davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC (CT)

I went into a forbearance plan in XXXX of XXXX when Covid hit. During this process i made sure to connect with my assigned contact to make sure that this would not affect me in any negative way. I was assured that there would be no problem fast forward to XXXX of XXXX my Forbearance was ending and i would resume my payments. I was specifically told my my point of contact that I would resume my payments in the month of XXXX so I called in to make my payment for XXXX. I was sent a loan modification agreement at the beginning of XXXX that needed to be notarized. Per my point of contact I was to NOT pay the month of XXXX because of the delay in getting the loan modification agreement. Since then i have received a total of 6 Loan modification agreements because of errors made either by Shellpoint Mortgage or the XXXX. I have sent everyone of these in ; in a timely manner. Because of others mistakes I am now paying the price which is not fair. Shellpoint Mortgage is reporting tho the credit bureau that I am not making my Mortgage payment when I indeed have been paying it since XXXX as i was instructed to do. I have tried a number of times to get this fixed and taken of my credit with no luck. Every time I call i get no where ... this is costing me a lot my credit went from a high XXXX down to a low XXXX. Please help I have no fault in this.I filed a formal complaint with Shellpoint and received a letter saying they were going to look in this but I have not heard anything else since. I have never payed my mortgage late. since the first reporting Shellpoint has gone and sent a second reporting of me not paying which is not accurate at all i have my bank statements that show I have been paying. I was told that the reporting would keep happening until they receive a complete agreement. as i mentioned i have sent in 6 of these agreements but they are not accepted because of errors Shellpoint made or the Notary made... I need to get the reporting of my credit report and have them stop reporting because again i have no fault in this delay. I appreciate your time with this matter and hope that i can get some help with this issue.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (PA)

PNC ( my bank ) has been denying my requests to connect my bank account to numerous apps. I have discussed this with this multiple times and they promised it would be fixed and/or it is a problem with the company that creates the connect between the bank and the app. Which is have found to not be the case.
Consumer complaint received 2021-10-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX Balance : {$160.00} Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) Account Number : XXXX Balance : {$1900.00} Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$500.00} Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$480.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$1500.00} I am formally filing a complaint against Equifax, XXXX, and XXXX. I have been disputing these collection accounts with the credit bureaus since XX/XX/XXXX. I also have disputed this directly with the collectors XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I was asking these collection companies and credit bureaus to simply validate the reporting of these accounts. I'd like to exercise my rights as a consumer to ask for the validity of the accounts I have mentioned above. I am trying to get approved for credit and I am not able to do so because the number of collection accounts that are reported in my credit report. 

I have not received sufficient documents from both the credit bureaus and third party collectors proving that these collection accounts are valid and 100 % reporting compliant with the reporting regulations as mandated by FCRA and FTC.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (OH)

I cancelled a travel reservation through XXXX.com on XX/XX/2020 and was emailed a receipt XXXX after calling them that showed a refund amount of {$350.00}. They have refused to refund the amount, I started a dispute with my XXXX credit card, and they ruled in favor of the merchant. Im pretty sure they didnt even look at my paperwork or the email receipt, because its pretty plain to see that they agreed to refund me.
Consumer complaint received 2021-04-08
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. (WA)

I have had problems with experian since I did their free trial and then one of my credit cards gave me a free account with them.they dropped my score and told me to fix it I needed to pay the XXXX dollars a month.XX/XX/XXXXI got email.says that my score was ready went into to check, it said that I had a credit increase of XXXX points and went from good to very good, then 30 seconds later says I dropped XXXX points, so I went up XXXX  and dropped XXXX all in the same hour, I have excellent credit, a very Stellar payment history excellent I am very responsible with all of my credit cards make multiple payments per month and never carry a balance my XXXX and XXXX  is XXXX I do realize that they're not to be the same as the other ones but I have never seen a score go up and then go down all in the same hour of the same day
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Charlottesville Bureau of Credits, Inc (MD)

I applied for a credit card and was denied. When looking at my credit record to determine why, I found a " medical debt '' reported by a Valley Credit company that I have never heard of. I received no notification ( s ) from Valley Credit or anyone else about any potential medical debt that I might owe, or given any opportunity to request more information about or dispute. Isn't this a violation of my FCRA rights??
Consumer complaint received 2017-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MN)

I have previously filed complaint and they did respond but with their response they stated that one of my accounts with them could stay open as it was opened after initial filing date of chapter XXXX bankruptcy. I did call and leave a message, got a return call missed it, called back and still after a week or more no return call.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion Fail to provide notice of dispute sentence on my credit report which is a violation of my rights as a consumer. According to FDCPA Section 807 ( 8 ) A person have 30 days to update consumer report with a notice of dispute sentence on credit report and that was not done on a lot of my accounts which I would attach proof with to this complaint I disputed with The CFPB on multiple occasions. Some Bureaus was giving more then 30 days still no update so this a violation of my right delete these account immediately From XX/XX/year> to XX/XX/year> and even before that NO NOTICE OF DISPUTE was done to my credit delete immediately for INACCURACY AND VIOLATION OF MY RIGHT FDCPA Section 807 ( 8 ) 807. 
False or misleading representations [ 15 USC 1962e ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 


FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2| ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Consumer complaint received 2020-05-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern, I recently looked at my XXXX XXXX account and noticed an inaccurate information on my transunion account in derogatory marks. Some random collection agency is saying i owe them money that I do not owe them. I never authorized money that they claim. Anything Involving cell phones was solved years ago. So I am unsure as to why transunion and this collection agency are saying I owe money when I do not. To my understand 4-5 years ago I had a XXXX XXXX XXXX  phone i transfered over to XXXX  on a promotion that XXXX would take care of any payment money if I switched over which I did. So I am unsure as to why XXXX XXXX XXXX Is  saying unpaid when I was right there at XXXX  when they got paid over the phone. So to me this inaccurate. I also have proof with XXXX has it is not shown on there because I do not owe this money in collections that I am being accused of. If anybody wants to contact me directly regarding said matter please feel free to call me. I just want this inaccurate information removed from credit report asap. Attached doucments are equifax where it does not show the item and ill also send you the transunion where I am being accused by a company named enchaned recovery. Again to my understanding this was all taken care of years ago.
Consumer complaint received 2021-10-15
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I called XXXX Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a XXXX XXXX on my Equifax credit file without my authorization, they could n't help me.
Consumer complaint received 2020-10-30
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: Southwest Recovery Services, Inc. (TX)

To whom it may concern : My name is XXXX XXXX XXXX and the reason I am writing is to inform you that I have been trying to get with XX/XX/XXXX, but am very upset for their lack of response and reporting. I have done every step they recommend on removing false accounts that are reporting and yet I'm still waiting waiting for a response. It has past 30 days multiple times and at this point, and still the issue has not been resolved. I still see that they are reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2019-05-18
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 — Was not notified of investigation status or results
Company: USCB, Inc. (CA)

this alleged account was removed from my credit report early last year, and now you bring it back with out a 5 day notice of reinsertion in writing. this alleged account was removed because XXXX XXXX has no proof of service nor my signature on this alleged account please remove account or show evidence that I made this account with proof of service and my signature. there must be some mistake in billings or something
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have received a letter with instructions to receive my FREE annual credit report from XXXX XXXX. 
This report is not FREE, as it is NOT being processed. Their telephone and website links are failures. The phone link will not get my clearly stated address correct ; the web link will not get past the security letters. I am accusing this credit reporting organization of intentionally avoiding provision of a FREE credit report from the 3 credit bureaus.
Inquiry ( my information ) Purpose : loan refinance, XXXX XXXX XXXX XXXX-2017
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I went online last night to try and get assistance with our mortgage due to our hardship caused by covid saw they still showed me in bankruptcy so i uploaded my discharge. Called today XX/XX/2020 at approx XXXX XXXX spoke with XXXX he saw my discharge papers then call disconnected then called back at XXXX XXXX spoke with another gentleman transferred me to BK dept spoke with XXXX she said she saw discharge and i was in CH XXXX and i corrected her said, " never in a XXXX it was ALWAYS a CH XXXX '', she said they need to correct that but she said '', you have exhausted all your options anyways and we need to correct the issue which can take 30-60 days '', I told her I was never given options and she said I had a modifcation and I said yes it was years ago and now with covid we are having issues. She said there is nothing, I asked her about a forebearance and she declined said there is nothing to offer me. I told her I would not be paying my mortgage this month due to our hardship and she can get her stuff together and do what she needs to and i will too and hung up.
Consumer complaint received 2020-07-21
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: AMERICAN EXPRESS COMPANY (CA)

Hello on XX/XX/20 I was aware of a XXXX XXXX account reporting in my name that I never opened up. Upon filing a complaint with XXXX XXXX they have assured me there is no store card in my name. I am trying to make sure there is also no AMEX account in my name as I did not open up this card
Consumer complaint received 2019-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion had my mortgage listed as being included in my Chapter XXXX bankruptcy ( discharged in XX/XX/XXXX ) and didnt have anything listed about my many years of on-time payments, nor the open status of the account. I disputed this and instead of updating their records to reflect the correct status of my account, they deleted the account from my credit report entirely in XXXX of this year. 

When I contacted TransUnion via phone, I was told that deleting the account was the only way to correct the information on TransUnions system, as it would then be replaced with the correct and up-to-date information my mortgage holder, XXXX XXXX, would be reporting to them. The man I spoke to said it should update automatically, but if not, directed me to contact XXXX XXXX. 

In a letter dated XX/XX/XXXX, I contacted XXXX XXXX since my mortgage still wasn't appearing on my TransUnion file. In a XX/XX/XXXX phone conversation with XXXX XXXX of XXXX XXXX I was informed that XXXX XXXX had been reporting my open mortgage account to all of the major credit bureaus as of XX/XX/XXXX and that any error was on TransUnion 's part. 

I believe that this issue is negatively impacting my TransUnion credit score.  XXXX and XXXX both have my XXXX XXXX account listed and with correct payment information. My FICO XXXX score from XXXX is XXXX. Per XXXX, my XXXX XXXX XXXX score is XXXX and my TransUnion XXXX XXXX score is only XXXX.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In JXX/XX/2020 i payed off the largest loan on my credit, XXXX or so dollars via the collection agency that had been hounding me relentlessly for XXXX ( XXXX XXXX XXXX  ) and i negotiated that i would pay the entirety at once in return for the account being wiped off my credit within 2 reporting dates and even though i held up my end of the bargain and was told 10 days later it would be reported i have seen nothing after 2 months. i can provide the email conversation with the representative and the receipt of debts paid
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

My complaint is with Experian. I have successfully cancelled my membership, but their website makes it ridiculously difficult to do so. 

The link to cancel an account is buried within the help/support menu. Once clicking on that link, it took me to a page where it gave me information on 3 different plans. No clear link to cancel the membership. There's a tiny bit of text near the bottom that says " not interested in any of these? Contact us. '' After clicking on that link, a pop-up window appeared to contact them by phone or e-mail. I contacted them by phone and had to wait on hold for about 10 minutes. When I finally did get a person on the phone, I told her that all I wanted to do was cancel. She then began to belabor the process by convincing me to keep my membership active. 

Although I was finally able to cancel, this is an extremely poor business practice. I will never use their services again. They're supposed to be in the business of helping people get ahead financiallyinstead they make every effort to bleed you dry. Companies that make it very misleading and painfully inconvenient to cancel need to be held accountable.
Consumer complaint received 2020-10-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc (NV)

Plus Four Inc, is a collection agency that was hired by XXXX XXXX XXXX in XXXX XXXX, NV This company tends to manipulate the amount by increasing the amount of their claims every month for the purpose of negatively affecting the customers credit profile by lowering the scores. The claimed that I owed a {$100.00} and not it is {$120.00}, which was increased intentionally to affect my credit report Same company went ahead a posted an amount of {$770.00} on my, also posted a {$340.00} amount to show that I had paid down the amount and only owed the {$340.00} as of date. They refused to show proof of validation of the amounts of {$120.00} and {$770.00} and I request that they remove the entire accounts from my credit under the FCRA regulation of false statement to collect. This is an illegal tactic to collect, and should be deleted from all credit bureaus.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

I was Identity Theft-ed and a unemployment insurance was filed against me which I believe prompted the issuance of this USBank XXXXcard.  Of course I destroyed the card and tried to reach USBank 's number that was on the letter that came with the card to tell them I don't want this card. The person said they are not associated with the XXXXcard program and that they couldn't do anything about it. She then transferred me to the fraud department for the XXXXXXXXcard and it was an automated teller that instead of taking my information was proceeding to activate the card! I did not proceed and hung up. Why is then their number on the letter that came with the card if they are not associated with the card? There were other numbers on the letter which all said they can't do anything about the card. I just don't want any charges sent to me from this card in the future is the reason why I wanted to call someone and say that this was fraud based.