davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report are all fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, MI XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On ( DATE OF COLLECTION REPORTED ON YOUR ACCOUNT/COLLECTION LETTER SENT TO YOU ). XXXX XXXX, XXXX, and XXXX add a derogatory mark and has too many inaccuries on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's Creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature even it has no balance for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA XXXX XXXX, XXXX, and XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-06-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Specialized Loan Servicing ( SLS ) has been sending me notices regarding an alleged debt ( see attached ). I have sent numerous requests to them to prove up the validity of the debt and produce accounting records via qualified written request ( QWR ). SLS did not respond to my specific demands. Most recently, I have requested that SLS send a payoff demand and produce the rights to release the alleged lien. Their failure to respond to all of my requests has interfered with the ability to sell my home. SLS. SLS assumed the servicing rights from XXXX XXXX XXXX, who also would not respond to QWR requests. XXXX is in violation of numerous FDCPA, HUD and RESPA laws. I am seeking your assistance on this matter before I proceed with litigation.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2021-06-29
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: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on XXXX  in place of filing a police report.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent certified letters to dispute inaccurate information reporting to my credit report. The credit bureaus continue to ignore my request to remove this record and states that the account meets FCRA requirements, however, will not supply information as to how they are verifying this public record. I have contacted the bankruptcy courts who have confirmed that they do not verify any information with he credit bureaus. This is reporting in error and could be a case of mistaken identity.
Consumer complaint received 2021-06-29
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 ()

PayPal closed my account for no reasonand will not help me getting me in back up and going.I am not sure if this some mistake as i assumeit has to be. I have not been able to get help from them for months but i just rememberedi could file a report on here as i feel they are not doing thier job properly and it is affecting me a great deal as i used PayPal quite frequently.My email link to my Paypal is XXXX XXXX
Consumer complaint received 2021-06-29
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: Affirm Holdings, Inc (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (DE)

I have been charged with owing money because someone used a credit card issued at XXXX XXXX through XXXX in the amount of more than {$3400.00}. This was from 2017. I have not had an account with XXXX since the XXXX and have never had an account with XXXX XXXX. I have contacted XXXX and XXXX XXXX, and both have no information about me, but the debt remains on my record. Neither XXXX XXXX nor XXXX is able to do anything else to resolve this issue since they are not able to find me in their system. My ID protection adviser through XXXX has asked me to file this report.
Consumer complaint received 2021-06-29
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. (FL)

The following accounts must be deleted from my consumer report. This is a violation of 15 usc 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD. Failure to respond satisfactorily with deletion of the referenced account and also a free copy of my report after the changes have been made will result in actions being taken against your company. 

i'm actually the person sending in my own disputes to the Consumer financial protection bureau, Federal Trade Commision, Attorney general, XXXX XXXX and Transunion.
Consumer complaint received 2021-06-29
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. (MN)

The following public record and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report, is inaccurate, incorrect, and not my public record or credit inquiries : Bankruptcy Chapter XXXX Discharged, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following public record and credit inquiries listed on my Equifax, XXXX  and XXXX XXXX credit report, is inaccurate, incorrect, and not my public record or credit inquiries : Bankruptcy Chapter XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (WA)

My initial loan servicing company is Plaza Home Mortgage, my loan started on XX/XX/2021. On XX/XX/2021 I received a mail saying my loan was transferred to other company XXXX XXXX XXXX, and I should start making payment to them from XX/XX/XXXX. I setup automatic payments with XXXX XXXX XXXX. I also had setup automatic payments with Plaza Home Mortgage before the transfer has happened. 

On XX/XX/XXXX my bank account was charged twice, first by XXXX XXXX XXXX and Plaza Home mortgage. I called to Plaza and asked them to verify it. On XX/XX/XXXX they send me a refund check AND a delinquent notice ( two separate mails, dated with a 2 days difference ). I called to Plaza and asked them why did that happened. They said the delinquent notice mail was sent by error and I should ignore it. They also said my transfer is STILL in progress. I asked them to open an investigation regarding that and suspend my account if the transfer is over, to avoid double payment in the future. They confirmed they have investigation tickets in place for my account. 

Starting from last week I keep receiving calls from collection agency of Plaza mortgage and today ( XX/XX/XXXX ) I received mails from them stating i still owe them and they charged me with late fees. 

I feel helpless. I pay to my current mortgage servicing company and I don't understand why I have to deal with incompetence of Plaza Mortgage employees.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I recently was in the hospital and missed a payment to XXXX. When the next bill arrived I saw I had been charged a {$40.00} late fee. I realized I had missed the payment and because the fee was so high, I paid the entire amount owed on the credit card.. The current months bill arrived and it said I owed {$48.00}. I was shocked because I had paid the card off the month before so I called Comenity Bank which handles XXXX store charge. They charged me another {$40.00} late fee, and a {$2.00} service fee because they said I had not paid {$13.00} from the month before. I had paid the entire amount the month before because I did not want to do business with them any longer after receiving a {$40.00} late fee. I have paid the entire bill again and have requested that the account be closed. I was curious to see if this had happened to anyone else and to my surprise, found there are numerous complaints against Comenity for holding payments until after the due date. Is there any way this can be investigated? I am tired of being taken advantage of.
Consumer complaint received 2021-06-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2020, I ( XXXX XXXX XXXX booked 2 one-way flights from XXXX Texas to XXXX XXXX for {$580.00}. I used XXXX to search for the flights and booked through an online travel agent called " XXXX ''. The Airline was XXXX XXXX  and was scheduled for departure XX/XX/2020. On XX/XX/XXXX the flight was cancelled ( I received cancellation email from airlines XXXX. On XX/XX/2020 I received an email from XXXX XXXX saying that " The refund for flight cancellation has been forwarded to the travel agent I booked with ( XXXX  ) ''. XXXX Euros were deposited in a Mastercard ending in XXXX ( XXXX  ). I could not recover refund from XXXX so I opened a dispute with my credit card XXXX Bank of America Visa ending in XXXX ). The dispute was rejected because there was " No Cancellation Policy ''. I opened up another claim with Bank of America. I made sure that they were aware that the travel agent had received my refund, but they were just holding it. I had personally spoke with a representative from XXXX XXXX that gave me the exact date and the card information for the refund that they had already sent to XXXX. I forwarded this information on to Bank of America in the second dispute. Having provided this information, I figured it would be a matter of time before the dispute would be reviewed, Bank of America would see that i paid for a service from a third party. the service was cancelled, and the third party kept my money. How could anybody look at those circumstances and see that I was not due a full refund? A few months later, I received another letter from Bank of America saying that they decided against me in my dispute claim, and that I needed to go through gotogate for a refund. XXXX has horrible customer service and there is no way to reach management and if you get somebody on the line and they cant answer your question, they will just hang up on you. They are also based in XXXX, which makes it even more difficult to reach leadership/management. I want to file a complaint against Bank of Americas credit card department because their dispute department has failed Me ( Their customer ). They should protect their customers from borderline illegal activity by merchants. This travel agent has held my money for over a year now and Bank of America is just letting them get away with it and that's just wrong.
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

In an email trail that I have attached that began on XXXX XXXX, XXXX, I asked XXXX for a forbearance and mortgage modification. I been affected by XXXX and had not been able to return to work because I was diagnosed with an autoimmune XXXX and XXXX in XXXX of XXXX. 

In my complaint filed on XX/XX/XXXX XXXX XXXX XXXX, I provided the completed mortgage assistance application and all the required documents. But, Shellpoint was refusing to acknowledge the completed application until I filed a complaint with CFPB.

Shellpoint provided what appears to have been a streamlined modification, which the payment was hirer than the income on the XXXX assistance application. I contacted Shellpoint and informed them that I could pay the {$1000.00} because of the American Rescue Plan as I had started to receive unemployment. But, I expressed concern that after unemployment ended, which is ending early here in Texas, I would have difficulty paying it. I am having a difficult time obtaining a job due to my ongoing medical condition. 

I paid the first trial payment of {$1000.00} in XXXX of XXXX for XX/XX/XXXX. 

Then, on the statement due in XXXX of XXXX, Shellpoint indicated that I was in a trial modification and stated the payment was {$990.00}. 

On XX/XX/XXXX, I asked XXXX XXXX XXXX my Shellpoint designated representative ) if the {$990.00} was correct. I paid the {$990.00}. 

On XX/XX/XXXX, XXXX XXXX said he would have to ask his supervisors and never did give me a response on the correct trial payment amount. 

So, for the third and final trial payment in XXXX, I wrote a check # XXXX for the {$1000.00} plus and additional XXXX. XXXX to make up for the XXXX trial payment since XXXX never responded. 

Now, Shellpoint is trying to act as if they did not receive the final payment and I have not completed a trial modification. 

I have attached the statements which are incorrect. My escrow account is not negative {$3200.00}. Shellpoint overcharged me so much on my escrow account that even without me making all the payments in XXXX, the account had enough money to pay the taxes and insurance. 

The amount of past due payments is incorrect because Shellpoint did not apply all my payments before the modification, is holding trial payments.

Plus, Shellpoint is charging unearned fees for Property inspection disbursement and late fees for partial payments and I was in a modification.

Plus, Shellpoint took {$270.00} that XXXX advanced to Ditech on my account.
Consumer complaint received 2021-06-29
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: Santander Consumer USA Holdings Inc. (NC)

I asked Santander to validate this fraudulent loan. They responded with my name, address, and contract that I am disputing as well. I have attached the response here. Per 15 USC 1692g ( 3 ) ( 4 ) ( 5 ) Santander has not supplied. Furthermore, I disputed this account with an affidavit. Santander 's response was not an affidavit. Allegations in affidavit in support of motion must be considered as true in absence of counter-affidavit. See Croup v Finletter, 108 F. Santander has violated numerous 15 USC 1692 codes. They go by multiple names which is misleading.15 USC 1692e ( 2 ) ( A ) Also, all debts in contract are shown in the positive, which is very confusing. I have learned that the security interest that they speak of has already been paid for by me the consumer as the original creditor 15 USC 1601. They have violated 15 USC 1692f ( 8 ) using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mail. All of their mail has a logo on it, outside of the name and mailing address. 15 USC 1692h no payments made to the debt collector may be applied to any debt which is disputed by the consumer, and shall apply such payment in accordance with the consumer 's direction. I have asked Santander to pay me by check for the multiple violations, and payments made that I have disputed. Furthermore, they have violated 15 USC 1692j by furnishing their name on all documents as the original creditor. Including on my credit reports.

The affidavit of Truth was unrefuted so it stands as truth. Please remove this account from all credit bureaus and pay the invoice attached.
Consumer complaint received 2021-06-29
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 (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-28
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: Experian Information Solutions Inc. (NV)

I am a victim of identity theft. Someone has opened numerous accounts in my name. I have reached out to the credit bureau 's to help me resolve this problem. its been over 30 days with no reply. I feel like i'm being taken advantage of. this situation has been extremely stressful. I have sent in my police report an disputes. I have called the company 's to try to resolve with no help. I feel im being ignored. If something its done soon I will be forced to seek litigation. The law clearly states that I should be contacted with in 30 days Of the start of the investigation. Which I have not been. My info was also compromised by the XXXX  data breach. I am a victim an I will not continue to be bullied. Please look into this immediately. thank you