davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

Hello : I contacted the Equifax regarding inaccurate/unverified entries on my credit profile. There are 2 hard inquiries ( XXXX XXXX ) & ( XXXX XXXX ) that were nonpermissible & unauthorized. I was advised to contact the creditors regarding my dispute ; they were of no assistance & had no record/information. Equifax sent me a statement, indicating " inquiries are a factual record of file acces.. '' to contact the creditor. I have done so & the creditor had no record, no information & referred me back to Equifax. This unacceptable. 2 ) My credit profile as indicates a public record which is inaccurate/unverified. I was advised by equifax to contact the lister. I made contact, and provided a court letter therfore, they don't report information as they aren't reg by credit bureaus therefore, the equifax inaccuracies must be removed. Overall, based on my dispute, provided documentation, AFFIDAVIT & court letter. And clearly equifax is stating they verified, but as Equifax verification is obviously inaccurate, assistance is needed. My consumer rights are being violated XXXX & clearly reporting invalid, specious information. Due to equifax 's breach, i have redacted unncessary info and have supplied copy of letter received regarding my dispute.
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (GA)

This account ending in XXXX was opened fraudulently. I talked too the original creditor and they have stated in a letter that they did a fraud investigation and determined I am not responsible for this debt. The debt was sold to another compony called XXXX XXXX XXXX. Attached is my FTC report and the letter from XXXX XXXX Bank stating I am not responsible for this debt
Consumer complaint received 2020-11-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NM)

I was looking at the credit agency report for Experian in XXXX of 2020 and accidentally hit the button to stop receiving and reporting the information on all of my credit. I immediately wrote a letter to Experian requesting they continue the reporting of the credit for me and what had happened. I didnot receive a response. 
I then looked for my credit report today XXXX/XXXX/2020, the Experian report stopped in XXXX of 2020.WHY???? 
PLEASE HELP ME RECTIFY THIS.
Consumer complaint received 2017-04-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

convergent outsourcing, inc., is trying to collect a debt that is not mine. they say I owe XXXX but I do not owe any money to XXXX. same scam happened to me 2 years ago and I accidently sent XXXX to a different company that said I owed XXXX money. spoke to XXXX 2 years ago and they confirmed that I did not owe them any money.
Consumer complaint received 2020-09-10
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. (NY)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF ED/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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2020 I noticed a fraudulent transaction posted to my Bank of America, Maryland Unemployment Prepaid Debit Card. A total of {$200.00} was debited. I contacted the Bank of America Fraud department on XX/XX/2020 to start a dispute. The claim number was XXXX. I was told that I would be contacted regarding the investigation however that did not happen. On XX/XX/2020 I received a letter from Bank of America regarding the claim. The letter was dated XX/XX/2020, the day after I called to dispute. The letter stated " the above listed claim has been closed. '' Furthermore it states, " your claim has been closed because we believe the account or the claim has been the subject of fraud or suspicious activity. '' I am unclear as to what that means. The {$200.00} was never credited back to my account ; it remains as a debit. No information was given about the investigation or who committed the " fraud or suspicious activity. '' I was not given any further information or documentation. I do believe that this was a result of fraud on the part of Bank of America. There have been reports of similar fraud related to the Bank of America Maryland Unemployment Insurance prepaid card.
Consumer complaint received 2016-09-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (MI)

Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX, XXXX and now, attorney firm, XXXX XXXX XXXX XXXX. have violated multiple federal and state statutes. 

One of which relates to the submission of my complete loan modification package. This was never acknowledged, processed nor decisioned by any of these entities claiming ownership at various points in time of the account. To this day, it is unclear as to who the real owner of the account is? 
Also, there have been countless illegal, fraudulent and improper collection attempts made on me, my wife and my minor children in writing, telephonicaly and also in person by a XXXX man that literally interrogated my wife and XXXX children multiple times in our front yard about collecting monies, non of whom have any obligation whatsoever.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

I called upon an attorney years ago past to correct false reporting on my credit report from Experian. As a result I was dropped into Experian 's punishment group called " Special Handling ''. In order to dispute or get a copy of my credit report I have to spend days on and off the for many many hours to get a report or dispute. Depending on the mood of the Experian rep that day, I may get help or not get help. I was assigned a Special Handling rep named XXXX XXXX XXXX in Texas. This guy apparently has some bias toward as he ignores most my dispute complaints and treats me like a parent scolding a youngster. He is not fair or professional in his dealings with me. I have tried to get another person assigned... but I give up as Experian ignores my repeated request. The whole point I that I'm being punished and made to suffer for standing up for my rights and I shouldn't be. If any counsel out there reads the public disclosure of this and would like to make contact with me, please do so. Otherwise, Im in the hopes that CFPB can help beforehand.
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (WV)

I had a second mortgage with XXXX which sold the loan to US Bank and then was managed by Shellpoint mtg. I paid the loan off XXXX. When I tried to refinance, the lawyer doing the title search found that the release of the deed of trust was not done properly. I filed a complaint with you against Shellpoint mtg but they STILL did not get it right. The lawyer, XXXX XXXX, has e-mailed US Bank and they refuse to answer her e-mail. Until US Bank does a proper deed release I ca n't refinance or sell my home. If they have the authority to put a lien on my property, they should be made to release it properly when paid in full. This situation is ridiculous. XXXX is saying they released it properly but the lawyer is saying US Bank either needs to release the deed themselves or give XXXX mtg power of attorney saying they had the authority to release the deed of trust.
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

I received a statement from my mortgage company saying I did n't owe any money for XX/XX/XXXX. I followed up with a phone call and was told that in fact I did not owe anything for the XX/XX/XXXX payment. 
Three weeks ago I started receiving phone calls from the mortgage company and I told them if they has an issue with me they needed to send a written statement to my home. 
Now they are saying that I do owe for XX/XX/XXXX because they made a mistake. I said I would be happy to pay as soon as I get a written explanation of the error and a written bill for the missing payment. They refuse to do so. 
They are threatening to send me to collections. 
Please help.
Consumer complaint received 2016-06-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (NY)

Shellpoint Mortgage Services is reporting inaccurate information on my credit report. This account was included in my bankruptcy by they are commenting that foreclosure proceedings have started. That is not correct. How can an account I had included in bankruptcy also be in foreclosure? I even disputed this account directly with them and they failed to mark this account as being disputed which is a violation of the Fair Credit Reporting Act and a no-no when it comes to the FTC.
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (CA)

I am formally requesting that AMS remove the 30 day late reported on my credit report as it is INACCURATE. For account number AMS SERVICING INC XXXX we were never late during the month it shows on the report, please delete the 30 day late reported as it is incorrect and see my proof of payment that I made to the previous mortgage serviser!
Consumer complaint received 2022-09-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NH)

On XX/XX/XXXX I notified Freedom Mortgage that I was starting a new job on XX/XX/XXXX. I requested a little leniency ( No late charges & permission to make partial payments ) to re-establish my budget. While on this call, I made a partial payment of half of the mortgage amount with the next payment following XX/XX/XXXX hire, pending first paycheck. 

I was told that I was being provided a freeze, allowing me to make partial payments and no late fees until pending being up to date by XX/XX/XXXX. 

In XXXX, Freedom Mortgage reported a default late payment to my credit report as well as my co-signer. Our credit worthiness declined XXXX points. 

When I asked Freedom Mortgage the reasoning for this action against me, they stated they would conduct an investigation because there was a freeze on my account. Leading me to believe there had been an error. After a week of investigating. they instated that the freeze on my account did not cover negative reporting. They said I should have asked for a forebearance. This was something that shouldve been offered, but wasnt. My consistent payment history was not considered nor the effect of the negative reporting on my financial record with the credit bureaus affecting my credit worthiness and credibility. 

The negative reporting has tarnished my credit report as well as my co-signers excellent credit worthiness, plummeting both scores by XXXX points.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX 2020
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have XXXX cards with Capital One, it was an attempt to rebuild my credit. This company business parctices and interest rates is slavery. I made XXXX cash advance a year ago and still am being charged interest on that. The interest that i pay for any purchase is well over my monthly payment. Its like a hole that you ca n't dig yourself out of. It 's ridiculous!! I do not use either card, and have not since last summer XXXX XXXX XXXX and still have no money for purchases due to the interest. Im being charged interest on making a payment too.
Consumer complaint received 2022-02-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

On several occasions I've contacted Navient in order to discuss my account. Each time there seems to be a disconnect or some sort of deception. One instance I 's speak with someone and we will come to an agreement on the solutions to repayment then the next time I speak with someone they act as if they have no idea what I am talking about then it becomes a back and forth debate. I am certain there are notes for representatives to refer to because I used to work in a call center so I am familiar with the practices. On yesterday, XX/XX/2022, I called and spoke with someone and he proceed to quote me false/misleading information and when I told him the information was incorrect that is when he all of a sudden sees what I am talking about. Then when I asked to speak to a supervisor he put me on hold for an extensive amount of time and returned to the call himself. I then complained to him that I asked to speak with a supervisor, she then pops on the call suddenly as if she was listening to our conversation. I asked her had she been listening she then began to get defensive and irate. Then suddenly our call was disconnected with no return call. Very unprofessional. This is not the first time this has happened either. On XX/XX/2022 I received a call from a rep at Navient, he proceed to read off past due balance and account information and when I told him that was incorrect we somehow got disconnected again with no call back. Is this the new practice? I am also writing this complaint because the company does not offer any reasonable repayment options especially since we are in a time that we are recovering from all sorts of financial hardships. Any lower payment options allowed are interest only ( not going towards principle ) and temporary and only approved if put your bank account information for them to auto deduct. Insane!
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

I opened an Exxon Mobil credit card in XXXX 2014 account number XXXX. The account is in good standing and is correctly being reported to XXXX and XXXX. However, it is not reporting to XXXX. I contacted XXXX and they said the account is not being reported to them and I would need to contact the creditor. I contacted Citibank ( issuer of the ExxonMobil card and they confirmed they are reporting my account to all XXXX credit bureaus. I keep getting the runaround.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

On XX/XX/XXXX, i filed an online dispute for a late payment against the credit card company XXXX XXXX XXXX. Not only did Experian fail to properly investigate the late payment, but they also failed to properly notify the company of the reason of the dispute. XXXX XXXX XXXX  is inaccurately report on my credit report wrong information. Experian failed to do an proper investigation which usually takes 30-45 days. My results were updated but Experian failed to tell me what exactly was update lack of information on their part in a dispute that should have fixed a blatant error.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Dear Sir or Madam I am writing to dispute inaccurate information contained within my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity and accuracy of the negative information listed on my credit report. I have carefully reviewed my credit report and identified several inaccuracies, including but not limited to Incorrect addresses, Wrong phone numbers, Inaccurate employment information. These inaccuracies are detrimental to my financial well-being and may negatively impact my ability to access credit and other financial services. As such, I am requesting that all incorrect information be promptly removed or corrected in accordance with FCRA regulations.Under FCRA Section 611, consumer reporting agencies are required to conduct a reasonable investigation into disputed information and, if found to be inaccurate, incomplete, or unverifiable, to promptly delete or correct such information. Furthermore, FCRA Section 605 requires that consumer reporting agencies maintain accurate information and ensure that consumer reports contain only information with a permissible purpose. I am also bringing this matter to the attention of the Consumer Financial Protection Bureau ( CFPB ) for further assistance in resolving this dispute. I have submitted a complaint to the CFPB outlining the inaccuracies in my credit report and requesting their intervention to ensure that my rights under the FCRA are upheld. I request that you conduct a thorough investigation into these matters and provide written notification of the results and any actions taken to address this dispute within the timeframe specified by FCRA Section 611. Thank you for your prompt attention to this matter
Consumer complaint received 2022-08-15
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. (NC)

As submitted to the CFPB on XX/XX/22 complaint number XXXX, Equifax confirmation XXXX XXXX Equifax reinserted previously deleted accounts # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX were reinserted into my credit file without notice. As a result of the complaint, EQUIFAX DELETED XXXX XXXX XXXX, XXXX DELETED, I pulled my credit report confirmation number XXXX and EQUIFAX has reinserted previously DELETED accounts and once again did not provide notice per the FCRA. XXXX XXXX XXXX Reinserted violation XXXX reinserted previously DELETED violation Reinserted XXXX XXXX XXXX previously DELETED violation
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was informed on several occasions that my account was restricted and that I was unable to make a payment until it was resolved however, in the meantime the Capital One continues to report to the credit reporting agency of missed payments when actually I have tried to make payments several times in the last 3 months
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stuart-Lippman and Associates, Inc (CA)

My ex wife did not pay a bill owed to XXXX XXXX XXXX. 
I have contacted them and they know it is not my bill. And since 2008 this has been on my credit report causing me hard ship and paying higher interest rates. I have asked and they have said they would remove this over XXXX times now. Staurt & lippman collection agency is located in XXXX Arizona, Home OfficeStuart-Lippman & Associates, Inc. 

XXXX XXXX XXXX XXXX, XXXX XXXX, Arizona XXXX Toll Free : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX the trouble it has taken me to try and remove a collection account for {$100.00} dollars, that is not even mine. 
this is an out rage. Shame on them for doing this to a person
Consumer complaint received 2016-10-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

On XXXX/XXXX/2016 I requested that Citibank close my checking account # XXXX. On XXXX/XXXX/XXXX I was charged a {$12.00} low balance fee. The next day, XXXX/XXXX/2016, I was charged a {$34.00} overdraft fee leaving my closed account {$46.00} overdrawn. This is not the first time Citibank has charged me excessive fees on a closed account ( see case # XXXX ) and this indicates a pattern of charging excessive fees. I want Citibank to refund all fees a close this account.
Consumer complaint received 2015-05-25
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (FL)

I just would like the XXXX Federal Government to do what is right byrequiring that all nonbank institutions ( ex. PayPal, XXXX XXXX, andVenmo ) become FDIC insured. Doing so would prevent financialdisaster for many customers if their nonbank institution were to ever gobankrupt. It 's just better to be safe than sorry!