davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AR)

Cfpb, On XX/XX/XXXX I received a letter from Nationstar/Mr.Cooper saying the have received my Correspondence on XX/XX/XXXX. They said thank you for bring this matter to there attention. This letter says mandatory State pre-foreclosure notices may continue. 
I am wrongfully being threaten with Foreclosure by my mortgage company. My loan is current. I have a permanently modified Home Affordable modification Agreement. Under this HAMP agreement I am not delinquent. My loan is current and in good standing. 
Cfpb on XX/XX/XXXX I wrote to you and uploaded several documents about Nationstar/Mr.Cooper not honoring my Home Affordable modification Agreement. I was current on my loan before The COVID-19 Pandemic in XXXX and I am still current on my loan in XXXX during the COVID-19 Pandemic. 

I am a XXXX woman that has been able to stay current on my loan because of my Home Affordable modification Agreement. The [ HAMP ] program has worked for me.
Consumer complaint received 2021-11-02
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: BARCLAYS BANK DELAWARE (FL)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX and XXXX. Despite sending them the letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : BRCLYSBANKDE XXXX Balance : {$0.00} ; BRCLYSBANKDE XXXX Balance : {$0.00}
Consumer complaint received 2021-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc. (CA)

There is a medical debt on my credit report that is not accurate. I have contacted XXXX XXXX, the collection agency and XXXX about verifying the information. I sent the a police report of identify theft and have asked several time for any type of paperwork that shows me how they properly verified that the medical debts information is accurate and I have not received any call, emails or any type of explanation that can show me how they went about the process of verification. I am not sure what else to do, thanks!!
Consumer complaint received 2021-11-02
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: Clark County Collection Service (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on CLARK COUNTY COLLECTION ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-02
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: Aargon Agency, Inc. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

report in accurate information says i had late payments XXXX and XXXX of XXXX & a repo in XXXX of XXXX. This is incorrect and wrong If you can see on my bank statements i have paid for XXXX in the XXXX statement I paid $ XXXX on XX/XX/XXXX and I paid $ XXXX, for XXXX on the XXXX of XXXX and XXXX i paid for that on the XXXX of XX/XX/XXXX I paid $ XXXX.
Consumer complaint received 2021-11-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (WA)

Leased a XXXX XXXX XXXX in XX/XX/XXXX. During the COVID-19 pandemic, I deferred a payment to the end of the term. All my payments have been made on time. XX/XX/XXXX, I made a payment for XX/XX/XXXX due date. Early XXXX I called Chase as the payment had not credited to my account in full. Chase 's Agent stated that they would " investigate '' the claim and fixed the issue, as my bank reported a charge for the exact monthly amount of the lease ( {$280.00} ). On XX/XX/XXXX, I made my XXXX payment for the exact amount of {$280.00}. It is now XX/XX/XXXX, and Chase has yet to credit my account more than {$10.00} despite my weekly calls. Chase has now assessed two late fees to my account, despite my having made payment.For a solution, I would like to see the account credited the full amount of {$280.00}, as well as the late fees taken away, and my credit report repaired. It is unfair to take my money and not credit my account by the same amount I had paid. It is also unethical to damage my credit with " late payment charges '' when I had made my payment for the months in question.
Consumer complaint received 2021-11-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I Have sent certified mail of which I have proof that the company received. The company is using illegal practices and have failed to provided signed contracts verifying that I owe this company any debt. I would like to have this illegal file deleted asap otherwise I will take legal action and sue in small claims,
Consumer complaint received 2021-11-02
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: Shellpoint Partners, LLC (MN)

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

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX and XXXX. Despite sending them request to provide a proof of last payment and documentation that these accounts belongs to me, I have not received any response up to this date. Besides, the inaccurate information about my accounts are still on my reports. They did not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting incorrectly on my file : NEW RES-SHELLPOINT MTG XXXX Date opened XX/XX/2017 Balance {$0.00} ; NEW RES-SHELLPOINT MTG XXXX Date opened XX/XX/2017 Balance {$0.00}
Consumer complaint received 2021-11-02
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: EQUIFAX, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

Home burnt to the ground on XX/XX/2021. Two checks were released form the insurance company for purchase of the new home ( manufactured ). First two party for XXXX was signed over to New Rez LLC as directed along with the paper work required, ( adjustors report, signed contract on the new home ). After many many phone calls and mis- information, I just recently received a check for XXXX from New Rez. When I inquired as to why the rest of that check was not returned I was told they were holding the rest of the funds until the house was done and they had proof it was livable. The house can not be ordered until the full funding from the insurance company is released. The second check from XXXX XXXX insurance was also endorsed and dent to New Rez as instructed. After many many phone calls which I am given a new reason every time why the funds can not be released. Today, all of a sudden they need a letter from the insurance adjuster as to what the additional check was to be used for. They are very well aware of the pricing of the new home as they have a signed contract. The second check was from a rider in my policy allowing me 20 % more funding if the original funds are not sufficient due to inflation. 
I don not have the personal funding to just order the house and be reimbursed later. I need the entire insurance funds released and then I will still owe some out of my pocket. I am living in a 26ft travel trailer with 4 dogs and my daughter and have been since the middle of XXXX. If the home is ordered today the wait time is at least 9 months. I feel like I am being scammed by NewRez and they are literally stealing my insurance money. The communication at this establishment is ridiculous. The person assigned to my case has called me once during this process and will not return my calls or emails. I have asked to speak with supervisors, they are never available and never return my messages. They are literally just making up excuses why they can not send back the funds so I can order my house.
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I requested a payoff ( XXXX of XXXX ) before my house went on the market ; the closing date was XXXX XXXX. The closing attorneys have requested the payoff the XXXX, XXXX, XXXX, XXXX, and XXXX. I also requested it again to be sent to the attorneys on the XXXX and XXXX of XXXX. Each time we were told it takes 3-5 business days to send a fax. The phone prompt says 1 business. Today the attorneys were told it would be sent by the end of the day yet I was told it was sent. I asked to speak with a supervisor and was told it would take 3 days before a supervisor would call me back, it was not immediate. As off the close of business today, XXXX XX/XX/2021 the payoff still has not been sent. Please help me not only to get the payoff but restitution of lost funds because of the delay.
Consumer complaint received 2021-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

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

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the 3 bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the accounts that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : 1. MEDICAL DATA SYSTEMS I XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 2. MEDICAL DATA SYSTEMS I XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 3. MED DATA SYS XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 4. Original creditor : XXXX Date Opened XX/XX/2019 XXXX {$0.00} ; 5. Original creditor : XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 6. Original creditor : XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 7. Original creditor : XXXX Date Opened XX/XX/2019 XXXX {$0.00} ; 8. Original creditor : XXXX Date Opened XX/XX/2019 Balance {$0.00} ; 9. Original creditor : XXXX Date Opened XX/XX/2019 Balance {$0.00} ;
Consumer complaint received 2022-01-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (OR)

I closed our HELOC on XX/XX/XXXX and requested a reconveyance be recorded to remove the lien from our property because we were refinancing to build a new home and had a lock in rate on both the construction loan and cost of the new home from the builder. This HELOC was paid in full ( zero balance ) for almost a year prior to closing the account XX/XX/XXXX. I have since called USBank 14 times and spoken to 21 different people all assuring me either a satisfaction of mortgage has been recorded or will be recorded. To date one has not been recorded. Nor can I ever seem to talk to anyone higher up than someone answering a phone who can't tell the difference between a recorded document from XXXX or current. I can provide every day and to whom I have spoken.
Consumer complaint received 2021-11-02
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: TRUIST FINANCIAL CORPORATION (MN)

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

I have been patiently waiting on the proof of payment history and any documentation that this account belongs to me. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This is the account that still erroneously reporting on my credit report : SUNTRUST BANK XXXX Date opened XX/XX/2016 Balance-
Consumer complaint received 2021-11-02
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

I sent a validation letter to this company and they have yet to respond it has been more than 30 days.

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I recently applied for credit with XXXX XXXX. I was denied credit by XXXX XXXX because Experian reported a bankruptcy on my consumer credit report. Experian had previously indicated the public record was removed from my consumer credit report. Experian sent me a letter indicating the bankruptcy was removed from my consumer credit report. However, they are reporting otherwise to other companies. The information being reported by Experian is inaccurate and contradictory.
Consumer complaint received 2021-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Walwick, Inc (MI)

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

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that XXXX and XXXX XXXX are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the erroneous account reporting on my Credit Report : 1. MERCHANTS CR XXXX Balance {$70.00}
Consumer complaint received 2021-11-02
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 (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to AMERICAN EXPRESS but they failed to give me any results or feedbacks about this concern. Please investigate and erase it from my personal credit file. Thank you.
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gatestone & Co. International Inc. (IL)

Company has called me several times to attempt to collect a debt with a company I have not done business with ever. I have told them multiple times I never had an account with the company. Never lived at the address they claim they sent a letter to that address. 

I don't even have any information to challenge the account. They are telling me I have to work with the creditor to get this marked as fraud. That's not my responsibility for an account I never had.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I was the victim of a scam in the sale of cryptocurrencies, they asked me for {$300.00} to start investing as a minimum, and then they asked me for {$1000.00} as a fee to withdraw the profits. when I get the gain in the account in XXXX with the customs broker license from the US Department of Homeland security # XXXX, they ask me for {$2500.00} more to upgrade the account and get the money of the profit
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2021 I started to receive a series of letters from Synchroney Bank, XXXX XXXX XXXX, XXXX, Floria XXXX. The first letter was regarding my Sam 's Club MasterCard, ending in XXXX. The letter stated, in raher short terms " After a review of your account, SynchronyBank has decided to close your account-Based on the account s is indicative of high risk of failure to pay ''. I have had this account, and many other Synchrony Bank consumer Credit Card accounts, such as Chevron, Lowes and few others whch have NEVER BEEN PAID LATE nad have never been " overlimit '', as I always pay my card balances in FULL each month! I rarely, if ever carry an open balance on any of these cards! In fact, at the time I recevied this lovely letter from Synchrony Bank I had made a few duplicate payments ( since they alleged my auto-pay didn't go through ), whcih left my Sam 's Club MasterCard with a CREDIT BALANCE, due to my over-payments in the amount of {$11000.00} ( see statement from XX/XX/2021 and others )! When I called XXXX to find out why they closed my accounts, which had CREDIT balances, the staff had no answer for me, other than " The Computer says are are now a risk, so we closed all your accounts ''. his makes no sense at all. I tried to speak with a real human, who could help, but all I got was some overseas operating reading the same inforamtion off hier computer screen. Since no one could help me, I elected to allow the closure of my account and asked for my overpayment to be refunded. Suprisiingly enough, this did occur and this zeroed out my account, and it was closed.A few motnhs later, Synchrony decided to MAGICALLY re-Open this CLOSED account and start adding charges and fees for rpoducts and services I never authorized or purchased! I CAN'T GET THEM TO STOP! They are no trying to impact my credit rating for thier poor mismanamgent of my old Sam 's Club MasterCard Account. Oh, they also cancelled all my other Sychrony linked card too, for no reason or justifiable cause! HELP!!!!