davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MD)

I contact a Shellpoint Mortgage Company customer service representative on XX/XX/2020 and advised them that I wanted to end the forbearance. She gave me several options for my mortgage payments, and I chose the option to have the three months that the mortgages was in forbearance to have those payments deferred and placed on the back end of the mortgage. She stated she would update the system and that there was nothing else that I needed to do. I resumed paying my mortgage payments XX/XX/2020 and I have been paying my payments on time. I received noticed in XX/XX/2020 from Shellpoint stating that my mortgage was outstanding for three months. I contacted a XXXX XXXX who acknowledged that their records did indicated that I call on XX/XX/2020 to discuss ending the forbearance, but that the proper paper was not submitted by the representative. They acknowledged that this is paperwork that was supposed to be done on their end, and that I did take the proper steps to end the forbearance. She stated she will start the deferment agreement which I received an official letter on XX/XX/2020. I informed her that it is showing on my credit report that my mortgage was late for two months XXXX and XXXX and that my credit report dropped by XXXX points because of this. I also informed her that it clearly states in the forbearance letter that I will not be penalized with a late payment charge or with negative credit reporting if I miss a mortgage payment. She informed me to contact the business office, which I have done on numerous occasions. I have sent them all of the information including a copy of my credit report, and as of today, I have not heard from Shellpoint. I have attempted to dispute this through the credit agencies, and it continues to show my mortgage being late. My credit report continues to be negatively impacted by this erroneous report of late payments.
Consumer complaint received 2020-12-01
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: EQUIFAX, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT I FOUND SOME ACCOUNTS AND INQUIRIES REPORTING ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. THE ACCOUNTS AND INQUIRIES DOES IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT I HAVE ME. THE ACCOUNTS AND INQUIRIES WAS NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND HAVE THE ACCOUNTS AND INQUIRIES REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Previous complaint XXXX the response from the credit agency states the investigation will result in contacting a Vendor to verify the alleged negative item in my credit report. 

Verification from a vendor is not the actual source, which is the Court. The courts do not verify information so verification from a Vendor is not accurate reporting, it 's Hearsay. Please remove the alleged negative item from my credit report according to FCRA.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Why is this good account being removed? From my previous dispute back in XXXX I have never listed in my FTC dispute to remove an account that is good standing. This is an FCRA violation. I have never disputed XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. XXXX This should be placed back onto my report or pay {$1500.00} per FCRA violation for doing wrong things to my report. Unacceptable. 
-- -- -- -- -- -- -- -- -- -- -- Along with this account XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.<<<<<<<<<<<<<<< I want the account kept in my report. I disputed this account as never late, so explain to me why this is removed off as well. FCRA violation on all that was done to my report. And all that is on my report. Experian should really be sued for this!
Consumer complaint received 2020-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

I disputed this confined fraudulent collection debt of {$5500.00} to the Credit Burroughs ofXX/XX/XXXX and Experian to which it was reported on.XX/XX/XXXX removed the fraudulent collection debt which i will provide documents of ) when i took action but Experian however is very unlike with their processing systems and creditors monitors for fraudulent alerts like this current debt.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I recently the copy of my credit report sent to me by your company and found that you are reporting the below account ( s ) as valid debts when they are in fact out of statue and they are past the 10 year reporting time as allowed under the Fair Credit Reporting Act for closed positive accounts. The reporting of these accounts are suppressing my debt to income ratio and preventing me from obtaining a montage.
Consumer complaint received 2020-10-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (NJ)

XXXX  Comenity Bank contacted my mother by phone who does not live with me about my debt. 
They also contacted my sister who does not live with me by phone about my debt. They were both upset at how they were able to get there numbers and be harrassed by this company.
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: MoneyLion Inc. (OH)

I was sent an unsolicited credit card that I received in the mail on XX/XX/2021. I never applied for it nor have I ever heard of the bank " MoneyLion ''. It says that my account is set up, has an account and routing number, and is asking for personal information as well as signing and returning the form and activating the new credit card. 

I tried to contact customer support but they are not available over the weekend and I will not wait another minute before filing this complaint to hear their side of the story. I searched the internet and found others with the exact same story as mine and they had to file CFPB complaints and police reports in order for this fraudulent bank to close the account.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account onXX/XX/XXXX for no reason, giving me the excuse that I went against their user policy. I surely did not after going through their user policy and seeing that they are lying to me. After myself emailing them many times, they will not help me with getting it back up and going. I have been to the financial Ombudsman but all they could do was contact Paypal on my behalf, but Paypal ignored them and said their decision was final. They are holding my money for 180 days XXXX XXXXXXXX to be exact. I have not been able to get help from them for for 2 month. I run a small business of which I am the only person running it, and this is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to bring to your immediate attention a matter of urgent concern regarding fraudulent items on my account. It has come to my attention that unauthorized transactions have been made, which have compromised the integrity and security of my financial information. 

As a victim of fraud, I am deeply troubled by these unauthorized activities and demand that they be addressed with the utmost urgency. These fraudulent charges not only jeopardize my financial stability but also erode my trust in your company 's ability to protect its customers. 

I insist that these fraudulent items be swiftly removed from my account without further delay. It is imperative that your company takes immediate action to investigate these unauthorized transactions and rectify the situation to prevent any further harm to my financial well-being. 

Furthermore, I request transparent communication throughout the process of resolving this issue, including regular updates on the progress of the investigation and the steps being taken to address the fraudulent activity. 

In addition to the removal of these fraudulent items, I expect to be compensated for any financial losses or damages incurred as a result of this fraudulent activity, as well as for the inconvenience and stress caused by having to deal with this situation. 

I urge you to prioritize this matter and provide a swift resolution to ensure the protection of my account and restore my confidence in your company 's ability to uphold its responsibilities to its customers. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-25
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: Experian Information Solutions Inc. (TX)

This is a follow Complaint I am submitting to request to you once again that you investigate the erroneous accounts I found you are reporting on my Credit File. I am writing to dispute the accuracy of some of the information on my credit report, which I received from your bureau. I recently reviewed my credit report from other credit bureaus and noticed that there are accounts on my credit report that are being reported erroneously. Specifically, the following accounts are showing discrepancies : OFFICE OF THE ATTY GEN XXXX Balance : {$6700.00} and OFFICE OF THE ATTY GEN XXXX Balance : {$5100.00}. As per the Fair Credit Reporting Act, reporting of account information must be accurate, or the information must be updated. I ask that you review my account information and make the necessary corrections within the required timeframe.
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (IL)

Experian has thus far refused to remove from my credit report a debt collection attempt by XXXX XXXX XXXX ( a debt collector ). XXXX XXXX XXXX is attempting to collect on a XX/XX/XXXXXXXX account that was fraudulently opened in my name.XX/XX/XXXXXXXX has acknowledged that the debt is fraudulent and is no longer attempting to collect. I have provided Experian with the police report documenting the fraud, the FTC complaint number, and a letter from XX/XX/XXXX acknowledging that the debt is fraudulent and ceasing collection activity. Regardless, Experian has kept the " bad debt '' on my credit report. The results of their investigation continue to be " pending ''. Upon contacting Experian via telephone, I was informed they were in receipt of these documents but there was " nothing that could be done '' about the status of my credit report.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

On XX/XX/20, the following purchases were made : Carpet in the amount of {$2300.00} Flooring in the amount of {$1100.00} Total amount of purchase = {$4200.00} According to the sales contract/agreement, work was to commence within 20 days from the date of the contract, under XX/XX/XXXXState Law, which would have been XX/XX/20. As of this date, XX/XX/20, I have a statement with a payment due for both of these items and no clear indication when they will be received or when work is scheduled to begin. I have made several attempts in order to obtain a clear answer and I have not received any clarification. 
On XX/XX/20, I was told that the carpet was backordered and they had no idea when it would be delivered and there was no way to contact the vendor to find out when it would be delivered ; then I was told it would be delivered the week of XX/XX/20 ; then I was told the vinyl was in and a partial portion of the job could be started ; then I was told the vinyl was not in ; then I was told it could be XXXX ; then I was told maybe XXXX ; then I was told that due to COVID, they did not know ; then all would be delivered XX/XX/20. I requested a refund and was told that the time for cancellation had passed. I asked to speak to the store manager and was referred to the assistant manager who informed me that there were no updated notes and when asking for a refund, I was also told that it was too late.
Consumer complaint received 2017-09-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AR)

Onemain is reporting a collections / charge-off to all three major credit bureau 's ( XXXX, XXXX, XXXX ) under Account # XXXX stating I owe a balance of {$5500.00} for a installment loan opened on XX/XX/XXXX 2013 and Onemain Financial XXXX XXXX XXXX XXXX , MD XXXX is reporting the same installment loan under Account # XXXX opened XX/XX/XXXX2013 stating I owe a different amount of {$6100.00} causing two highly damaging negative items on my credit score. This is double jeopardy, collection for the same debt. 

I have contacted Onemain and filed disputes with all three major credit bureaus and can not get this removed from my credit reports.
Consumer complaint received 2021-11-03
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. (DE)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:07/01/2018 Balance : {$190.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : {$92.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$91.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$850.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$99.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$91.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$58.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$92.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$55.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$160.00}
Consumer complaint received 2020-12-01
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. (FL)

On XX/XX/2020 I sent a letter to the credit bureaus regarding several inaccuracies that was on my credit report. This maybe due to my information being compromised in the Equifax Data Breach.I have asked for a resolution and have yet to receive a response. It has been more than 60 days. I feel as if my concerns are being ignored by these bureaus. I understand that in Section 611 ( a ) states, failure to investigate these items within 30 days give reason to immediately remove the items from my credit report. It has been 60 days and no response. I demand these accounts be removed immediately or I will file for litigation.
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 — Account information incorrect
Company: EQUIFAX, INC. (IL)

As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) is  reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by XXXX  XXXX. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer.

Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted XXXX and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( XXXX XXXX, Equifax  ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. 
I want all information from this company removed from my CRA reports.
Consumer complaint received 2020-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2017-09-25
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. (GA)

On XXXX XXXX and XXXX XXXX XXXX I filed a dispute with Equifax online for the collection with XXXX XXXX to be removed from my credit report. I have sent them a paid and settled letter and also a letter from the collection asking for this to deleted from the my credit report. I have spoken with XXXX XXXX on numerous occasions and they stated that they sent a deletion AUD number on XX/XX/XXXX to all CRA, all, except Equifax have deleted this collection from report. My credit score is has dropped significantly bc of this collection. I do n't know why Equifax will not update this collection when they have received the information from the XXXX XXXX asking for this to be deleted from report. I need this collection to be removed from my credit report
Consumer complaint received 2023-03-23
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX 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