davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Shellpoint Partners, LLC (NC)

On or about XXXX XXXX, XXXX, I had damage to my home from hurrican XXXX. I submitted my claim and my Insurance company, XXXX, paid out {$64000.00}. The check came out in my name and Shellpoint Mortgage Co. I called Shellpoint and they stated they will send me forms to fill out. After filling out the forms and signing the check, Shellpoint told me to mail it in. I asked can I send it certified or by XXXX? She stated no because they do n't do that anymore. ( paper trail ) I felt uneasy about that amount being sent in but felt even more suspicious when they told me that they charge fees for Inspections, if I do the work myself, they want me to do a material list with prices, they do n't reimburse for labor, if I do upgrades or do more than what is on Insurance Estimate or my material list, it wo n't be reimbursed. WOW! I told her that I planned on doing the work myself because I built the house myself and I could bring the value up much higher on the property but if they do n't pay what the Insurance company pays what happens to the extra money from the insurance company. She states that after all the fees from them, what ever is left will be applied to my principle or they give it back to the insurance company. THIS SERVICING COMPANY IS VERY SHADY! I called the NC Attorney General 's office and they agreed. They ask me to send in a complaint and I did. ( No Answer yet. ) So far we have spent out of pocket over {$30000.00} for new HVAC Units, Plumbing, Electrical, Framing, Roof, Windows, Doors, Engineer, Labor, and Trash removal. We are at a standstill as of now and have to be finished and moved back in by the end of XXXX XXXX. After all this I have tried to find out the owner of the Deed. XXXX says XXXX XXXX XXXX, XXXX says XXXX owns it, XXXX says Shellpoint Services it but XXXX owns it. Everyone is passing the buck. I ca n't keep going like this. We need to finish the house because our insurance company is not going to let us keep renting after the end of XXXX XXXX. I did call back to Shellpoint because if I misunderstood something I wanted to double check. The lady there stated everything just like before except after I told her I contacted the Attorney Generals Office she stated that they would waive my so called fees. I then told her that Shellpoint was in breach of contract. She stated that the claim was their loss, not mine. She also stated to nip this in the bud- I was not allowed to do the work myself because I was not a XXXX. I told her XXXX and will fix it myself and if they wanted to stop me, they know where I 'm at. My deed states everything. Oh and when you sign the paperwork and send it in with the check, you have to sign a lien waiver before getting any funds. My deed states clearly what and how it should be done. Not to mention other issues like, monthly statements not being sent to me or applying my payments correctly. Borrowed {$230000.00} over 11 years ago and my balance is at {$210000.00} as of last month.
Consumer complaint received 2016-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

calling me 6-8 times a day, even after hours ( XXXX-XXXX ) and on the weekends as far as I know business hrs are Monday to Friday XXXX to XXXX, I ve already responded to them about payment ( which is fixed ) but they continue their phone tacticts
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC (UT)

Credco -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Please remove these inquiries.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have mailed Equifax multiple disputes the past two months with my name, and address regarding the inaccuracy of my credit report. And yet Equifax have failed multiple times to adjust, and correct my credit report. I have not received any forms of documents from Equifax processing my disputes, and XXXX changes have been made to credit report profile. Instead, Equifax have been sending me a bunch of nonsense stalling letter to discourage my dispute process, and therefore refuses to take necessary actions to resolve my credit profile.
Consumer complaint received 2024-02-07
Product: Credit reporting 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 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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2017-01-05
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

Financial Asset Management Systems ( FAMS ) is attempting to extort money from me. FAMS and XXXX were supposed to send me a settlement agreement in the mail which I never received. The settlement amount was {$10000.00}. Now FAMS is trying to extort more money from me by asking for {$15000.00} when I never received the settlement agreement for the {$10000.00}. FAMS is claiming that I did not accept the {$10000.00} settlement amount in a timely manner. This is lie, and a flagrant violation of the Fair Debt Collections Practices Act. I was supposed to receive a settlement agreement in the mail which I never received. I 'm willing to settle the debt for {$7500.00}. FAMS is trying to extort more money from me, and are flagrantly lying about not accepting a settlement amount in a timely manner. I never received anything in the mail. FAMS and XXXX did not attach document to the previous CFPB including the settlement agreement. FAMS is engaging in deceptive and coercive debt collection tactics in flagrant violation of the Fair Debt Collections Practices Act.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2024 2024
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My personal data was unlawfully sold and acquired due to my unfortunate victimization in the Equifax data breach. I urgently request the immediate removal of these unauthorized entries from my credit reports. Attached herewith is evidence confirming Equifax 's acknowledgment of my status as a victim in this breach, yet no corrective action has been taken.
Consumer complaint received 2016-09-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (KS)

Diversified Consultants Inc. ( DCI ) is reporting a debt to the Credit Agencies, and has never contacted me. I do not know them, or have I ever done business with them. I recently pulled my credit report, and DCI was reporting on to all XXXX agencies since XXXX 2016. I have never received a letter or notice from DCI, I never gave my prior consent, and was never given the option to dispute. 
On XXXX XXXX, I sent DCI a letter, see attached, in the absence of prior consent, or content from a court, they are to cease and desist until consent if obtained or provided. I to date, have not received any communication from DCI. Without being given the option to dispute, this entry has been in my credit profile for four months. 
Lastly, I am a victim of Identity Theft. I have no idea where DCI obtained my information, and again I would have clarified this situation, but was denied the opportunity to do so.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In Credit Karma : XXXX use an account that was closed and part of a bankruptcy case to decrease my credit score in excess in an unfair way that decreased my credit score by XXXX points. This was unfair discrimination, retaliation behavior in a recent dispute on my credit report and this action XXXX did was not reasonable. In comparison to a recent change to my credit report with this agency I paid down a credit card account significantly. XXXX didn't increase my score fairly as to the same magnitude and fair as they did based on how they decreased my credit score. I feel this type of action on my credit report was discrimination and negligent. They failed to exercise proper care or taken action that is reasonable in regards to my credit information in which that is negligent, retaliatory unfair discriminant behavior.

Negligent Violations Willful Violations
Consumer complaint received 2017-01-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (TX)

Diversified has called my office on multiple occasions from different numbers attempting to collect a debt from someone not associated with this office or myself. 

XXXX XXXX We 've asked them to stop calling but they continue and I feel as if they are violating the FDCPA. 

Can you please assist?
Consumer complaint received 2016-02-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (NJ)

Phh Mortgage servies. Have been tryikng to get a Hamp Modification for a year. They keep saying my paperwork expired or something is missing. They held my payments in a suspense acount and reported to my crdit report that I was n't paying. Told me i got the loan and tried to have me sign papers that would have caused XXXX more in iterest. Trying to fourclose on me now even though i have been paying every month
Consumer complaint received 2016-11-28
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: CITIBANK, N.A. (FL)

I received a prepaid debit card from Citi bank as a reward from XXXX XXXX XXXX. I have tried using the debit card and was unable to verify my balance for an extensive amount of time. When finally getting the card reactivated I was informed that I incurred service fees on the account while it was deactivated.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (NY)

Milestone Credit card emailed me a couple of times since 2023 offering me a credit limit of {$700.00}. Last XXXX I tried applying it but they emailed me that my application is not complete because I need Government issued ID to be mailed or fax, but I disregard the application. But last week when I was checking my mailbox I received a card from them with a {$700.00} credit limit, I used it in the grocery store not knowingly that as soon as I used the card they will charge me of {$170.00} annual fee. Its not a problem paying annual fee but its too early to charge customers that is supposedly annual fee will be charge on your 1st year of using the credit card. And also they charge too much {$170.00} is too much for a {$700.00} limit. I called the customer service but they said they can't help because im requesting to waive the annual fees. Please Help me
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (UT)

I do not have enough confidence in LEXISNEXIS to fulfill my request for my file disclosure. Too many other consumers are having problems with them not listening to the consumers ' needs. So I am utilizing the CFPB in order for me to insure the accuracy of my file.
Consumer complaint received 2020-04-28
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. (FL)

XXXX  and Transunion continue to report a fraudulent account on my credit report that does not belong to me. I have tried numerous disputes to no avail. They are in violation of the FCRA.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OR)

I failed to pay an annual renewal fee on my credit card. The creditor then charged me a late fee of {$27.00} and reported me 30 days late to the credit bureaus, harming my credit score. I think they should have simply closed the account when I failed to pay the renewal fee. My failure to pay should be deemed a failure to renew.
Consumer complaint received 2015-09-11
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Seterus, Inc. (LA)

I HAVE AN ACCOUNT THAT IS FRAUDULENT WITH YOUR COMPANY THAT NEEDS TO BE RESOLVED IT IS REPORTING ALLTHOUGH IT WAS CREATED AS A RESULT OF MY IDENTITY BEING STOLEN THIS ACCOUNT IS NOT RECOGNIZED.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) against Equifax due to their failure to respond adequately to my dispute. On XXXX, I sent a dispute letter to Equifax, seeking an investigation into inaccurate items on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and an incorrect name. Subsequent to this, I sent follow-up disputes on XXXX and XXXX. Unfortunately, I have not received any response from Equifax with investigation results. 

The Fair Credit Reporting Act ( FCRA ) explicitly states that if the completeness or accuracy of any item of information in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation. Equifax 's failure to initiate a reasonable investigation is a clear violation of my consumer rights as outlined in the FCRA.
Consumer complaint received 2022-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Below was a message I sent to PayPal that has yet to be resolved/replied to : " I tried to sync my XXXX to PayPal, but XXXX asked me to set up my PayPal as a business account. So I did. Then, 1 minute later, my PayPal account was " permanently limited '' ' but gave NO SPECIFIC reason as to why. I read every User Agreement and Resolutions page on PayPal, but there is no answer I could find. I've been on hold with PayPal 's customer support for over 2 hours! I need : 1 ) to unlock my account 2 ) transfer the money in my PayPal to my bank account, asap! There was already a class-action law suit against PayPal where your company had to pay {$4.00} XXXX in restitution. '' I have close to {$500.00} stuck in my account with no way to transfer and get it ou!
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX and Equifax refuse to take a bad credit line off while XXXX XXXX did. The trade line is XXXX Bank. This is over 7 years old and needs to come off. My disputes with them have not resulted in any action.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-27
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (TX)

Due to a banking mishap I was stuck out of town in a business trip with no cell phone or way to pay for food. I had to get a payday loan to survive. As I was new my job I had to get the first one that approved me. Now I am paying 775 % on a XXXX loan.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Based on the FCRA 15 USC 1681 ( 5 ) ( A ), the account with XXXX XXXX has several violations which include : XXXX XXXX Based on the provided credit report information, here are the discrepancies and inconsistencies found between each credit bureau : Account Holder : XXXX : XXXX XXXX : XXXX Equifax : XXXX Inconsistency : The account holder information is partially redacted, making it difficult to confirm if it is the same across all bureaus. 
High Balance : XXXX : {$770.00} XXXX : {$710.00} Equifax : {$770.00} Inconsistency : The reported high balance differs between XXXX and XXXX. 
Monthly Payment : XXXX : {$99.00} XXXX : {$97.00} Equifax : {$99.00} Inconsistency : The reported monthly payment differs between XXXX and XXXX. 
Last Reported : XXXX : XX/XX/2023 XXXX : XX/XX/2023 Equifax : XX/XX/2023 Inconsistency : The last reported date differs between XXXX and XXXX. 
Past Due - XXXX  Days : XXXX : XXXX XXXX : XXXX Equifax : XXXX Inconsistency : The number of past-due days ( XXXX  days ) differs between XXXX, XXXX, and Equifax. 
Remarks : XXXX : - XXXX : Canceled By Credit Grantor Equifax : Account Closed By Credit Grantor Inconsistency : The remarks differ between XXXX and Equifax. 
Responsibility : XXXX : Individual XXXX : Individual Account Equifax : Individual Account Inconsistency : The reported responsibility type differs between XXXX and XXXX. 
Credit History Timeline ( Late Payments ) : There are discrepancies in the reporting of late payments ( XXXX, XXXX, and XXXX  days ) across the XXXX credit bureaus. Detailed information about specific months is not provided, so it's challenging to identify the exact inconsistencies in the timeline.
Consumer complaint received 2024-02-08
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. (MD)

The Following Inquiries Where Not Authorized By Me. 
XXXX XXXX BANK XXXX, XXXX XXXX, XXXX, XXXX XXXX AUTO, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX BANK ( Bank ), XX/XX/XXXX XXXX XXXX XXXX XXXX ), XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ), XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ), XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO, 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 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX CAP XXXX NA, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX T, XX/XX/XXXX 2023