davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
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: Experian Information Solutions Inc. (NC)

I received a copy of my credit report and found that there is an error in the following item : 1 ) XX/XX/XXXX ( Charge Account, Opened XXXX XXXX, XXXX ( 9 yrs, 1 mo ) ). 2 ) XXXX XX/XX/XXXX XX/XX/XXXX Charge account, Opened XXXX XXXX, XXXX XXXX 8 yrs, 11 mos ) ). These accounts have been in my report for over 7 years. I already wrote to the company months ago and still have no response.
Consumer complaint received 2022-01-18
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. (NC)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2020-07-08
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

My complaint against Shellpoint Mortgage Services is falsifying information within my account, failing to follow through on the ACH promised to fulfil the escrow amount of money owed to me and lastly, using a stalling technique to keep from paying the escrow owed to me. 
Note : all of the conversations between those at Shellpoint Mortgage Services and me were recorded on the part of Shellpoint Mortgage Services at Shellpoint Mortgage Services as well as recorded during my calls to Shellpoint Mortgage Services. 

Today I spoke with XXXX XXXX of Shellpoint Mortgage Services at XXXX XXXX  confirming the mortgage was paid off and added that Shellpoint Mortgage Services owes me {$2800.00} but would not ACH the money into my bank account. 
On Thursday, XX/XX/2021 at XXXX XXXX  I spoke with XXXX at Shellpoint Mortgage Services, who confirmed the wrong account number was in the file and transferred me to XXXX XXXX in customer service. After providing her the same info she agreed that Shellpoint would electronically transfer the {$2800.00} within 24-28 hours to the correct account. 
On Monday, XX/XX/2021 at XXXX XXXX spoke with XXXX at Shellpoint Mortgage who took my bank routing number and account number advising that a transfer would take place regarding the escrow amount of {$2800.00}. 
On Friday, XX/XX/2021 at XXXX XXXX confirmed that Shellpoint Mortgage had not received final payment. 
On Tuesday, XX/XX/2021 at XXXX I checked with Shellpoint Mortgage had not received final payment.
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MN)

was informed that my personal information was found on a dark website. I then received a email from a LVNV regarding a collections account from XXXXXXXX XXXX in the amount of {$510.00} I have no knowledge of this account and it I believe it was opened in another state, as I live in XXXX. I immediately put a freeze on my credit report to prevent further fraud to occur. I also submitted a dispute with XXXX. My personal information has but compromised and I need this company to remove this collection account from my credit report. There is no soft or hard inquiry on my credit report from this company when opening the account. I was advised by the credit report to seek help from the XXXX to help resolve this matter. Please help us consumers protect our personal information from scammers and prevent future fraud from happening. I have received threating emails and phone calls from this company demanding that I pay this debt, saying that this case would be forwarded to a attorney. PLEASE HELP Respectfully XXXX XXXX Information Regarding the Collection Account Number Ending : XXXX Original Creditor : XXXX XXXX Current Owner : LVNV Funding LLC Resurgent ID : XXXX Current Balance : {$510.00}
Consumer complaint received 2023-04-05
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. (NY)

my wallet was lost and it looks like my card was used many times in XXXX XXXX, i informed chase bank, and the dispute was put through and later on the dispute was canceled. other cards of mine were also used and chase asked for me to send them the statements form other banks as well which i did, my other credit cards disputes were cleared but chase did not clear theirs
Consumer complaint received 2021-04-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Collection Bureau, Inc. (AR)

One day I receive an email from XXXX stating that a new collections account was reported on my credit. I log in to see that the collections that was reported was from an automobile wreck that happened on XX/XX/2018. I attempted to contact the company explaining to them that I wasnt responsible for that bill because the driver of the other vehicle drove into the back of my vehicle and his insurance company agreed to pay my medical bills but never went through with their agreement. I had no idea that the bill didnt get paid because Ive never received a notice in the mail until I moved to a new address and filled out a change of address form. Again, that bill wasnt my responsibility and after I called the responsible insurance company, they continued to state that they will pay the bill but kept giving me runaround errands to get the bill to them. I was told by either the collections company or insurance company that the bill can not be sent to the insurance company from the actual collections company. The insurance company provided me an email, for the bill to be sent, that did not work. The hospital that the bill came from stated they contacted the insurance company multiple times to get the bill resolved but they never gotten a response. I then called my insurance company and they distributed a check with the full bill amount so that I could pay off the collections bill. This collections bill caused my credit score to subtract 101 points from my report.
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

In accordance with the Fair Credit Reporting act DEPT OF EDUCATIONXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2021-04-07
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. (MD)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

So my brother and sister in law were living with me and they stole my account information/the card and used it to make multiple transactions as well as doing the same to my grandmother. We've both filed police reports and pressed charges. When I first spoke to a representative I was told a police report was all I needed for this to be open and shut. I've now spoken to XXXX different representatives and been told different things from them all. They've denied my claims for ungodly stupid reasons. Because a transaction was made by one of them at a store I shop at due to its location being mere blocks from my apt they said it was a valid transaction. Even though I don't see how they don't see its plausible they could of walked there and made the transaction unbeknownst to me since it's like a XXXX minute walk. They said they see a pattern and it's a possibility it wasn't fraudulent yet I have detectives telling them this absolutely happened so my detectives/absolute statement is somehow trumped by their potential pattern recognition. Keyword potential. Not absolute. How does potential XXXX absolute? Absolutely ridiculous. I did everything I was told to do and got denied. Yet my grandma got her money back. Same bank. Different accounts. Same scenarios. But I'm denied and she wasn't. It makes no sense. Now I'm going to get evicted because I can't make rent due to this money being taken and not returned.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

XXXX A payment was made in the amount of {$300.00}. Spoke with XXXX XXXX. I requested that {$260.00} escrow shortage be paid off and the {$30.00} balance be added to the current escrow balance. My mortgage payment should now be {$740.00}. Mortgage payment currently shows {$810.00}. Shellpoint Mortgage has not applied the escrow shortage payment as I have requested and paid on XXXX. On the website, Shellpoint Mortgage has not corrected the monthly mortgage payment and continues to show monthly mortgage payment {$810.00}. Escrow balance currently shows {$2000.00}. Please verify this information with the recording of call to Shellpoint Mortgage. Shellpoint Mortgage has not supplied accurate information and made no mention of the request to apply the XXXX payment to pay off escrow shortage that can be verified in the recorded conversation with the Shellpoint representative, XXXX XXXX.
Consumer complaint received 2024-03-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (WI)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Im writing to you regarding discrepancies I have found on my credit report. 

Conserve XXXX Why is this account being reported with 2 different dates of last activity? Delete account for inaccurate reporting. 

Once you have finished my request please send me an updated credit report reflecting my request. 

XXXX XXXX
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

XXXX credit reported a negative debt collection on my credit report on my credit report that was done through identity theft and fraud that I had no knowledge. This company reported I took out a loan in 2023 and I have never took out credit with them in 2023. The name is Genesis Credit Management and they indicated it is with a company called XXXX XXXX. This is a fraudulent company and I have no knowledge of them. I had fraud alert on my account. and the amount is for {$3900.00} I never took credit for any company in 2023.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (FL)

ABILITY RECOVERY SERVICES reporting a major derogatory item on my credit report. This is a third party company trying to collect a debt for a XXXX program. I didnt take any XXXX online classes or have any debt with them. they keep calling me and putting a bad major derogatory status on my credit.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX  by XXXX XXXX debited {$320.00} on XX/XX/2021 and {$300.00} on XX/XX/2021 without my consent. I did not authorize this. I have spoken to them and they say its too late to contact the bank and that it was refunded. Showing on my account. I contacted the bank and they said it has not been refunded. They advised me to contact you. Initially when I contacted the bank they said they would fix it and it would reflect in my account within 3 days. It has been weeks and it is still not resolved. Please advise me on what to do. I also had to get a new debit card which the bank charged me {$5.00} for.
Consumer complaint received 2022-01-18
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. (TX)

on XXXX The XXXX XXXX XXXX XXXX closed out my student loans and transferred it to XXXX XXXX XXXX XXXX As a result my credit scored took a XXXX point drop with Transunion. Transunion is stating that I have to wait to XXXX report it which could take 30 to 90 days. In the meantime, I have to deal with a drop in my credit score from action which was not of my own doing. this may adverse affect my ability to get a loan or a mortgage if I chose. What can be done to remedy this? This is patently unfair and seemingly deceptive. It is absurd that I should be punished for an action I did not take and TransUnion says there is nothing they can do about it which I dont believe Thank You
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-09
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: Navient Solutions, LLC. (MO)

Navient is still making harassing phone calling to my messaging phone number leaving messages and using this tactic to make sure there phone number do not show up. 
Navient is still emailing me about my loan payment, and when I look at my credit report it shows a negative amount and it is causing problems with my credit report.
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My balance is off. They made us do a loan mod. They changed terms without us knowing also charged XXXX for mod that we didnt need. They are not crediting our loan with payments made since XX/XX/2019. Insurance and taxes are said that we still owe. 
They lost our insurance money to rebuild from hurricane Irma XXXX.
Consumer complaint received 2022-07-19
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. (NY)

On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/2022 that the item was deleted from my credit report. 
Now I have discovered that the item has been inserted on my credit report on XX/XX/2022. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Consumer complaint received 2022-07-19
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. (FL)

I was young man and had no idea how much credit played in your life. I wasn't aware it was a necessity to live and could affect you so tremendously. As I got older I started learning more about credit and realized I should be monitoring it frequently. Looking upon my credit reports and open accounts, I saw an account that I didn't understand or recognize. In which I realized my identity had been used in my youth years which I didn't authorize or aware of. I have a credit inquiry on my credit report that I did not authorize such as : XXXX XXXX XXXX My address is incorrect on the report. My address is XXXX XXXX XXXX XXXX, XXXX XXXX fl, XXXX
Consumer complaint received 2023-04-05
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 (OR)

I am unable to make payments online and keep receiving late payments for it. 
I first noticed in XXXX of this year that my automatic payments hadn't been going through, but I hadn't received any kind of notice but had incurred late fees. When I opened the app to try and make a payment the app wouldn't allow me to and said I must call : XXXX XXXX XXXX I called the number but the person on the phone said everything looked normal and fine. Had me try opening it on a browser on my computer and had me try some password reset tests. Nothing worked. She finally suggested I go in to a branch to fix it. I didn't have time, so he following month I paid by phone, but after that, the phone option wouldn't work any longer so I went in to a branch. Which much tedium they pulled money out of my checking account and I paid but they couldn't help me fix it without an appointment. So I made an appointment for a couple days later. I went in for the appointment and the banker tried a bunch of things but was baffled and couldn't figure it out. All that I want is the same customer experience as everyone else. I don't want to have to take a longer lunch every month to lose money from my hourly job to go in and pay. I just want to setup automatic payments and have them stop charging late fees and making it so difficult to make payments.
Consumer complaint received 2020-12-07
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. (LA)

On XX/XX/2020 I sent documentation regarding unknown and inaccurate accounts I found on my credit report. It's over 30 days now but I haven't received any response. I was a victim of an Equifax Data Breach. I demand to Deleted those accounts or I will file litigation.
Consumer complaint received 2024-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-09
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. (AR)

My credit score dropped 61 points with Transunion only because my credit card balance increased by {$79.00} and my Dad credit score dropped only 20 points and his credit card balance increased by {$130.00} with Transunion. When I called Transunion and asked a Transunion representative on the phone about my account, he said that nothing had changed, but when I paid Transunion to see what my credit score was, it showed that I had lost 61 points the same as what XXXX XXXX was showing me.

How can I lose 61 points for a {$79.00} increase on my credit card and someone else only lose 20 points for a higher increase on there credit card? I looked at my credit report and nothing else had changed to cause my score to drop that much. I have attached two documents showing proof of what I'm saying.