davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

XX/XX/2020 Attention Equifax Fraud Department, I am demanding that you remove these fraudulent accounts that you have listed on my credit file. I am currently waiting on the outcome of a lawsuit in regards to the Equifax Data Breach this security breach resulted in millions of consumers including myself to fall victim to identity theft. My personal information was compromised and used to secure fraudulent accounts. If you refuse to remove these fraudulent accounts from my credit file, I will move forward with my lawyer and file a motion to sue your company in state or federal court. At that time, I will ask to be compensated for my time, refunded for actual damages to my credit file, as well as compensated for my mental and physical health as this fraudulent information listed on my credit file has caused me a great deal of stress. My lawyer has advised me to contact the FTC and the CFPB, which I have done and attached the documentation for permeant removal of these fraudulent accounts. 

If you refuse to remove these accounts from my credit file, I will give my lawyer the OK to file a motion against your business in 8 business days. You must provide me with debt validation documentation, by law which is legal documentation of the Section 609 of the Fair Credit Reporting Act Attached is my legal FTC report, I am also awaiting a hard copy of my police report that I have also filed. I hereby state that all information I have provided is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete information. 

The following accounts should be removed from my credit as soon as possible. 
1. XXXX XXXX XXXX {$4000.00} 2.Us Department of Education {$9000.00} 3.Us Department of Education {$4300.00} 4.Us Department of Education {$10000.00} 5.All unauthorized hard inquiries
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  XXXX XXXX account # XXXX. My address is XXXX XXXX XXXX XXXX XXXX, Florida. On XX/XX/21, I contacted XXXX XXXX XXXX XXXX to advised the credit that the information reported to the credit bureau is not correct. The account had charge off and report an balance. Due to the fair credit reporting act companies are not allow to report charge off with an outstanding balance to the credit bureau.
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

Received a letter from XXXX XXXX  dated XX/XX/XXXX, informing me that our two mortgage loans were being sold to Shellpoint Mortgage Servicing and that payments due after XX/XX/XXXX, should be sent to Shellpoint. 

I waited until the XXXX to hear from Shellpoint but received no further information. I called them on XX/XX/XXXX and was informed that I should wait until they send me their first monthly statement. They said we have a 60-day grace period to make payment due to the transfer of servicers. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  with no return address or other contact information. This letter told me to make the mortgage payment to XXXX  XXXX  and further, said, PLEASE DO NOT MAKE PAYMENTS TO THE NEW CREDTOR. I immediately paid XXXX XXXX  electronically, for both loans. 

On XX/XX/XXXX, XXXX XXXX  returned on payment of {$1800.00} XX/XX/XXXX email today, I received an email from Shellpoint saying they have no record of my payment for loan # XXXX. There was no further information as to what property it related to or, how much I owed. I tried several times, to call Shellpoint 's contact number ( XXXX ) as posted on their website as well as on their email. Each time, an automated message told me that this is not a working number. 

AT NO TIME THUS FAR, have I received any communication ( except email on the XXXX ) from Shellpoint, to inform me as to where I should pay and what reference numbers I should use.
Consumer complaint received 2019-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Hi, Recently I submitted identity theft investigations to all three credit reporting agencies XXXX, XXXX, and Transunion. After receiving confirmation that the XXXX account in all three reports was deleted because it was fraudulent the XXXX company keeps on reporting it again. I don't know what to do, and it's already been deleted and it keeps coming back. Can you please delete it again and inform XXXX that this is a fraudulent account and to not report it again please? 

Thank you, XXXX XXXX
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have several inquiries on my credit report that I don't recognize which are 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 I even wrote out some of the duplicate inquiries on my report.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is XXXX XXXX posting payments to my account. The payments are made via online banking via transfers - from a checking or savings account - to my credit card ... and any such payment, no matter the size ( nearly always under {$XXXX} ) takes multiple business days to process. 

In the XXXX century, that would have been reasonable. This is the XXXX.
Consumer complaint received 2020-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NY)

American Education Services currently services my XXXX  FEDERAL loans which currently qualify for the 0 % interest rate set by Congress. They are still charging all of their customers interest and are not automatically putting loans into forbearance. I also have loans serviced through FedLoan which shares the same contact number as AES. Why is AES getting away with this?! They're telling customers that our loans don't qualify ( they absolutely do and absolutely are not private loans ) or that they'll reimburse us all the interest after XXXX. Please put a stop to this!
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (VA)

Capital Accounts attempted to collect a debt. I did not owe the debt and asked for more information. I received a letter from them on XX/XX/18 confirming that the account was cancelled and has been removed from three national credit bureaus. I received another call about the same debt on XX/XX/18 and told them the account has been cancelled. I faxed over the letter that they sent me stating that the account was cancelled. I asked for a response in writing, which I did not receive. They called again today trying to collect the debt.
Consumer complaint received 2019-05-16
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. (IN)

My identity was compromised while serving XXXX. During this time a fraudulent account was opened in my name by XXXX XXXX XXXX. I demand that this item be removed immediately from my credit report.
Consumer complaint received 2020-12-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (FL)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

The successive, large, and multiple insufficient payments on my card in 2017 were not authorized, not mine, and were not drawn on my bank account. The payments were immediately available for purchase. The payments then bounced, and forced my credit limit to be exceeded. I did not have control of the fraudulent payments.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

Experian Credit www.experian.com Does not offer any live human customer support. I tried for 45 minutes going through the various automated prompts and then XXXX any other numbers and found multiple other people had the same problem. They keep redirecting you to their website options and by no means can you get a live person. Absolutely unfair and I feel unethical for a company that holds so much weight in our lives controlling our credit scores and you can't get anyone to help you. 

Here 's the main customer support # on their site ( and I tried many many others ). Same result. I called well within hours of operation also. 

XXXX Hours of operation : Mon - Fri : XXXX XXXX - XXXX XXXX   PTSat - Sun : XXXX XXXX - XXXX XXXX PT XXXX XXXX
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

Our email system was hacked and the hackers sent us wire instruction to wire {>= $1,000,000} ( XXXX XXXX XXXX dollars ) to a business account with JP Morgan Chase. Later we learned that the business was newly setup in Texas and the business bank account was setup in XXXX, Hawaii. Shortly after the {>= $1,000,000} was transfered by us, we realized it's a fraud and tried to contact JP Morgan Chase Bank for recall of the wire. However, the fund was already transfered out Chase Bank and used by the frauder to purchase crypto cerrency. 

Chase Bank, as one of the major finacial bank in the world, faild to protect the fund. Even though we didn't know the account history by then but it should have been very clear to Chase that XXXX the account was opened remote, XXXX it was setup newly, XXXX it never has any fund transaction until this large amount, and XXXX the fund was immeditally transfered out. It should be obvious to Chase there was some thing wrong about this transactions. However, Chase didn't do anything about it. When Chase openned up the account for the business, not enough XXXX has been done to make sure this is a legit business account and the person who open up the account is really with this business. Chase 's failure resulted our loss of millions of dollars. 

I believe many more have been victom of frauds which a financial instituion like Chase can stop.
Consumer complaint received 2022-08-13
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. (CA)

On XXXX of XXXX I wanted to see if I have good credit to qualify to get a loan for a car. I downloaded my credit report and I seen I have a lot of inaccurate information and unauthorized accounts in my credit report that I dont recall or ever remember me signing any invoice on this accounts .Ive tried writing letters to the debt collectors and contacting the 3 major Bureaus as well to fix this problem.still no resolution.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (PA)

In going through a divorce 12-13 years ago this debt became part of my credit report. Impossible for me to pay as I had a XXXX injury surround this same period of time and was left in terrible condition after XXXX XXXX  XXXX. The company must have sold the debt or something and now it appears to be a new debt but it is actually from 2008 not in the last year. Im hoping this can be removed as it will be 13 years next month. Thank you
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

NewRez - Shellpoint Mortgage Servicing continues to be unable to provide accurate records and accounting of payments made. Have been trying to close out the mortgage for 3 months but continue to be provided with incorrect payoff statements. Accounting errors go back to XXXX of 2020. I have provided accounting that is clear of fees but NewRez can not find any errors in my accounting and at the same time does not understand their own accouting. NewRez accounting is full of false fees and credits that make their statement impossible to understand. They continue to put money in an escrow account when the property has been sold. Application of the escrow to the principal and the removal of recent late fees and property inspection costs on a property that I no longer own will bring the mortgage balance to zero. They should also provide proof of cashed checks that they claim to have provided as escrow refunds.
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of late accounts on my credit report. It has come to my attention that there are multiple instances of late payments listed that are not reflective of my payment history and are in violation of the Fair Credit Reporting Act. Upon contacting the banks, I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the cfpb.It is imperative that these inaccuracies be rectified promptly to ensure compliance with the law and to uphold the integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX of XXXX I wanted to see if I have good credit to qualify to get a loan for a car. I downloaded my credit report and I seen I have a lot of inaccurate information and unauthorized accounts in my credit report that I dont recall or ever remember me signing any invoice on this accounts .Ive tried writing letters to the debt collectors and contacting the 3 major Bureaus as well to fix this problem.still no resolution.
Consumer complaint received 2022-08-13
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. (TX)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. 
Here are the ITEMS that needs to be removed in my file : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXXBankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (TX)

XXXX XXXX XXXX XXXX XXXX Open date XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX Acct # XXXX Open date XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  Acct # XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) This is not my account. I have no knowledge of this account. 15 USC 1681b
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

I called Experian on XX/XX/2021 at XXXX XXXX. I explained that I have a paid membership and an not able to access an updated credit report with Experian online. I also told them I am not able to view the other two credit bureaus either which is one of the benefits of having the paid membership. I was transferred several times with no resolution.
Consumer complaint received 2019-05-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (OR)

I took out a {$300.00} dollar loan in XX/XX/XXXX. I did not know at the Time that I was going to have to pay back more than {$1000.00} on this loan. I also did not get the information that I would have to pay {$58.00} every 2 weeks until after the loan was processed. I can pay this I never would have done this is I would have known my payments were so much. 
This company also has harrassed me continually with emails phone calls and text messages with offers for more loans. I have asked them several times to stop this yet it continues every single day. They also shared my information with other company 's so I now get there communications every day. This company is very predatory and it did not provide me with full disclosure when I got my loan. They should be penalized for the way they act and for the continuing text, calls and emails I am still getting.
Consumer complaint received 2023-02-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was scheduled to make my first payment XX/XX/XXXX in the amount of {$770.00}. 
I opted for a new due date. I wanted to change the date from the XXXX to the XXXX of the month. 
In order for this to happen, I had to make a payment {$230.00} to carry me over to the XXXX of XXXX. I made a {$250.00} payment. When the XXXX of XXXX came around they were stating I was late. I called back. I explained what I did to change the date. The representative did not seem to understand. To avoid arguing, I made promise to pay the remaining {$530.00} before the XXXX of the month in order to setup the new due date. I made a payment of {$530.00} on the XXXX of XXXX. Today I received notification that my account had been drafted in the amount of {$530.00} again. I feel like I'm being taken advantage of and they are not trying to listen and properly resolve the matter. I only want to make my payments on time and pay on the XXXX of the month. I am upset right now because the took {$530.00} from that I do not recall authorizing, plus stating I was behind on my payments. I wanted my money back but I'm not sure this matter will be resolved accordingly.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2019 collection agency XXXX XXXX reported an open balance of {$1000.00}, I contacted the original creditor XXXX, XXXX and Experian to advise them this was included in Chapter XXXX discharged bankruptcy. They have refused to update the balance, report the account as Bankruptcy and will absolutely not respond to my right under the Federal Bankruptcy Law.
Consumer complaint received 2021-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KLS Financial Services, Inc (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Consumer complaint received 2020-10-27
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. (CO)

In XX/XX/XXXX my husband and I got a divorce. Per speaking to a XXXX XXXX representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. 

I have contacted XXXX XXXX and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. 

My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (FL)

I have cancel my card as soon I found out they took an yearly fee. I told them I do not want another year and they refuse to refund. I told them to cancel my card. I get a bill for XXXX 2 month later. I try to tell them they owe me money ... and they hang up the phone. I feel I been taken advantage.