davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC (TX)

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under Harvard Collection Services. I requested a validation on XX/XX/2020 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has it been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

DISPUTE WITH : - Shellpoint Mortgage Services - NewRez LLC BACKGROUND : My house was purchased at a sale price of {$550000.00}. I put a 10 % down payment ( {$55000.00} ) ; due to the down payment amount being below 20 % I was required to pay for Private Mortgage Insurance ( PMI ). This was in XX/XX/XXXX and I have paid my mortgage on time every month and my account is in good standing. The mortgage was with originally through " XXXX XXXX '' and the collection was handled by " XXXX ''. XXXX filed for bankruptcy and my loan is now being serviced by " Shellpoint Mortgage Servicing ''. The transfer took place mid to late XXXX. 

ISSUE : In XX/XX/XXXX while going through various mortgage documents I found a letter sent to me by XXXX which indicated that my mortgage was eligible to cancel PMI with the reasoning being that the original Loan-to-Value ( LTV ) amount was below 80 %. The letter was sent on XX/XX/XXXX. I did not respond at the time since the " Homeowners Protection Act '' states that the lender is required to automatically drop the PMI at the point which the original LTV has reached 78 %. The cancellation amount ( 78 % of {$550000.00} ) is {$420000.00} and was reached on XX/XX/XXXX where the principal amount was {$420000.00}. 

The LTV of my loan in XX/XX/XXXX was already around 75 % but I am still charged PMI every month. Confused as to why, I started looking into what I could do to push that along. The original letter I received from XXXX in XX/XX/XXXX said that I have to send a message to start the process. Shellpoint 's website also indicates that for PMI cancellation to take place would also require that I send a message. 

The mortgage company owned by Shellpoint that I interface with directly is called NewRez. Using the messaging form on their website on XX/XX/XXXX I sent a message that I wanted the PMI cancelled. Shortly after I received a letter in the mail stating that I have to pay for an appraisal to remove the PMI. I immediately called them and told them that I would not get my house reappraised and that the PMI should have been rermoved automatically ; every customer representative confirmed that the automatic cancellation should have happened last year. They told my that they would investigate the issue and within a 45 day window would give me an answer. It has gone past their self imposed window and they still say that the issue is " pending '' without offering any additional information. 

I was told that since I send a message to cancel the PMI that I have to now get an appraisal implying that letting it cancel automatically would have avoided this. The problem is that its almost a year past the point when the PMI should have been automatically cancelled. If I did not message the company then presumably I would be paying PMI indefinitely. I believe Shellpoint Mortgage Servicing to be in violation of the Homeowners Protection Act by refusing to drop the PMI.
Consumer complaint received 2020-08-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Corporation of America (AL)

For months this company has continued to call. Yesterday, XX/XX/2020 the company called 30 times! 30 times! For months I have requested they remove my number from their calling list. I do not have any debt with them or any of their clients. I verified this yesterday. I asked 4 different representatives to input my telephone number and find my name. They could not, but they did express that there were PAGES and PAGES of names associated with my personal phone number. I asked to speak with a manager or  someone in their IT department because it seems that there is a glitch in their system that has linked my telephone number with hundreds of their clients. I asked them AGAIN to put me on the Do Not Call list. XXXX assured me that she spoke with her manager and I was on the DNC list. I had 5 calls while I was on the phone with her trying to get this resolved. I had to change my telephone number. The harassment and blatant refusal to remedy this problem was unacceptable and I would like an investigation.
Consumer complaint received 2020-09-01
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: GOLDMAN SACHS BANK USA (AK)

I have a successful dispute, I have spent the last 2.5 months trying to get this resolved with Apple/Goldman and even after getting their email that my dispute was successful, they refuse to credit my account. The item I ordered was being shipped to a bad address. I notified Apple before it was shipped and they said they would cancel the order and I would have to reorder the item because they said they where unable to update the shipping address. I was told the item would be returned to Apple. So, I reordered the item and it was sent to the correct address. Apple did not cancel the order. It was delivered to the bad address. I was sick paying for both items. They finally resolved my dispute but yet they have not and will not credit me and are still charging me for the item.
Consumer complaint received 2020-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: All State Credit Bureau, Inc. (MI)

Paid All-state Credit Bureau on XX/XX/2020 XXXX in full still saying unpaid. Filing a complaint against this company. Its illegal for a collection agency to collect and the collection was paid. Especially when it was never the original creditor that I owed debt to. Also this would've never been paid if I didnt need this to be paid to get the mortgage on my home. I've sent a letter to the Attorney General Office for further investigation on this company. I've put in multiple complaints with this company and CFPB has not did anything or investigate this company at all. I will keep filing complaints until this matter is resolved and removed off my report.
Consumer complaint received 2020-08-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE (CA)

I applied for a Barclayus credit card on XX/XX/2020 in order to purchase ( online, due to Covid ) an XXXX  XXXX, XXXX  XXXX  and XXXX XXXX  for work. Total dollar amount of the order was {$1000.00}. The order was placed on XX/XX/2020 and shipped on various dates/locations due to stocking locations and other limitations ( covid related, surely ). XXXX has a deal in place to receive interest free financing on items purchased, contingent on the dollar amount purchased. The financing on the Barclay terms were for 18 month interest free financing for amounts over {$990.00}. Now, Barclay is indicating I have a part of my purchases whereby the interest free portion is expiring in XXXX ( 6 months from the date of a few of the items ). I spoke to XXXX, the manager at Barclayus.com today and he indicated that because the items were shipped on different days, the terms for each shipment impacted the financing. However, the attached contract terms ( printed on the day I applied for the card ) indicated otherwise : that all orders " made within the first 30 days '' are eligible for the terms. Barclay is saying this is the fault of XXXX : it is clearly not as the Barclay terms outline clearly what should happen. This appears to be a case of bait and switch.
Consumer complaint received 2020-08-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I contacted the Capital one credit card costumer service to make dispute about XXXX XXXX don't want to give me refund for a lost package i purchased online by {$820.00} but XXXX XXXX answer my Bank with the wrong proof so send them back my proofs for lost package my bank told me you late we can't do nothing with XXXX XXXX because we didn't get your answer in the time i called my bank i told them i received the letter from you late too they told me we can't do nothing for you this is our policy with them if we don't get answer in the time we will close our dispute so contacted again more than 4 times my bank they said your dispute is close already we can't do nothing for you this is my information about my dispute : -my case Number with my bank:XXXX XXXX -my order number with XXXX XXXX : XXXX
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (VA)

Springleaf Financial is reporting a delinquent status on a closed account that has no balance. They are reporting the past status as the current status which is reporting to XXXX and XXXX each month as delinquent and causing the item not to age. Please let me know if you can assist.
Consumer complaint received 2024-11-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (NY)

I have been a victim of identity theft and fraud on my accounts, in 2022 my personal information was stolen, several accounts has been opened under my name without my authorization or knowledge and i am unaware of these accounts. I have sent a letter to the following creditors in order to verify the debts they allege that I owe and they can not verify debts to me. I enclose the police report and the details of the affected accounts.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2020-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IL)

Alerted XXXX  XXXX XXXX and Wells Fargo we have been scammed from a client of Wells Fargo for our closing money/down payment for our home we were purchasing. The fraud person was pretending to be sellers attorney asking for the payment through wire transfer to not delay the closing due to the corona virus pandemic and money was sent via wire transfer on ( XX/XX/2020 ) the money was sent and the day of closing ( XX/XX/2020 ) we found out it was a fraud/scammer! Now XXXX  and Wells Fargo are not doing a better job of returning my funds back from this scammer! I can provide more documentation if requested
Consumer complaint received 2020-09-01
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. (CA)

The three main credit reporting agencies have not removed items that took over 30 days to investigate. When they finally did there was not sufficient evidence with my signature proving the debt was mine. I've asked them to investigate the Bankruptcy on my credit reports and after contacting XXXX ( which they informed me that they have used to validate the bankruptcy ) which informed me that there is no information with my social security number that matches the reportimh. The agencies continue to report a bankruptcy as well as debts including in bankruptcy on my credit report.
Consumer complaint received 2020-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

I am XXXX XXXX and have attached proof. My health hasnt been good over the last years and my identity was stolen several years ago. In addition to false pretenses and mailbox theft and credit card theft, I was impersonated. I filed a sheriffs report and identity theft with FTC. 
I filed a CFPB complaint against Chase in 2018. Life got in the way to give feedback. 
Companys interim response on report reflects Chase tried to contact me on a number XXXX when my phone number and other contact info was listed on report.?? The number was used on several fraudulent transactions and I do not understand how and where they received this number. 
Chases position simply states fraud was denied after I filed sheriff 's report and FTC identity theft report
Consumer complaint received 2020-08-26
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: PENTAGON FEDERAL CREDIT UNION (DE)

I have a loan with XXXX, PENTAGON FCU, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX, PENTAGON FCU, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX place a collection account from XXXX on my credit report I put in a dispute with Experian and let them know it was a case of fraud but they didn't remove the account. This account doesn't belong to me someone used my name without my permission.
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Acceptance Corp (OH)

Made a payment in full to the law firm that Merchant Acceptance hired as a third party of XXXX in the amount of {$1600.00} ( The payment I was told plus The court fees that was added ). The representative I spoke to XXXX XXXX took all my information over the phone stated that I will receive a paid in full letter as well as the court statement that I paid the XXXX XXXX off in full. Before all of this I have made several attempts to pay off the balance with no luck. Until I was finally able to speak to Mr. XXXX @ XXXX XXXX XXXX XXXX ext XXXX on XX/XX/2020 @ XXXX XXXX. To get the matter taken care of. Now Merchants Acceptance is stating that I did not pay anything. The calls in both offices are recorded, so I do know that I paid the balance in full. All they have to do is pull the phone records plus it shows in my bank statement that a lump sum of money was withdrawn from XXXX who represents Merchants when they are sueing people.
Consumer complaint received 2020-08-26
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: AMERICAN EXPRESS COMPANY (DE)

I have a loan with AMEX, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMEX, XXXX XXXX, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Repeated FORCLOSURE attempts with People United Bank, received {$30000.00} grant what I signed for but {$50000.00} put on title of my house. No one seems to know what happened to {$20000.00}. This is FRAUD.
Consumer complaint received 2022-10-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-08-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TN)

I am writing to file a formal complaint regarding an inaccurate debt entry that has been reported on my credit report. After reviewing my credit report obtained from XXXX, XXXX, and XXXX, I discovered a debt associated with XXXX  XXXX XXXX XXXX that I have never opened or authorized. 

The details of this erroneous debt entry are as follows : Creditor 's Name : NCA  Original Creditor : XXXX  XXXX XXXX XXXX Amount of Debt : {$390.00} I want to emphasize that I have never had any financial dealings with XXXX  XXXX XXXX XXXX and have never opened an account with them. The inclusion of this debt on my credit report is not only inaccurate but also damaging to my creditworthiness and financial reputation. 

I have taken immediate steps to dispute this erroneous debt entry with  [ creditor 's name ] directly, but they have failed to respond or rectify the matter. It is disheartening that despite my diligent efforts to address this issue, the credit reporting agency has continued to report this inaccurate and unjust debt entry, which has had a profoundly negative impact on my financial standing. 

I request that the Consumer Financial Protection Bureau launch an investigation into this matter and take the necessary actions to rectify this egregious error. I kindly ask that you contact NCA/XXXX XXXX XXXX  on my behalf and demand that they provide verifiable proof of the alleged debt or immediately remove the entry from my credit report. 

I implore the Consumer Financial Protection Bureau to expedite its investigation into this matter as the inclusion of this false debt on my credit report is causing significant distress and adversely affecting my financial well-being. I kindly request that you keep me updated on any progress made and provide me with regular updates on the resolution of this issue. 

Please feel free to contact me at your earliest convenience should you require any additional information or clarification regarding my complaint. 

Thank you for your prompt attention to this matter. I am confident that with the intervention of the Consumer Financial Protection Bureau, this erroneous debt entry will be swiftly rectified, and my credit report will be restored to its accurate and fair state.
Consumer complaint received 2020-08-26
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. (IL)

DEPT OF ED/XXXX Is showing up as late payments when they should in fact be up to date. Additionally, the payment dates on the loans are incorrect, and show different balances as well as dates. If the information was reported from the same company. All information Pertaining to the loans should reflect all the same information. Due to inadequate information Im asking that these items be permanently deleted from all three credit reports.
Consumer complaint received 2020-09-01
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 have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't move forward with my life with these unverified accounts. Something needs to be done.
Consumer complaint received 2020-09-01
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. (NJ)

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't move forward with my life with these unverified accounts. Something needs to be done.