davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (NJ)

I received and investigation result on XX/XX/2020 in regards to XXXX XXXX for a Collection account. {$460.00} past due as of XXXX 2020. There are 3 issues with this account. 
1. XXXX apparently sold the alleged debt to a collection agency. So Experian is showing both accounts XXXX XXXX and also the Collection Agency. My understanding is that according to fair credit reporting practices XXXX should not continue to actively report a balance owed. That's double the damage and not permitted. The name of the collection agency on the Experian file is XXXX XXXX XXXX  
2. The amounts reported by XXXX vary per collection and Credit Reporting Agency. For instance the amounts reported to XXXX  were different than the amounts reported to Experian. XXXX  completed its investigation and concluded that both accounts should be removed from the Credit report and they have been removed. 
Experian investigation concluded that the debts were accurate however when I called XXXX and the Collection Agency they were unable to provide any documentation. I asked for a final bill, any kind of bill to confirm the debt and both XXXX and XXXX XXXX XXXX were unable to provide documentation. XXXX was unable to find the account on their system. They found an account that did not have a past due amount and was unable to verify a second unknown account. I'm not sure what kind of investigation took place but the difference in amounts, the fact that XXXX  removed the account and XXXX 's inability to provide a final bill on the account makes Experian 's investigation questionable. I communicated we were willing to pay, we just need everything documented and a final bill, both, XXXX and the Collection Agency refused to provide any kind of documentation. 
3. I was never properly notify of a debt by neither one of these companies.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

WHEN COVID-19 MY MORTAGE SIGN ME UP WITH A LOAN REPAYMENT PLAN NOW THEY REPORTTING ME TO ALL 3 CREDIT OFFICE THIS HURT MY REPORT. THEY SAID I MISS XXXX XXXX XXXX. THANK YOU VERY MUCH
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (KS)

On XX/XX/2020 Shellpoint took over my mortgage payments from Deitch ( Greentree ). At that point I had already submitted a request from Deitch for my payment records because I had realized there is a large balance due which should not be because my signed original contract ending on XX/XX/2020. 
I have contacted Shellpoint numerous times both by phone and email asking them to correct this, with no response. 
At that point I started investigating this and discovered Greentree had been sued by both the Federal trade commission and the Consumer Financial Protection Bureau for numerous illegal transactions. 
There fore I have ran out of time because my signed contract for 300 payments have been completed in XXXX of XXXX 
With no attempt from Shellpoint to correct this matter, I contacted the State of Kansas Office of Attorney General for assistance. They have been working on this with no avail also.
Consumer complaint received 2018-03-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (FL)

I worked for a foreclosure firm. After the hurricane all of the files at work was put on hold due to the hurricane so that mean i was put on a part-time basis and unable to pay my mortgage. I have a XXXX XXXX, XXXX XXXX they can differed your payment up to 12 months. So i contacted my mortgage company Primary Residential Mortgage they say since i was in the disaster area i can apply a forbearance worksheet and that would allow me to make a lesser payments until i get all the repairs fixed and return back work. The forbearance plan was expire on XX/XX/XXXX. I get Demand letter today XX/XX/XXXX from the mortgage company stating i owe {$15000.00} and I have until XX/XX/XXXX to fill out loss mitigation package. I contacted them to said that was not the plan. I need to know what should i do. HELP. I started a new job things are looking bright please help. I do not want to lose my home. My cell # XXXX. 

Thanks, XXXX
Consumer complaint received 2022-08-14
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. (IL)

On XXXX you received a Certified Letter of me asking you to verify the method of verification on the account above. 

On XXXX I received a Dispute Result that this account above was Verified. 

How actually was this Verified because the third-party XXXX you use has no information of me having a Bankruptcy on my Consumer Report? 

On XXXX I received my Consumer Report from XXXX showing that there is No Bankruptcy on my consumer credit report *I have attached the XXXX Consumer Report in this Letter. 

Please DELETE this Account Immediately from my credit report to prevent further damage.
Consumer complaint received 2020-05-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2024-05-08
Product: Credit 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)

The wrong payment is for my apartment rent. For the rent of XX/XX/2024, since I set up auto-pay, the rent is automatically deducted from my credit card. However, I paid the rent of XXXX manually by splitting it into two halves. OnXXXX with the same credit card. The other with a checking account. I contact my apartment, and they asked me to dispute from the credit card bank, i.e. Chase. I contact Chase and submit the dispute twice. Each time, they said after investigation, the transaction is valid and I still need to pay. I already followed their instruction to provide bank statements of the two payments I manually paid. They didn't give any concrete reason about why the dispute is not approved. 
Please check the attachments for th
e two bank statements ( the payment ones are marked with arrow ), as well as the screen shot from the apartment website ( the red one is the wrong one and two yellow ones are correct ones ).
Consumer complaint received 2022-08-14
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. (TX)

I sent letters out on XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, Transunion, XXXX. But still no response from Bureaus nor anything by mail showing verification of accounts. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written instructions. 
please provide me with the accuracy of my accounts as this unlawful and hindering my report or I will sue the following bureaus.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Intervention and Review of Credit Reporting Discrepancies Dear Consumer Financial Protection Bureau, I am writing to request your urgent intervention in the matter of persistent inaccuracies in my credit reports as maintained by XXXX, XXXX, and XXXX. Despite multiple disputes and the submission of sufficient documentary evidence confirming the discharge of my student loans under the FSA Borrower Defense program ( Application Number : XXXX ), these agencies have failed to update their records accurately. This ongoing issue is detrimentally affecting my credit score and my ability to access financial products. 

Detailed Account Information and Dispute History : XXXX : Account # XXXX - Opened on XX/XX/XXXX, balance of {$10000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$18000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$1300.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$6100.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$12000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$30000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$4000.00}. 
XXXX : Account # XXXX - Opened on XX/XX/XXXX, balance of {$10000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$18000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$1300.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$6100.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$0.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$30000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$4000.00}. 
XXXX : Account # XXXX - Opened on XX/XX/XXXX, balance of {$10000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$18000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$1300.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$6100.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$0.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$30000.00}. 
Account # XXXX - Opened on XX/XX/XXXX, balance of {$4000.00}. 
These accounts were discharged due to recognized deceptive practices by XXXX University, and this discharge is supported by formal letters from Nelnet Loan XXXX, acknowledging the forgiven status of these loans. 

Enclosures : Discharge letters from Nelnet Loan XXXX. 
Copies of all disputes submitted to XXXX, XXXX, and XXXX. 

I request the CFPB 's immediate review and intervention to ensure that these discrepancies are corrected in accordance with federal regulations. Your assistance in this matter is crucial and greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received an alert XX/XX/24 from XXXX XXXX XXXX XXXX who holds my home mortgage loan and credit card regarding a hard inquiry of my credit score initiated by Bank of America on XX/XX/24. I called XXXX on XX/XX/24 and they notified me that a Bank of America credit card application was made. I called Bank of America on XX/XX/24 and was told that it was a XXXX XXXX XXXX XXXX Credit Card that was opened with an allotted balance of {$5000.00}. Bank of America informed me that the credit card application was made using my maiden name. I requested a copy of the credit card application on XX/XX/24 and Bank of America said it will be mailed to me after I submit Identity documentation and sign an affidavit and they were unable to tell me the email used and unable to mail me a copy of the credit card application.
Consumer complaint received 2021-01-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been trying to fix since XXXX as some accounts that doesn't belong to me and personal information as my name, phone numbers, and addresses that I have never lived there where showing on my credit. 
I have never lived in California and there is many address listed there. Also my name was listed with different middle names and last names that I never used them. 
Most of the accounts were removed from my credit as I believe companies are confusing me with another person as my name is very common name I don't have any XXXX XXXX  account open and they insist that the information belongs to me. 
When I called Bank of America and XXXX, they are not able to find any account with my social security number. 
I need them to take the time to verify that my information is not the same as their credit card holders, I have never receive any statement from them to my current address where I lived for more than 15 years. 
Also I need Credit bureaus to clear all personal information that doesn't belong to me.
Consumer complaint received 2016-06-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: The Cadle Company (MI)

In XXXX I took out a student loan with XXXX. I did n't repay it properly. In XXXX I entered into a Consent Judgment with them. I did n't repay that properly either. The loan was purchased by The Cadle Company in XXXX. They sent a Demand Letter setting the interest at 6.679 %. In XXXX they applied to renew a default judgment. It was granted XXXX/XXXX/XXXX. It was dismissed, and the case closed XXXX/XXXX/XXXX because of non-service. On XXXX/XXXX/XXXX they filed to reopen the case. It was granted on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they refiled applications to renew default judgment. THE JUDGE DID NOT SIGN EITHER OF THE APPLICATIONS OR ORDERS OF JUDGMENT. ALL XXXX APPLICATIONS AND ORDERS ARE WITHOUT A JUDGE 'S OR CLERKS SIGNATURE WHICH RENDER THEM INVALID according to XXXX. In XXXX they brought the XXXX/XXXX/XXXX judgment to the district court and began garnishing me and had retroactively reapplied the interest of 12 % back to XXXX, when they knew that the order had been dismissed and that no subsequent order of judgment had been granted ( The XXXX reads that it was granted, but the actual judgment for XXXX/XXXX/XXXX is unsigned ). They also knew that the interest rate had been set by their prior document at 6.676 and not 12 %. They also knew that they could not retroactively reapply it back to XXXX as that practice had been deemed " deceptive and in violation of FDCPA by the United States District Court ( See XXXX ). The courts are wrongfully allowing these and many other contradictions to the court rules showing bias for the debt collector. On XXXX/XXXX/XXXX the district court allowed them to renew the default judgment ex-parte without meeting any of the specified criteria like attempting to serve me first, etc. Most importantly, they are ignoring that the judgment that they were allegedly renewing was invalid, because it had never been signed by a judge or clerk. I know that it is also against federal law for them to collect on an invalid judgment and to fraudulently manipulate the interest. I hope that you will act to see that this invalid judgment is set aside.
Consumer complaint received 2020-11-17
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. (CO)

I have a XX/XX/XXXXcredit card, account number ending in XXXX. This account is showing as a charge-off and it is derogatory on my Experian credit report. I recently paid the account off, but it hasnt been updated on my credit report. Experian says I cant dispute this account anymore and says that I still owe a balance of {$1000.00}. 
I have proof that I paid the account off. 
I contacted XX/XX/XXXXXXXX about the account and they stated that the account is managed by XXXX XX/XX/XXXX. XXXXXX/XX/XXXXXXXX is a collection agency. 
I contacted XXXXXX/XX/XXXXXXXX law firm and paid the remaining balance of {$850.00} to close the account. I have the receipts and the account number with XXXX XX/XX/XXXXXXXX law firm. 

XX/XX/XXXX XXXX account ends in XXXX XX/XX/XXXXXXXX account : XXXX Confirmation number of paid off account : XXXX XXXXXX/XX/XXXXXXXX collection agency phone number : XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Again, I do this. I wish you have a way for us to draft any case we start. I have to start this all over! 

XXXX had not removed or updated my information. Again, I said I never order anything from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and recent new one in XX/XX/year> from XXXX XXXX XXXX What the heck?! I had no desire to buy anything onnXXXX XXXXXXXX! I am puzzled! XXXX needs to stop assume thinking I asked for somethign. I did not! 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX was paid on time. No information in my credit report. Another, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX was not mentioned neither. Paid onntime for the space on time! XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX was also not mentioned. I paid for the room on time! 

XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX was not apt I lived at! It was only mails to arrive n for me to pick up. 

Lastly, XXXX and 2 other bureaus assumed so poorly. That is why I suggest you to shut down all 3 bureaus! XXXX said since I lowered the loan, it affected my credit record. What?!?!?!? It is XXXX XXXX who ripped me off by selling me a lemon truck! I asked them to refund and they did not, but for some unknown reason, the loan reduced. They never communicated with me. Though here is the proof of cancelation request form that I asked them for since they sold me a lemon truck and death of my service dog. 

XXXX needs to stop assume and allowd all other affect my credit record. To my knowledge, I dont know why XXXX reduced. They were aupposed to give me a check of over {$5000.00}. XXXX did not add more positive points. It slowly raised and is unacceptable. XXXX and other bureaus are biased and always had been.
Consumer complaint received 2022-08-14
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. (SC)

I had a XXXX XXXX XXXX through XXXX XXXX. 
My monthly payments were set up for automatic bank draft on the XXXX of each month. 
XXXX sold my account to XXXX 's XXXX  ; I am not sure of the exact date this occurred. 
I was not notified by XXXX XXXX. 
My account was not drafted as scheduled on XX/XX/2022. 
XXXX reported the account as delinquent on XX/XX/2022. 
I was not notified by XXXX XXXX XXXX. 

I do not have the " new '' account number or any other pertinent information to make payments with XXXX. 
I became aware only when I received a credit monitoring alert stating that my FICO score dropped by XXXX points. 
My total balance is {$170.00}. 
The last posted payment to XXXX XXXX was on XX/XX/2022.
Consumer complaint received 2024-02-18
Product: Credit reporting 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. (IN)

Subjet : Removal of Hard Inquiry from Credit Report. 
On XX/XX/year>, I received a copy of my credit report from Equifax Reporting Agency and I saw inaccurate information on my credit report. I did not give my consent or my authorization for XXXX XXXX XXXX to run my credit report for any purpose. XXXX XXXX XXXX has violated my right to privacy under the FCRA law. This inquiry is made in error and should be removed from my credit file. I have not applied for credit as I am trying to correct inaccurate information on my credit file. Thank you for your time in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I made several complaints and the company 's came back and affirmed them. And they are still on my credit report. I'm currently still homeless and unable to get a house. These were all fraud and I have a police report. And all they still refuse to remove these things off of my credit report
Consumer complaint received 2024-02-18
Product: Credit reporting 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. (RI)

XXXX is being reporting an inquiry from XXXX XXXX XXXX XX/XX/2022. I have no business with this company or authorizes this company to do so.
Consumer complaint received 2020-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

I was approved for XXXX XXXX discharge on XXXX XXXX. I was told in the approval that I could consolidate the loans to direct loans which I did on XXXX XXXX in order to receive discharge of my direct loans. I requested to change the servicer of the loans from XXXX to Mohela on XXXX XXXX. By XXXX XXXX my loans were paid off with XXXX and changed over to Mohela, however, neither XXXX or MOHELA have applied my loan discharge that I was approved for despite the Borrower of XXXX stating for months that they sent the servicer proof of my loan discharge approval. I even filed a complaint with the XXXX and sent proof of my approval to both XXXX and MOHELA.
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NC)

I applied for an American Express Delta Skymiles Credit Card in XXXX 2016. I have screenshots from XXXX and the application showing that the offer was for XXXX miles however I am being told it was only for XXXX miles. I have clear evidence showing that the website said XXXX miles. I complained to Amex and it took 5 weeks for them to say they would not credit me the extra XXXX miles as promised. They claim the offer said XXXX and that is that. They consider the matter closed, however I believe there is malpractice here in advertising because the website clearly shows XXXX miles when you spend first {$1000.00}. Even when I showed them evidence of this they said no. They claim my offer said XXXX miles but the screenshot shows I was logged in under my skymiles profile and it clearly says my name in the web page and an offer of XXXX miles. I tried to reach out to their executive office to no avail. I am very dissatisfied with the level of service and misleading credit card application. I feel like I have been deceived and that I was tricked into opening a credit card and am not receiving the full benefits promised on XXXX. I complained to the XXXX and American Express now says they will no longer respond to my complaint since the " issue is resolved '' however it is not resolved at all. Screenshots attached.