davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MD)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX  / {$2800.00} / XX/XX/2021 XXXX XXXX {$0.00} / XX/XX/2021 XXXX  / {$0.00} / XX/XX/2021
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (SC)

In XXXX I contracted XXXX and was hospitalized for 3 months where I battled the XXXX and almost XXXX. Because of theXX/XX/XXXX I was out of work and fell behind on my mortgage payments while I suffered from residual affects of XXXX. I went through the cares act Covid-19 forbearance with SHELLPOINT MORGAGE SERVICING for 12 months. In XXXX of XXXX SHELLPOINT MORGAGE SERVICING agreed to a mortification of my loan. I began my trail payments of {$1600.00} onXX/XX/XXXX, and I made all my payments on time each month for the 6 month trail ending in XXXX XXXX. I even made an extra payment of {$1500.00} and {$150.00} and XXXX because SHELLPOINT MORGAGE SERVICING said I was behind and they just held the money in unapplied status to my loan even as of today. I then received a letter on XXXX saying that I am not eligible for the loan modification because I withdrew my request for a loan modification before the evaluation process was completed, which is totally untrue I never withdrew from the modification process. 

SHELLPOINT MORGAGE SERVICING is FRAUDULENT because they lied and said they did not receive my payment and held the funds in unapplied status. 

SHELLPOINT MORGAGE SERVICING is DISCRIMINATORY because the lied saying I withdrew from the loan modification process which I did not because I am an XXXX XXXX.
Consumer complaint received 2021-06-02
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. (IL)

I have filed a dispute with all three Credit Bureaus on three different occasions which were all through letters mailed out to them on XX/XX/21, XX/XX/21, and XX/XX/21. These disputes were on an inaccurate late payment that was reported on a Real Estate mortgage that was ultimately paid off. Also I disputed a slue of inquiries that weren't authorized by me. I have yet to hear anything about the results of these disputes.
Consumer complaint received 2023-02-22
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. (MS)

I have contacted Equifax in regard to a reporting account that has some discrepancies. 
XXXX is reporting a balance for a civil matter, I do not owe any money and they have failed to provide me with any type of verification. They are also reporting last payment XX/XX/XXXX oppose to XXXX has last payment date as XX/XX/XXXX. There is no way this account is accurate. Late payment reporting, etc are all incorrect.
Consumer complaint received 2022-04-28
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-28
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2020-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TN)

I received a notice from the state of Texas that Western Union had turned over a money order payable to me in the amount of {$2900.00}. I am unable to collect it through the state of Texas 's unclaimed funds program as I do not have a copy of the original money order per their policy.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MD)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX  / {$2800.00} / XX/XX/2021 XXXX XXXX XXXX/ {$280.00} / XX/XX/2021 XXXX XXXX {$0.00} / XX/XX/2021 XXXX  / {$0.00} XXXX
Consumer complaint received 2022-01-09
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. (KS)

I noticed two hard inquiries on my report today. The inquiries are dated XXXX XX/XX/2022. I did not apply for any new line of credit. I tried to contact both creditors. XXXX did not answer. XXXX XXXX was the other creditor. The clerk was able to assist me concerning this inquiry. I was asked for my XXXX which did not match. I was asked for my name she informed me an application was submitted in California. The application was for XXXX XXXX store. I did not apply for either of these accounts and will continue to attempt to contact XXXX as well. Please assist with this dispute. I have tried to submit dispute online without success.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NC)

United Wholesale Mortgage, {$25.00} bad check fee charge. 

Date happend : XX/XX/2021 Double charged for a month causing my bank account to get overdraft fees as well as giving me bad check fee. 

Called company, emailed company 4 different occasions got responses avoiding the questions and directing towards calling and emailing within 4 months.
Consumer complaint received 2018-03-04
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. (AR)

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail.
Consumer complaint received 2021-01-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (CA)

Company infringing on my perfectly healthy credit score, and hasn't Validated nor Verified the " Debt '' This is completely out of the norm ; and I'm highly confused about what is owed and why? Please help me with this issue..
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One has reported that my credit card is overdue and that I have missed two payments. They have sent this information and as a result my credit score has dropped significantly. I explained to CapitalOne that I am a member of the United States XXXX XXXX and that I was unable to make payments due to being away from home for extended amounts of time. Also I was not aware of the autopay feature when I applied for the card. I believe that CapitalOne took advantage of this and as a result my account went delinquent. I have never missed a previous payment and I am a loyal customer.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Im accordance with the fair Credit Reporting Act # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a Credit Card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXBalance {$0.00} XXXX XXXX XXXX-Balance {$400.00} XXXX  XXXX-Balance {$1000.00} XXXX XXXXXXXX-Balance {$590.00} XXXXBalance {$1900.00} XXXX  XXXXBalance {$20000.00} XXXX  XXXXBalance {$1100.00} XXXX XXXX XXXXBalance {$14000.00} XXXX XXXX XXXXBalance {$3500.00} XXXX XXXX XXXXBalance {$15000.00} XXXX XXXX XXXXXXXX {$0.00}
Consumer complaint received 2020-11-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

My mother wanted to add me to her account in the event something happens to her. She is in her 80 's with health concerns, When we went to the Chase branch today the bank officer said she could not do it because I had a closed account in 2018. Not that I owed the bank money, but I had a closed account. What does a closed account have to do with having access to her account in case of an emergency. This is a multi-billion dollar international financial institution. What purpose does it serve to deny me access. I don't owe Chase any money. Chase should get over it. I have never been so disgusted. You should have seen the nasty, unprofessional letter they wrote me about the account they opened then closed. They are the ones with questionable integrity. Click this link. XXXX : XXXX If they do not honor my mother 's request. I'll get the word out to my 500+ connections who will see how a XXXX dollar bank treats mainstreet . Wonder what the Obama Foundation would say?
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-02-11
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: JPMORGAN CHASE & CO. (CA)

I placed an order from XXXX for {$2600.00}, on XXXX XXXX. Waited about a week for my order, and my order never arrived despite tracking showing delivery. I contacted XXXX for any response or help in locating the order and they did not help at all, and told me to file police report. I filed the police report for the missing package from XXXX and submitted to XXXX. I have not heard from XXXX since. A few days passed and I decided to go through my bank, Chase, and disputed the credit card transaction with them. 

After I submitted the disputed with my credit card company -- Chase -- XXXX replied to my dispute and said it was delivered and Chase sided with XXXX. I still have not received my order or refund. 

I know I never received the order because I have a security camera in front of my house, and my security camera would have recorded the carrier delivering the order. There was no recording captured by my camera at the date and time the order was showing delivered by the carrier. Not only that, they stated that the package was signed for, however, the signature was not mine signature and whoever signed for it spelled my name wrong. 

Not only that, I also filed a police report as requested by XXXX and the representative from XXXX said once I submit the Police Report to them that they can help with refund, but that did not do anything as I have submitted the Police Report to them and I still have not received a refund or a reshipment of my order. I have also tried to submit the police report to Chase as further proof that I did not receive the order to back up my claim that I did not receive what I purchased from XXXX but Chase is refusing to even look at it or receive it.
Consumer complaint received 2020-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp (CA)

I was solicited by equitable acceptance inabout 2017 to let them assist me in putting my federal student loans into a deferment plan. Which they did and I have been paying them $ XXXX  month to pay off the total amount charged for the service. Today i received a letter from the US department of Education that states since I am a XXXX veteran I qualify for a XXXX XXXX XXXXXXXX XXXX discharge of my federal student loans. Upon calling the US dept of education and explaining to them the specifics about the current student loan consolidation program that i am currently in, the US Department of Education suggested that I file a complaint with you to determine if my equitable acceptance can even legally charge me when the actual filing of the paperwork is free. The company that I pay the $ XXXX  monthly to is Equatable Acceptance. Can you please look into this for me? Thank you
Consumer complaint received 2018-03-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Bureaus, Inc. (KS)

The bureau has reported me to the credit bureau for a credit card I never opened. They say it was opened on XX/XX/2017 I was in the process of moving and didnt even have a mailing address so this was not me I have never received anything from this company and I checked my credit report and they have reported it.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX/ {$880.00} / XX/XX/XXXX XXXX XXXX  / {$2800.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Consumer complaint received 2021-06-02
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: DISCOVER BANK (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KS)

XXXX XXXX sent me a letter on XX/XX/XXXX staying they was going to take me to court for a debt I do not owe. I have never heard of this company until now I also called and filed disputed the debt they was extremely nasty with me and asked me very personal questions I asked for validation letter when I received the papers it looks like they typed up something and just printed it off the address isnt correct at all. These are very nasty people and they will not help you or explain anything to you.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

Creditor has been adding inaccurate information on my credit report .I sent letters to all three credit bureaus and they did not verify according to the fair credit reporting act section 609 ( a ) ( 1 ) ( a ) that is required by law to verify. They failed to verify. This account must be deleted off my credit reports within XXXX days 611 ( a ) 15 usc 1681j ( a ) ( 1 ). Im also requesting that they send me an updated copy of my credit report.
Consumer complaint received 2021-03-02
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: HYUNDAI CAPITAL AMERICA (NY)

I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.
Consumer complaint received 2020-11-05
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. (LA)

I want to report that somebody has used my identity to open accounts in my name without my consent, this report is produce to dispute these account, that has damage my credit record. Please note these incident for future references.
Consumer complaint received 2021-08-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: SYNCHRONY FINANCIAL (PA)

Synchrony bank ( formerly GE money bank ) I bought a XXXX XXXX, need lein payoff paper to title it. Faxed All info. Starting in early XXXX. 5 times, called 17 times. Talked to 1 person was told 10 days. XXXX, and in XXXX. Now No answer. Left at least 8 recordings. ( lein was paid off approx. 7 years ago. ) Bank # XXXX. My home phone is # XXXX. Please help me with this. Notary also tried, fax and by phone. THANK YOU. XXXX XXXX.