeting of creditors. I find it rather unnerving for a doctors office to be doing " extra billing '' behind patients backs. I trusted Advanced office staff to be truthful with me, I know what I was told and they went and did the opposite of what they said they would do.It is their mistake so they need to own up to it and not attack me and my records.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and CORRECTION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MI)

This debt was added to my credit report in XXXX of XXXX : LVNV FUNDING LLC Last reported XX/XX/XXXX {$2600.00} Open balance I never received a notice regarding this debt before it was added to my credit report. I received a letter from this company several months after they already added the debt to my credit report. I do not owe this debt to this company. This debt was last reported in XXXX of XXXX.
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (TX)

I lost my wallet at a grocery store either inside or outside in the parking lot which contained my personal information. I went back to the grocery store to see if anyone had turned it in or if they could rewind the cameras back. Since losing my wallet, I have not noticed any new accounts being opened but I have noticed alot of credit inquiries that I did not authorize.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (NV)

Please be advised that these following items are Unauthorized Inquiries and are showing on my credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 

I already reached out to the Credit Bureaus but no changes has been made and these inquiries are hurting my credit.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DEBT 0, INC (FL)

Dear CFPB, Hoping your help in solving this so unfair situation where after more than {$10000.00} wired to this company, just the 50 % was applied to current debts. At least is good to know " XXXX XXXX '' is talking about same numbers we mentioned, however, conveniently for them, records has not been checked in a proper way. As known : Debt restructure program started at XXXX with the debt enrollment of {$14000.00} ; Target for Creditors Settlement {$7100.00} and a Settlement fee for Debt 0 {$2900.00}. This Debt restructure was revised in XXXX, and is the used settlement used for below calculation, with the debt enrollment of {$19000.00} ; Target for Creditors settlement {$10000.00} and Settlement fee for Debt 0 {$3800.00}. ( exhibit # 11 ). As explained in previous message, ( complaint email ),  per your XXXX XXXX own delivered numbers, Debts paid by them on our name are : XXXX XXXX XXXX : {$2300.00} ( Exhibit # 3 ) - XXXX {$1200.00} ( Exhibit # 4 ) - XXXX XXXXXXXX XXXX XXXX : {$2200.00}, paid {$1500.00} ( Exhibit # 5 ) - Afni {$38.00} ( Exibit # 6 ) A total sum of these debs is : {$5000.00}. Adding the total Settlement amount to pay to XXXX XXXX : {$3200.00}, the Great Total is : XXXX. As per XXXX XXXX numbers, the amount of money wired by us to XXXX XXXX is a total {$10000.00}. In conclusion, by simple math, the amount of money to be returned must be : {$1900.00} instead of the {$880.00}. We received an email on XXXX XXXX, XXXX, signed by XXXX XXXX, XXXX XXXX, representative, indicating all the settlement to be paid by us to XXXX XXXX was already paid, thus, the statement on response of XXXX XXXX does not have any support. Questions are : How come, even, because the lack of communication from " XXXX XXXX '' we had to stop wiring funds, " XXXX XXXX '' has collected from us the total amount of money established on the settlement already, if these companies are not allowed to charge to customers in advance? In same email, XXXX XXXX indicates they already had the money to pay to XXXX XXXX for XXXX XXXX account, why didnt they do it? 3 ) Where is the copy of agreement " XXXX XXXX '' did with XXXX? NOTE : Mentioned email can be attached for your records immediate your request. Regards, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-06-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have made three separate requests for Experian to either provide physical verification of the original signed consumer contract -any and all accounts you post on a credit report per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Instead of providing the physical verification I have requested, they have treated my letters as disputes and provided a print out stating that they have verified the disputed accounts. If the FCRA requires credit reporting agencies like Experian to keep on record physical copies of consumer contracts and other documentation and that they be able to produce this documents upon request or delete the items from they should do so without having to be goaded or having a complain filed against them.
Consumer complaint received 2021-09-07
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: EQUIFAX, INC. (IL)

I sent you a letter lately requesting that you re-investigate the wrong and incorrect entries in my file, but that does not resolve my issue. The items are still showing up on my credit record, and it's making it difficult for me to obtain fresh credit as a result.
Consumer complaint received 2017-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Navient cancelled my autopay for my loans because I 'm too close to paying them off. So I restarted autopay. Then they lowered the payment amount without contacting me. Then they cancelled the payments again. It took me months to figure it out and now I still have loans to pay when I should have finished months ago.
Consumer complaint received 2017-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

I received a letter stated I enrolled in Credit Protection, which I did not, and that there would be a monthly fee. The letter did not offer a telephone number I could call. The letter said I had to go online and submit a refund inquiry. I had my daughter help me because I am not familiar with online services. I wanted to speak to someone, or leave a comment, to make sure I am not enrolled in the Credit Protection, but that was not an option. All I could do was submit the refund inquiry. This is very concerning! I refuse to pay for something I did not sign up for.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and deleted on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC (NJ)

The date : XX/XX/2019 Amount : {$1500.00} There is a medical debt in dispute between myself and my XXXX XXXX office. The debt eventually went to debt collection agency after failed attempt to resolve with the XXXX XXXX office. The collector put it on my credit, without sending me validation letter. 

I have evidence showing the debt is paid in full by my insurance company. The image of cashed check obtained from insurance company, and the billing report from XXXX XXXX  office prove that the debt is fully paid.
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : UNKNOWN : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have notified Experian previously that and error was made on my Credit Report. It is has not been removed.The error is XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ca XXXX. This is not my bill. I have never been to XXXX XXXX XXXX. This belongs to another XXXX XXXX. If you check the birthdates it is not mine. I was born on XXXX/XXXX/XXXX and I am XXXX XXXX XXXX. I also have a different Soc. Sec. Number. mine ends in XXXX. I have asked them to remove this negative item because it does not belong to me.
Consumer complaint received 2017-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

CHASE BANK CLOSED ABOUT MY ACCOUNT B/C I REPORTED TO CFPB THEY HAVE VIOLATED ALL MY CONSUMER RIGHTS NOT LETTING ME HAVE AN ACCOUNT. XXXX I REPORTED THEM ' FROZE MY ACCT
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (TN)

Was told by Credit Karma that I was pre-approved for a 0 %, 18 month balance transfer credit card. I applied and was denied. Hard inquiry and rejection affected my credit score, so now I'm paying more for my re-finance. I would have never applied for the card if they didn't say pre-approved. This hard inquiry and denial dropped my score to a lower tier.
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I accidentally submitted bill payments with another institution that used my account at Bank of America. The transactions all occurred on XX/XX/XXXX : {$110.00} {$70.00} {$47.00} Unfortunately there were not funds in the account to cover those transactions, due to transitioning to a single bank account at XXXX. Instead of stopping those transactions, Bank of America allowed them to post to the account and proceeded to charge three {$35.00} overdraft fees. <P/>I contacted Bank of America on XX/XX/XXXX to dispute the overdraft fees, but they refused to be of any assistance, meaning that I have lost {$100.00} due to them not managing transactions properly. <P/>Additionally, despite me having set up account alerts to notify me whenever there is an overdraft, I did not receive that alert until the day after the transactions were posted. Had I known that this occurred the day of, I could have transferred funds immediately to prevent any overdraft fees being charged.
Consumer complaint received 2017-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I received mail stating that I owed two Capital One credit card bills. I did not open any credit card accounts with Capital One. I did not request to open a credit card account. I was shocked when I got the statements because I do know why or how they would even approve me for a credit card. They both show that they were opened the same time XX/2015. I have written to them letting them know that this must have been an Identity theft. The only charge was cash withdrawal. I asked them to pull the documents so they could check the signature. I asked them to pull the video from the cash withdraw to proved that I did not open the accounts. I did not withdrawn any funds from these accounts. One shows a balance of {$520.00} the other shows a balance of {$470.00}.
Consumer complaint received 2017-10-19
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. (MA)

A Federal Trade Commission Report has been provided and all credit bureaus have been made aware of identity theft. XXXX has been provided with a Federal Trade Commission on identity theft and instructed to correct incorrect information and remove fraudulent information from credit report. XXXX has address and respond to identity theft with propriety while XXXX has refused to address my concerns. Equifax has provided no resolution and establish no contact to this date. XXXX has been provided with XXXX report reflecting corrected information in response to identity theft.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Account ending in XXXX I have a bank of America reward credit card for many years. I receive {$30.00} every quarter for making more than the minimum payment every month. Every month my payment is paid through auto pay. In the 1st quarter of this year, I changed my bank account for auto pay, but due to Bank websites problem that change didnt occur and my payment was not deducted and I did not receive the quarterly reward of {$30.00}. The bank is refusing to give the {$30.00}. It is not my fault that the change of bank account did not go through. Ive contacted the bank several times but theyre refusing to help. Please help
Consumer complaint received 2020-04-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (IN)

Midland credit management calls multiple times a day without identifying themselves through the call ( except once today so I finally got the company name but not the agents ), they never state if the call is being recorded agent just repeats dont hang up multiple times without ever moving on from that phrase, like they want you to hang up. Im not sure what they are trying to do, Ive tried to get past the dont hang up phrase but he never moves on. I feel like they are try to get me to fall into a trap, by using evasive tactics and never really speaking with me. Its making me uncomfortable and Im getting the feeling like Im being verbally abused without vulgar language.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX I have file dispute after dispute on wrong Employment information wrong company names phone numbers that are not mine. 

XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXXXXXX : Present Employee : As XXXX XXXX XXXX XXXX  Present Employer : XXXX XXXX There is no XXXX Staffing plus there is no XXXX XXXX XXXX There is no XXXX XXXX XXXX XXXX this are not even the right names of the companies if the XXXX was confirming this names they would no there not right there is no staffing temple as stated. 
XXXX is all Hospitals which they have several there not no staffing company. 
I have phone numbers that are not mine all listed XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX no such address nor have I ever live there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong this is a condo not an apartment XXXX  updates wrong information list wrong occupation and I want proof from them to these companies that I listed current and present wrong