davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

Hello, I've been having many issues with this mortgage company and was reading their reviews online and noticed that the positive ones are all " fake '' ( most have only 1 or 2 reviews and can not be validated ) by following up the trend. The negative reviews, however, looked real and exactly the same problems as mine. The company is reporting my payments wrong continuously and does not respond correctly to my concerns. They are very shady and worry me. 

An example of a negative review similar to my issue is below 4 weeks ago SHELLPOINT Mortgage is the most unethical mortgage SCAMMERS MORTGAGE COMPANY in existence. THEY ARE Scammers!!! My mortgage was sold to them after I purchased my home. Soon after I realized the horror of the schemes they carry out in order to add unwarranted fees. Even sending falsely reporting me to the credit bureaus in the highest point of a pandemic. They LIE and I had to battle it out with them and they still refused to remove it. The credit bureau informed me to make a note on my report. I did. Another way they scam you is adding late fee even when you are not late. 
Most people don't listen to reviews and some are so happy to get a mortgage and I understand, but I assure you that if you can get a mortgage from these people you can get it from someone else. Please ... I am please with you, DO NOT GET A MORTGAGE WITH THIS COMPANY!! YOU WILL REGRET IT!!! THEY ARE SCAMMERS!!! Go to your bank and try there and if you go with another company, find out if they will sell your mortgage to SHELLPOINT MORTGAGE. Have them put it in writing that they will not do so. THEY ARE ATROCIUOUS. They don't ebven deserve 1 star.
Consumer complaint received 2020-11-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (IL)

Good day, Recently i have started to see that 3 credit card accounts opened under my name in United States, however i left United States in XXXX of XXXX, below is recent information from XXXX form which you can also check ( XXXX XXXX XXXX XXXX XXXX ) Most Recent XXXX Results For : XXXX XXXX Most Recent XXXX Admission ( XXXX ) Record Number : XXXX Most Recent Date of Entry : XXXX XX/XX/XXXX Class of Admission : XXXX Admit Until Date : D/S Details provided on the XXXX Information form : Last/Surname : XXXX First ( Given ) Name : XXXX Birth Date : XXXX XX/XX/XXXX Passport Number : XXXX Country of Issuance : XXXX
Consumer complaint received 2020-11-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX I found out that my rental lease wasn't going to be renewed and I was desperate to find a place to live. I found what I later discovered was a to good to be true deal on a house on XXXX. In such a hurry to get it I let my self get scammed by the person there... I sent a deposit for the house on XX/XX/2022 in the amount of XXXX  thru venmo. The next day I paid the first month 's rent of XXXX in 2 payments of XXXX  also thru venmo. Once I realized my mistake I immediately contacted venmo to dispute all 3 transactions. They refunded one of the XXXX payments to me and that was all. Since then I've contacted venmo everyday asking why they were only able to give me the XXXX  and not the rest. They have sent me the same pre-written email 4 times now and I am stuck in an endless support loop via email. In talking with them I found out that when I made the original dispute of 3 transactions they mistakingly only saw the one. They have froze the acct and can't do anything further they said due to their mistake.
Consumer complaint received 2022-08-12
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. (GA)

Misinformation on report accounts that dont belong. Old address that I requested to be removed which is still on my report they removed them on XX/XX/2022 score when up XXXX pts score increase to XXXX and reinstated them on XX/XX/2022 and my score decreased by XXXX points score dropped to XXXX
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Re : Disbuting Alleged Late Payment on Credit Card SYNCB/AMAZON PLCC XXXX XXXX XXXX XXXX, FLORIDA XXXX XX/XX/XXXX Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX DATE REPORTED Individual Account Revolving Account CHARGE ACCOUNT Balance : {$0.00} Company named above claims that I paid the balance 30 days late. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that paid my balance late in XX/XX/XXXX. 
This company has failed to show, what item or service I paid late for. How or what item or service was purchased and paid late for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation, since the account was opened in XXXX ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items and/or using their credit card ; 4. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such late payment reporting. Thus failed to do so. 

It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX ; XXXX and XXXX.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Lowe 's does not send electronic statements even though you are opted in for e-statements. Opting in to reminders of a balance due also does not work on their site. The only electronic notice that seems to work is a notice that you have a " past due '' balance. I believe they are manipulating the communications such that they generate late fees from their consumers. I have proof of emails received that show when statements were sent and when they weren't. There is a clear gap in those dates. I believe this fraudulent activity is leading to millions of dollars of late fees for their consumers. Can you investigate?
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated, my federally protected Comsumer rights to privacy and confidentiality under 15 USC1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 1681 section 602 A. Sates I Have the rights to privacy.

15 U.S.C. 1681 selection 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

. 15U.S.C. 1681. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

My Bank of America checking account ( checking # : XXXX XXXX XXXX ) was closed without any notice and any explanation. I called the customer service several times and asked why and they told me no reason for this closure just because some term of agreement notes the bank can close the checking without any reason ( case XXXX # : XXXX ). That's annoying but that's Ok. 

However, they first told me they will refund the remaining balance ( {$1500.00} ) to me soon but later When I called again because I never received the refund, they told me it's need reviewing and then can be refund to me and let me wait. So I waited as they instructed me and called again and again, they always told me still in review and ask me to call again after several days or one week. It's almost 2 months past since XX/XX/2020 but still no any proceeding about that. that's crazy thing. 

As we all know, most people are facing financial despair in such difficult and hard time with COVID-19 with recent Minnesota cutdown again for 4 weeks. This money was come from deposit of my husband 's unemployment pandemic Assistance ( $ XXXX/week ) and my partial bi-weekly payroll. it's definitely and completely legal. however, those fund in my checking account was frozen by the bank and without any reason for closure and now the bank are just keeping my money in their hand with just excuse of reviewing. I just need my money back to help me in such crazy and despaired condition. That's ridiculous and unreasonable to alway keep me money with limitless period time 's review. I am crazy waiting for too long time and still not know when to get back my money to maintain my life. 

So, please just quicken processing to finish your review and return my money ASAP!! I need my fund to support my family living, including my XXXX-year-old daughter.
Consumer complaint received 2020-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MI)

Ive received a letter of deletion and this company continues to resubmit this debt that Ive never owed, damaging my credit for the fourth time, this is very exhausting especially in the middle of closing on a house during a worldwide pandemic, which Ive stated before in the beginning of my home buying process months ago.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

My mortgage was transferred from a different servicer to Loancare in XX/XX/XXXX. With the prior servicer, I was in the habit of making weekly payments to pay down my debt more quickly. Loancare did not apply my payments for 3 months. When I called, I was told that Loancare does not accept partial payments. I pointed out that they had accepted them because they kept the money, just did not apply to my loan. Then it appeared that they fixed the problem, however, the woman failed to mention that the loan # on my payments was not correct. Then 6 mos of payments were not applied to my loan. I wrote to them. Emailed them. No response. I finally got in touch with a person who told me that it was the loan # that was the problem. Meanwhile, my credit rating has been destroyed. My tax statements are wrong and I can't file my taxes. Loancare has taken no steps to fix either. Keep in mind that during XXXX, I paid the equivalent of 14+ mortgage payments because as I said, I like to aggressively pay down my mortgage. So I fix the loan # on my payments submitted and for maybe one month, I think they got it right. My statement dated XX/XX/XXXX that said that I had overpaid. Loancare then deposited XXXX mortgage payments back into my account on XX/XX/XXXX and XX/XX/XXXX. My next statement, dated XX/XX/XXXX said that I was two months in arrears!!!!
Consumer complaint received 2018-07-18
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)

On XX/XX/2018, I filed a dispute with Experian concerning a collections account from XXXX XXXX XXXX ACCT XXXX. The company did not look into the collection and update as necessary. I have informed them during the dispute that I have received a letter from XXXX XXXX XXXX, on behalf of XXXX XXXX. I have provided them with a letter indicating the new collection agency. Experian has not done an investigation into the account, as I have received the results Tuesday morning, which shows that the problem has not been fixed.
Consumer complaint received 2017-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have requested and documented my efforts on numerous occasions the accuracy of my account with Navient, due to the outstanding high balance. So far, I have not received sufficient contractual signed agreements for all the student loans I am being held responsible for & I do not believe I am responsible nor agreed to the amount Navient is stating I owe. Navient has not been able to provide me signed documents showing I agreed to the loan amounts they are holding me responsible for. Instead Navient provided a couple promissory notes some in which are incomplete & do not match the balance I am being held responsible for. After many failed attempts to be gather this information I am hoping the CFPB can assist. I am once again requesting Navient to provide the exact copies of my signed agreement for each student loan I am held responsible & how my balance was figured.
Consumer complaint received 2020-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I called XXXX  and requested a reinvestigation of a previous dispute with XXXX XXXX XXXX. The company reported late payments on a paid, closed account. I called to request paperwork that could prove my payments were late and they told me they can't due to account being paid and closed. A company should not be allowed to report anything without proof, especially anything negative. I received dispute results from XXXX on today, XX/XX/XXXX, and the results were " Updated ''. The account is still inaccurately reporting late payments as well as a " Paid, Closed '' date of XX/XX/XXXX, when indeed the account was paid in full on XX/XX/XXXX.
Consumer complaint received 2018-07-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

I signed up for a payday loan, and whereas most agencies charge a reasonable fee, even for long-term payday loans. SpeedyCash is charging me {$1300.00} for a {$390.00} loan! According to the paperwork that's 634,88 % ... Isn't that a tad bit obscene? Most agencies charge like {$50.00} at the most for finance charge, even for longer term loans. Isn't that {$1300.00} just a tad bit excessive????
Consumer complaint received 2021-03-30
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 (TX)

PayPal closed my account on the XXXX of XX/XX/XXXX for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for 6 months, yesterday on the XXXX of XX/XX/XXXX made it 180 days but I'm yet to receive the mail on how to get my money out but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal because I had to wait 6 months but all to no avail. My email linked to my PayPal is " XXXX '' My paypal balance is {$3000.00} Date of limitation : XXXX of XX/XX/XXXX Date of release : XXXX of XX/XX/XXXX Unfortunately no response from them
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

My Citi Bank Costco credit card was stolen from my gym locker on XX/XX/2021 between XXXX and XXXX. The credit card was used to make a {$500.00} purchase from a XXXX location. Citi Bank alerted me to the likely fraudulent activity via the Citi Bank App. I attempted to use the app to lock the card and report the card as stolen. The app was unable to lock the card of course and gave an error message. I called Citi Bank and reported the card as stolen and the charges as fraudulent. I successfully reported the card as stolen via phone at XXXX on XXXX. A provisional credit was issued to my account. Following an investigation, the credit was reversed and I was held liable for this {$500.00} charge from a stolen credit card. The reason for this reversal is that a request for additional information was mailed to me with a due date in XXXX. I called and provided this information after the requested due date on XX/XX/XXXX. 
I should have called sooner, but I still reported the card as stolen within hours of having it stolen. The credit should never have been reversed and the information they required was not relevant to the fact that the card was stolen.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Back in XXXX I had an issue with a freeze on out in my report years ago. I could not remember the code to unlock it so I had to fax my drivers license and a utility bill. After 8 faxes I finally was told the freeze would be lifted and the XXXX XXXX removed. Now I call to ask why they have items over 7 to 12 years old still on my report and they tell me there is a freeze on my account. Apparently they never updated the account and only preserved the first fax that they say was unclear. This. Implant is so incompetent that they couldnt even generate security questions. I had the same issue with XXXX and XXXX  and it was no problem to generate security questions. I cant get an auto kaon because of the freeze and Transunion does not do anything they say. They LIE! 
I have no utilities in my name. They are in my moms name.
Consumer complaint received 2021-09-21
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. (MS)

I submitted proof of unverified late payments to all three credit bureaus showing how late payments had not been verified because they were showing differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sent them, however, that is not what I requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. XXXX and Equifax are also illegally reporting XXXX XXXX XXXX as " XXXX  '' every month since XX/XX/2019. XXXX and Equifax are showing me once deliquent on XXXX acct, this account was NEVER late. I am attaching proof of the inaccuriaces and proof of how the 3 bureaus ( Equifax, XXXX and XXXX ) are reportng unverified and misreporting information on my credit report, after several letters requesting information be investigated. They closed all my disputes and the mis information remains.