davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
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. (IL)

Ive sent multiple letters to the company 's EXPERIAN, XXXX, XXXX  Showing them plenty of Errors and Violations they have made on my reports and they have yet to remove them and I'm getting frustrated they are hurting me from gettin me and my family a home in this pandemic!!
Consumer complaint received 2020-07-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

XXXX Please process our following requests : 1 ) Specialized Loan Servicing to correct outstanding issues relating to misapplied monthly payments ( from XX/XX/XXXX to XX/XX/XXXX ) during loan transfer with past due balance of XXXX from XXXX XXXX XXXX 2 ) Correct misapplied payments of current payments after loan transfer 3 ) Remove all late fees relating to misapplied payments 4 ) Remove all late payments on our credit reports with all credit agencies from XXXX to XXXX 5 ) Stop excessive collection calls and mailing invalid delinquent notices 6 )  Correct Year to Date ( YTD ) XXXX and XXXX interest and principal paid for this account This is our 6th online complaint request to correct the misapplied payments relating to the above loan account transferred from XXXX XXXX XXXX, with an incorrect past due balance of XXXX. This debt is not valid. Monthly payments per loan were supposed to be applied as part principal and part interest. XXXX  XXXX XXXX made some corrections as per their response letter dated XXXX and stated a few outstanding corrections that Specialized Loan Servicing must do. No payments have been missed before or after loan transfer. Our credit reports with the credit agencies have been corrected by XXXX XXXX XXXX and showed that all payments were current and made on time from XX/XX/XXXX to XX/XX/XXXX. The following payments related to this misapplication were : XX/XX/XXXX {$230.00} applied as principal only XX/XX/XXXX {$230.00} applied as principal only XX/XX/XXXX {$220.00} applied as part principal and part interest XX/XX/XXXX {$240.00} applied as interest only I have attached the following supporting documentation relating to this issue : XXXX  XXXX XXXX response letter dated XXXX showing corrections made to loan transcript and credit reporting agencies XXXX spreadsheet showing the XXXX XXXX XXXX corrections made and YTD interest and principal paid Bank statements payment activity showing all payments made from XXXX to XXXX. No payments were missed. 
XXXX report showing XXXX  XXXX XXXX and Specialized Loan Servicing showing payment history Sample of collection calls received from Specialized Loan Servicing Most recent delinquent notices received by mail dated XXXX List of previous online complaints filed to resolve this past due issue. 

Please make the necessary corrections to our account and process our list of requests mentioned above. Thank you.
Consumer complaint received 2023-04-05
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. (AZ)

An identity theft report was send to the credit bureaus reporting a fraud account. They deleted the account then a couple days later it was added once again. Account XXXX XXXX XXXX ) its a different account number on XXXX ( XXXX ) if it's the same account and an investigation took place and you respo ded that everything was 100 % accurate and mine how is this possible. Not of the dates match last open, balances etc I have highlighted all marks in blue. I understand I have up to {$1000.00} per violation on my consumer report. According to the fair credit reporting act. Please delete account immediately as you are violating my rights. Everything reporting has to be 100 % accurate. 
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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-05
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AR)

I purchased a prepaid American Express Visa gift card from XXXX on XX/XX/2024 and loaded {$100.00} onto it, including the activation fee for a full total of {$100.00}. The card and packaging claims it is able to be used anywhere American Express is accepted, both online and in store, and I have not been able to use at either for any purchase at all. XXXX online retailer charged XXXX pre-authorization holds for XXXX cents each but the purchase itself still declined. The balance is still {$99.00} and I can not use the card whatsoever or get a refund, despite having my receipt showing I loaded it myself with my own debit card just one day ago. Both in store and online every purchase declines due to American Express billing/zip code you are unable to change to your own, and the company will not provide a working billing address to be able to successfully use the gift card at all
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit International Corporation (CA)

The Collection agency is called ( Credit International Corporation ). Whenever their agent contacts us, they refuse to provide information and insist on immediate payment. When we inquire about the amount or the case, they claim ignorance. Despite requesting to speak with a manager multiple times, we have not received a call back, except for one occasion where a manager provided some information and we made a few payments. Subsequent attempts to contact the manager, XXXX, via email were left unanswered. When we spoke with the agent, XXXX XXXX, he informed us that she is no longer in his department or his manager.

Today, upon reviewing my personal credit report, we discovered an attached account filed by Credit International Corporation for $ XXXX.
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC (IL)

I have repeated called NewRez to discuss a loan assumption. My partner died of XXXX XXXX XXXXXXXX ( XXXX  ) and left me our home. I have been paying the mortgage on our home since his death in XXXX. 
- The phone numbers posted on NewRezs website are incorrect.

- When I am able to connect with the company ( via a loan officer ) they wont talk to me about the loan and claim they havent received the proper documents from me to discuss the loan.

- They initially provided wrong/misleading guidance on the proper documents to discuss the loan. ( They tried to claim the original, raised seal death certificate was not an official document. They also claimed the will is not an official document even though it was accepted by the probate courts in XXXX XXXX, IL ) - I have emailed the documents required to discuss the loan repeatedly, but they still claim to have not received them. 
- Whenever I try to speak to someone in assumptions as my case is unique ( my partner and I werent married ), they tell me their assumptions department does not have a phone line.
Consumer complaint received 2022-06-17
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. (PA)

How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX 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 inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; 2. XXXX Inquiry Date XXXX. XXXX, XXXX ;
Consumer complaint received 2023-04-05
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. (NJ)

Equifax is allowing a collection agency to report an account on my credit file that another collection agency claims to have. How is this accurate, acceptable and fair? 
I have given them the other collection agencies information as evidence and they refuse to remove the information from my credit report. It is fraudulent for two collection agencies to both have the same account. Am I to pay them both? If they claim it has been verified what are they verifying which collection agency is right and which one is wrong? Furthermore, I was never made aware of the initial bill how much more the two collection accounts.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (KY)

As you all helped me with this transaction back in XX/XX/XXXX   where I was scammed and Paypal/Synchrony Bank ruled in my favor I find out now that I am being charged cash advance interest on that transaction for years. I didn't know this was happening all these years because I went to paperless billing and didn't pay attention to this until now.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

My rent payment is automatically paid by US bank from my checking account to be delivered by a certain, specific date. The bank states that it " guarantees '' the payment to arrive.always by this date. Starting last year, I received late fee from my rental management company. I contacted US Bank bank about it several times. They first offered to reimburse the fees but never did. Instead, they sent letters to me and the rental company- with some wrong dates. I contacted them and acked to correct the dates. The bank stated they would- and I never heard from them. Starting this year, I was charged a late fee every single month ( XXXX, XXXX and now XXXX )- for supposedly the payment arriving late - which continued to be sent by the very same BillPay - al the time- the same date to be delivered.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (OH)

In XXXX of XXXX, XXXX purchased my student loans from Nelnet. XXXX updated the information on XXXX and XXXX Credit Bureaus, but not XXXX. As a result, it incorrectly shows that I owe both Nelnet and XXXX for student loans. However, the Nelnet balance should be {$0.00}. I have contacted XXXX, XXXX, and Nelnet. Each organization is blaming the other. XXXX, despite me submitting evidence that the account balance is {$0.00}, says that it's up to Nelnet to update the correct balance. Nelnet blames XXXX for not reporting that it paid the account off. XXXX says that Nelnet is responsible for updating the account balance. XXXX and Nelnet both agree that the account balance is {$0.00}, but refuse to report it correctly to XXXX.
Consumer complaint received 2022-06-16
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. (FL)

In accordance with the Fair Credit Reporting Act hard inquiry, XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

15 USC CODE 1681S-2 Showing that this account is open on my credit file which is a violation, company has failed to provide any signed documents with my signature and or Identification proving this debt to be mine
Consumer complaint received 2024-03-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC (TX)

I received a letter today from XXXX XXXX XXXX out of XXXX FL claiming that I owe a debt for a payday loan. I dont recall taking out this payday loan. I contacted the creditor they listed on the letter and the creditor stated they can not locate any of my information or debt owed in their system and suggested its a scam. This letter is threatening, claiming to file a civil judgement against me and they could run a hard inquiry on my credit, they even have incorrect information on the letter about me regarding my credit score. I have already been a victim of identity theft at least twice, and i have police reports for those. When you look up their address, its a post office.
Consumer complaint received 2024-03-05
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (RI)

I attempted to reach out to TD Retail card services on XXXX due to the company locking me out of my online account at their own error. I was left on hold for over XXXX minutes with XXXX resolution and there is no option to resolve this issue any other way. I reached out by email on Friday and received a call where I was told that someone from retail card services would need to help me. I received a call today during the work day which directed me back to the line where I was forced to stay on hold for an absurd amount of time. When I emailed back to request a call at a different time so that I could resolve the issue that they created, I received an email back stating that they could not help me. Customers should have a reasonable expectation of being able to be serviced without having to take a day out of work to wait on hold for a company that is so clearly just trying to stretch their dollar so far that they wont employ enough people to answer the phones. At this time I am left with no option to pay my bill and no resolution.
Consumer complaint received 2022-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JDJ Investments, INC. (LA)

I was told if I paid it they would remove from my credit report. Paid it but it didn't come off. I reached out multiple times and go no response. Try calling again, XX/XX/22 but still got no response.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX**, XXXX # 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 2022-06-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (WA)

I have been with Discover Bank since 2016. 

In 4 months time, I have had 3 unauthorized charges in my savings account. My credit cards have also been compromised. Most recently, I had a charge of XXXX I did not make. I insisted Discover change the account number as this had happened more than once. I assumed this was the end of it, but Discover reversed the credit without explanation. 

During the initial call to Discover, I learned that someone had made the XXXX XXXXransfer from the account using a name similar to mine, but with a different initial. I believe XXXX XXXX? I did not note it down at the time.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC. (NC)

on XX/XX/2024 i disputed the below item with XXXX and investigation was conducted and on XX/XX/2024 XXXX deleted/removed from my report i have the proof attached to prove it directly from XXXX. today i reviewed my credit report and the account was re reported on my credit report. this is a violation of my fcra rights Remove this account from my report immediately.
Consumer complaint received 2024-03-04
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: JPMORGAN CHASE & CO. (NY)

I was reported to the XXXX XXXX XXXX  XXXX  due to an ex girlfriend who was bouncing checks in my name and renting apartments opening up bank accounts with my knowledge
Consumer complaint received 2022-06-16
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # 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 2022-06-16
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX CASH XXXX ) # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # 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