davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

XXXX I logged into Experian to view and temporarily unfreeze my report for a new CC application which was frozen XXXX due to theft of laptop and jump drive which contained my SSN, TDL, etc ... When I got into their site, I looked under my Alerts to see why my credit score was only reported as " Good '' since I pay 1-2 weeks before due date on all my bills typically. Also, stellar reports for all the years. I called 3x and went through the options for my account but could never reach a live agent. Instead when the recordings were done, it hung up on me! 
1. On XXXX for no reason at ALL ( except maybe to sell their products ), they reduced my score by 15 points!!! 
a. The last time I had a late payment was XX/XX/XXXX due to XXXX Fraud. However, I did not get points for making that payment.

2. Points are deducted if a credit card company decides to decrease my initially approved credit line. How is that fair especially if I am not using that card but did not close it because of points lost when I close an account. 
3. I can not access or find my freeze, it says my account is unlocked and they want me to pay to lock it, nowhere does it say that I have a freeze under any of their tabs : https : //usa.experian.com/member/financialProfile.

4. I also do not get extra points for making extra payments! These guys are selling now instead of tracking & who told them they could have my SSN anyway?

5. I also do not get extra points for paying off my Credit Card Statement balance monthly!

6. Finally, it is none of their business how much $ $ I make so how could they possibly know my DTI! On that basis, their site made an assumption ( based upon CC application data for income? ) and docking me just because I am protecting my privacy from both the
Credit Card Company and the Credit Reporting Agencies! 
Perhaps you should force them to limit their rating basis to the timeliness of payments made like Positive points : XXXX week advance, 2week advance, extra payments, paid off monthly Credit balances from the previous month & on the Negative points : partial payments, 1 month behind ( COVID-19 exceptions ), 2 months behind, 3 months behind, Deed in Lieu of Foreclosure, Foreclosure, Chapter XXXX, and Chapter XXXX. They could also do a weighted average of the above for 1 year, 2 year, 3 year, 4 year, 5 year, 7 year, 10 year, 15 year, 20 year, 25 year, 30 year. These people really need to take Statistics so they  can create valid data without privacy violations!
Consumer complaint received 2021-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My recent Mortgage servicing has been sold by XXXX XXXX to Shellpoint Mortgage Servicing ( c/o XXXX  ). It's been transferred already to Shellpoint on XX/XX/2021 as instructed to me via letter ( attached ) from original servicing company. Since I received the transferred confirmation letter, from XX/XX/2021, I am repeatedly calling ( and requesting ) to this new servicing company - Shellpoint to provide my account information and payoff balance and all other necessary mortgage account information so I can pay my monthly mortgage payment before due date and also I can refinance on time. Every time, when I have called their customer service is unable to pull up my account information using all my information including my SSN/Property address/temporary account number etc. Finally, I have spoke to their Supervisor, and he mentioned me a 10 digit account number " only '' and he denied to provide any other information to me, but I can not access their payment website using that number ( attached ). My due date is coming soon, and I have no mortgage reference number/account number to pay my monthly payment. Also, my refinance company is waiting for this since XXXX. 
I am nervous now that Shellpoint is preventing me to pay on time, and forcing me to miss payment and attempting to damage my credit, also preventing me to refinance and probably attempting to sell my property in foreclosure. 
I have a XXXX son, and now I am struggling more with all these mortgage servicing negligence caused by Shellpoint Mortgage Servicing & XXXX XXXX around the clock. 
Please help.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (NJ)

I am writing today in regards to my account with XXXX account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (OH)

I had a discover it credit card, it was my first credit card. I had a late minimum payment in XX/XX/2019 due to being inexperienced and never being taught about credit cards.
Consumer complaint received 2020-09-03
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. (VA)

To Whom It May Concern, I signed up for XXXX XXXX ( Agreement ) with XXXX, such agreement was never reported on my credit report until this year. XXXX was acquired by XXXX. However, this agreement now reflects a " loan ''. No where on my agreement with XXXX agreement states that this agreement was a " loan '' nor was there a " Truth in Lending '' statement. Such action is a violation of the Fair Credit Reporting Act and Truth in Lending Act. 

Regards, XXXX
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

Hello, I have Money Network debit card, this card is where I get direct deposit from work, the day I received my direct deposit I got 2 notifications via email this was from Money Network, so I open the email 2 transactions for {$XXXX} each made in XXXX ATM in XXXX, CA, at thT point I was working in XXXX XXXX, CA I called right away to Money Network they canceled my card and send me a new card, they said that a dispute was filed so I was waiting to get my money back, in the end of the day Money Network sent me a dispute letter where saying that they denied my claim and my file was closed, so I didn't get my money back and there was no investigation from their side, what can I do now? {$600.00} total! I need my money back, so sad I have bills to pay, I need the money, my money that is not fair, bad company Money Network just trash company.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX, Equifax, XXXX, XXXX XXXX and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from XXXX XXXX and XXXX XXXX and refusing to allow me to dispute it. I contacted both XXXX XXXX and XXXX XXXX, regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX in full and by making a payment amount on XXXX XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly 75 points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. 

If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 

According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 ( 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over.
Consumer complaint received 2020-10-21
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. (VA)

XXXX, XXXX, Transunion, XXXX XXXX  and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from Total Visa and First Access and refusing to allow me to dispute it. I contacted both XXXX XXXX and XXXX XXXX, regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX in full and by making a payment amount on XXXX XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly 75 points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. 

If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 

According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 ( 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over.
Consumer complaint received 2022-04-05
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: Southwest Recovery Services, Inc. (NV)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Southwest Recovery Ser. for committing identity theft. I have never given Southwest Recovery Ser. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Southwest Recovery Ser. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Southwest Recovery Ser. continues its collection efforts, I will file for litigation for actual damages caused and Southwest Recovery Ser. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX {$11000.00} 52 % paid off 8 late payments Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Auto Loan Balance Loan Amount {$11000.00} {$23000.00} Payment Info Status Current, was past due 60 days Updated on XXXX XXXX, XXXX Past due amount - Original loan amount {$23000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 87 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Joint Account Terms 86 Months Company sold - Original creditor - Comments Student loan - payment deferred Your statements XXXX Contact XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX  XXXX {$24000.00} 3 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX. XXXX. 
{$1100.00} 0 % paid off Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1100.00} {$1100.00} Payment Info Original loan amount {$1100.00} Balance {$1100.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, MAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX {$530.00} 0 % paid off print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
Consumer complaint received 2020-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (MI)

I tried to get money off my bluebird card and come to find out my account was hacked as result I loss the {$130.00} and my account shut down and they refused to fix it or listen to me. I don't know even know the person who sent money and futher more you have to have my atm pin to send me money which nobody knows but me which mean I was hacked
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

My complaint is in reference to Fifth Third Bank and their remitting payments to our homeowner 's insurance company ( XXXX XXXX ) from our escrow account. 

My husband and I closed on our house on XX/XX/20. We identified XXXX XXXX as our homeowner 's insurance and set up automatic payments from our account prior to closing. 

After closing, our mortgage was sold to Fifth Third Bank. On XX/XX/20 Fifth Third Bank communicated with Traveler 's and discontinued our automatic payments. They requested a direct bill. My assumption is so that they could pay XXXX XXXX from our escrow account. We were not notified of this change. 

On XX/XX/20 I was notified by XXXX XXXX that my policy was pending cancellation due to non-payment. I called XXXX XXXX to understand and was informed of the above. While I was on the call with XXXX XXXX, they called Fifth Third Bank who promised to remit a payment. 

One week later, approximately XX/XX/20, I checked my XXXX XXXX   account, still not paid. My husband called XXXX XXXX again. Again, while he was on the phone, XXXX XXXX  called Fifth Third Bank who promised to remit a payment. At this time, Fifth Third Bank admitted that they had been confused about the amount to pay but promised to remit the payment. 

On XX/XX/20 the bill still was not paid. My husband called XXXX XXXX  again, who again called Fifth Third Bank. At this point our insurance was scheduled to be cancelled on XX/XX/20. Fifth Third Bank promised to send payment and assured him that it would be posted by XX/XX/20. 

On XX/XX/20 the payment was still not reflected in our Traveler 's account. I called XXXX XXXX to see if there was a delay and they still had not received it. Fifth Third Bank informed us that they had sent an overnight payment to XXXX XXXX on XX/XX/20. Traveler 's agreed to suspend our billing so that the insurance was not cancelled and felt confident that they would receive the payment by XX/XX/20. They set our billing to resume on XX/XX/20, meaning if payment was not received by then, our account would be canceled. 

As of XX/XX/20 the account is still not paid. At this point my husband and I will likely pay the bill out of pocket so that we do not have any interruption in our insurance. I ave never dealt with such an inept company.
Consumer complaint received 2020-09-01
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX {$280.00} XXXX XXXX   XXXX {$670.00}
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (TN)

This company REFUSES to let me make principal only payments. After being told several times that once my loan was paid 3-months ahead that all payments would be 100 % applied to principal ; this has not happened. My loan is 3 months ahead and I continue to get the run around on the phone with this company!
Consumer complaint received 2020-05-04
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX {$11000.00} 52 % paid off 8 late payments Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Auto Loan Balance Loan Amount {$11000.00} {$23000.00} Payment Info Status Current, was past due 60 days Updated on XX/XX/XXXX Past due amount - Original loan amount {$23000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 87 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 30 XXXX  30 30 30 30 30 60 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXOn Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Joint Account Terms 86 Months Company sold - Original creditor - Comments Student loan - payment deferred Your statements XXXX Contact XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX  XXXX {$24000.00} 3 % paid off XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX. XXXX 
{$1100.00} 0 % paid off Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1100.00} {$1100.00} Payment Info Original loan  amount {$1100.00} Balance {$1100.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX  Original creditor : XXXX {$530.00} 0 % paid off print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute