davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am requesting with this written complaint that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : XXXX XXXX XXXX   XXXX Comments states this was a collection account. This is incorrect. The Account type is incorrect. This is nonfactual reporting. Please remove from credit report. XXXX XXXX XXXX  XXXX Comments states this was a collection account. This is incorrect. The Account type is incorrect. This is nonfactual reporting. Please remove from credit report. XXXX   XXXX XXXX  XXXX This account shows three 120 day late 's consecutively from XXXX. You can not have the number of day late 's the same more then one month in a row. This is non-factual reporting Please remove this account. XXXX XXXX This account should not be reporting a status date after the final paid date. This is non-factual reporting Please remove this account. XXXX XXXX XXXX XXXX No contract with this company. XXXX XXXX XXXX No contract with this company. Please remove this account.
Consumer complaint received 2020-11-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northern Service Bureau, Escanaba Inc. (MI)

None of the options offered on the last page matched my problem. First of all I never once received a written notice of this debt before it was reported to the credit bureaus. Northern Services bureau agreed to remove my delinquency completely from my credit report if I paid there settlement amount in full by XX/XX/2020. I did pay the full amount of the agreed upon settlement amount of {$620.00} before or on that date. After I paid the full payment they didn't remove the items from my credit report and instead added more individual paid debts from the past to my credit report out of nowhere. They lied or distorted the truth of our agreement. This has been a significant burden to me during a worldwide pandemic. When I contacted them they would not resolve anything without me giving them my new phone number but I refused. We resolved the original agreement over email. There is no reason they can't do this over email as well. They have decided to destroy my credit during the middle of a pandemic instead of just sending a written bill before going to the credit bureaus.
Consumer complaint received 2020-10-27
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: Self Financial Inc. (VA)

On XX/XX/XXXX, I submitted my original dispute, via XXXX, with SELF FINANCIAL INC/XXXX XXXX stating the amount reported and status of the account is wrong. ( This account has been closed with a {$0.00} balance since XX/XX/XXXX, with the deposit returned to me on XXXX ). XXXX came back and stated that the information was updated on my credit report - only for it to somehow end up back at the original amount with a LAST REPORTED DATE of XX/XX/XXXX. I then resubmitted for a new dispute to correct the information and yet again, XXXX came back and said that this is correct. It shows a 100 % utilization on a card that I do not have, and have not had for MONTHS! How is this possible!?!
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

The mortgage company did not pay the school tax bill. The first deadline was XX/XX/2020 and the amount due was {$2800.00}. I contacted them in XXXX to inquire about the payment and was told that it would be paid on time. I submitted a copy of the bill to them, even though their website said that this was not necessary to do. It wasn't paid and the amount increased to {$2900.00} on XX/XX/2020, due to it not being paid on time. I contacted them several times in XXXX to inquire about when it would be paid. They sent a letter dated XX/XX/2020 which stated that they paid it and {$2800.00} was deducted from my escrow account and the late penalty was covered by them. I contacted the tax office several times and was consistently told that it was not paid. As of XX/XX/2020, the tax collector stated in an email that it has not been paid. Multiple calls to the mortgage company have not fixed this. They encouraged me to file a complaint, on their website, which I did. Several times I was told that it would be fixed and they would call me back to confirm, and they never call back. They stated that all they would do is provide me with a letter stating that they sent the check, however that does not satisfy the bill that the tax collector has not received. On XX/XX/2020, the amount owed will increase to {$3200.00}, due to another penalty for it being late.
Consumer complaint received 2020-10-27
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. (NC)

Over several of months I have been in contact with Experian I have called and spoke with a customer service reps in regards to my disputes that I previously disputed via telephone, electronically, and via written disputes in which i have sent 3 rounds of disputes. Experian has yet to remove them from my credit report i dont know what else to do at this point.
Consumer complaint received 2020-10-27
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: Shellpoint Partners, LLC (TX)

We have gone into forbearance due to a worldwide pandemic as of XX/XX/XXXX, We were approved for forbearance and even managed to make our XX/XX/XXXX mortgage thankfully due to the stimulus that was given to us as tax payers by our government. We have requested and were approved by our mortgage company for an extension on the forbearance until the end of XX/XX/XXXX. 
Shell Point Mortgage has continued to report our payment as late to the Credit Bureaus and we continue to receive correspondence that we owe the missed payments and are in jeopardy of foreclosure. At the same time we continue to receive correspondence stating that we are in forbearance and no payment is due! We should be protected by the CARES Act and this is becoming a battle that may require Legal Assistance that we can not afford. We have made multiple disputes with both the bureaus and the mortgage company to no avail. We have also been in constant contact with the lender in regards to this matter. We could really use some help in order to resolve this issue.
Consumer complaint received 2020-11-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (CA)

The first call was a woman that Claimed to be a process server for XXXX XXXX XX/XX/2020. Phone number she called from XXXX. She claimed to have papers for me and I needed to contact her right away. After that first call Ive gotten several calls ( 4 to 5 times daily ) from a man named XXXX XXXX. Said he worked for a law firm. Phone numbers ; he calls from an anonymous phone number, one right after another before he will leave a message. Then he will call from these other numbers XXXX, XXXX ext XXXX, XXXX. These harassments are daily. He wants me to pay him for a US Bank debt of {$3100.00} by a docu-sign email he sent me during the first conversation I had with him. The pressure from him, the degrading threats have caused me into serious XXXX. He told me I was served in XXXX and my case number was XXXX  XXXX. He then told me my court date was XX/XX/XXXX at XXXX. But I should pay him now with the XXXX and I wouldnt have to go to court. I was never served any documents from the court. I gave him my credit card number and I have since shut that card down. After I got off the phone I was shaking. He said things degrading me and that I should of been paying my bills. After I got to thinking about my debt I realized that I only had a checking/saving account with US Bank so I called them with all the information he gave me to see if I owed them anything. I didnt have any debt with them. I called the court house and spoke with XXXX to see if I was served and if I was supposed to be in court on XX/XX/XXXX at XXXX and gave her all the information. She said NO and those numbers are false because their document have letters in their case numbers and they dont do civil cases on a Wednesday. He keeps threatening me with filling papers with the court if I dont pay him and legal action will be taken. My husband told him to serve me properly and we will discuss this all in court and to stop calling. But still he continues over and over. I called the State Bar to see if this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX was even a law firm. Its not. The XXXX XXXX told me to call the district attorney office inXX/XX/XXXX to see what they could do and so far because of my work schedule I missed her phone call but desperately want to speak with someone there. Yesterday, XX/XX/2020 he threatened to call my work and harass me there. I had to speak to my boss and let her know what is happening and its humiliating. Im tired, with constant anxiety and fear this man is going to come to my home or work. If this was legit I would face it but its not.
Consumer complaint received 2019-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On numerous occasions I have contacted Capital One and provided documentation regarding my account. The account was opened approximately 1 year ago and upon opening my job relocated myself out of the country which I thought would be permanent became only temporary and now here I am back in the XXXX and have spent many hours on the phone with Capital One trying to resolve the issues they had with issuing the card to myself. Capital One security department on many occasions kept referring back to the number I had prior to leaving for XXXX and demanded that was the only number theyd accept for verification with the account. Having lost the number when I left I no longer was able to receive such a text from them, so therefore finally they requested further documentation in which I provided and after providing the security department told myself that what they received wasnt acceptable and would be permanently restricting the account and closing it. A month and 1/2 proceeded and I saw that the account was not closed and contacted Capital One and was immediately sent to the fraud operations department which started out with the rep there lying to myself about 2 issues and only to go on further and I had enough at one point and ask for a supervisor and at that point i began to record the call and the rep stated there was non available and i could try back next week and speak with someone and could be assisted then. I at that time called from my other phone and got a guy on the phone from the same dept who stated that yes there is supervisors available. I took the call with him only for him to argue with myself about he wasnt able to close the card and then i asked for a supervisor and he told me at one point one wasnt available and then I demanded and he then stated yes one was available but id have to get a call back and I stated I'd hold for one and he then insisted one call back, I believe with no  intentions of having someone call. Finally he says hes getting one and places myself on hold for 25 min to then come back and say he can proceed with closing it. Capital One has kept the account on my credit file for an excessive amount of time and then refused to close it only to tell lies which I have recorded.
Consumer complaint received 2020-11-07
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: Experian Information Solutions Inc. (MS)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2019-03-15
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. (FL)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX   XXXX, XXXX, GA XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-10-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

A company called Portfolio Recovery Assistance has been calling me every day for the past six months or more regarding a debt they acquired from another shady debt collector. 

This company calls me several times a day throughout the day from multiple numbers from different states below you will find a a list of numbers that I was able to collect recently. I have asked that they please stop calling, but they refuse to do so. 

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 Your assistance with this matter would be greatly appreciated. 

Thank you
Consumer complaint received 2019-03-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JTM Capital Management, LLC (PA)

Hi, My debt was sold by XXXX XXXX XXXX , XXXX to JTM Capital Management , LLC. I managed to find their contact information through the XXXX ( XXXX XXXX XXXX ) and called repeatedly with no answer and no call back even though the voicemail promises a call back within 24 - 48 hours. Through more searching on the XXXX, there have been numerous complaints about JTM Capital Management.  XXXX published on their website that XXXX is under investigation and has not been compliant. Their website is not credible and there is no other way to get to them. I am devastated by this experience as a person that is trying to improve my credit / financial situation ; because this is the same situation as XXXX XXXX XXXX , XXXX, I am inclined to think that this is a scam of some sort / I don't owe this debt. I am seriously questioning the validity and credibility of these two companies. I honestly did not think it would be this difficult to pay something I owe. 

Please refer to this link to the XXXX  regarding JTM https : XXXX # Alert If you're able to help shed light on this situation, I would greatly appreciate it.
Consumer complaint received 2020-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NC)

In XXXX, XXXX I received a collection for 1200 something dollars so i began to dispute it. Next time i checked my credit report it was gone, but XX/XX/XXXX the collection reappeared. I contacted to original creditor that was listed on my report and was told they couldn't help me, that i needed to contact the collection agency. I continued to do so and recieved very unprofessional rude service. The account they reopened has a amount of XXXX XXXX When i spoke to them they claimed i owed pennfoster, i was confused because it was a pay as you go course cancel anytime which i did. They only required you pay in full once completed in order to recieve your diploma, which i never recieved because i never completed it and canceled. For one the course was XXXX $ so i don't know why their claiming XXXX XXXX I never signed any paperwork for said course, it was only required upon completion for the diploma. This was not a loan. I never recieved anything from these people. They admitted to me they open multiple accounts for this same debt. I just sent out a validation/verification letter to the agency on the XXXX of this month. If you could please assist me it would be much appreciated!! Thank you for your time!
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UMPQUA HOLDINGS CORPORATION (OR)

The fact that they ran the credit on multiple dates or on the same day, multiple times, can be verified in their response. I authorized to have my credit ran only once and not multiple times. I filed the complaint and asked that the duplicated inquiries be removed : XX/XX/XXXX Umpqua Bank-XXXX XX/XX/XXXX Umpqua Bank-XXXX XX/XX/XXXX Umpqua Bank-XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Courtesy RV XX/XX/XXXX XXXX XXXX XXXX XXXX Courtesy RV XX/XX/XXXX XXXX XXXX XXXX XXXX Courtesy RV Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are supposed to make sure the information they provide is accurate and up to date. Because mistakes in these reports are common, the FCRA also gives consumers the right to disputes errors on their reports. The credit reporting agencies have 30 days to investigate the dispute and make corrections, urgent removal of unauthorized inquiries. Consumers also have the right to seek damages, due to the violations of the FCRA, class action suits, for damages that have been caused due to deceit on your behalf of the organization or reporting agency, with negligence during the current COVID-19 Pandemic, another form of abuse. 
In checking my credit for errors, I found that you, Umpqua authorized XXXX to run my credit on several different days. Under no circumstance would I have authorized you to have my credit ran on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

It would be great if you cleared this matter up, and if not, then I will take the next step with CFPB. Due to erroneous errors on behalf of organizations such as yours, running multiple credit checks, this is damaging to individuals ' credit scores and you did not have the authority to do this.

Simply stated, I authorized Umpqua Bank to run " 1 '' credit check, not two, and not 3. Fix your errors or let me know how you would like to proceed. Several inquiries and two individuals, I believe that my rights have been violated, perhaps identity theft and therefore requiring a fraud alert that will need to be placed on my credit profile, and the fraudulent transactions that have occurred on my credit profile, and I have the right to ask the consumer reporting agencies to block your information as a result of identity theft. 

Second, I did not authorize XXXX XXXX  to have my credit ran on three occasions, the same day, perhaps this was done within minutes of each, possibly, who knows! I submitted and requested to have my credit ran once, not two, and definitely not a third time and on the same date. 

Umpqua Bank, XXXX XXXX, XXXX, need to be held accountable for their actions. This is damaging to my credit, it involves several organizations, and two individuals, that consent for a class action suit for damages.
Consumer complaint received 2019-03-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (GA)

Vehicle was repossessed in XXXX of 2019. I was told the vehicle was released to the auction XX/XX/2019. It is now XX/XX/2019 and I have not received a sale notice, a notice of the company keeping the vehicle, or any letter of that fact. I have called XXXX XXXX XXXX and american credit acceptance and they both said they don't know where the car is or if it has been sold. I have updated my current address with the company so they can not then come back and say they sent to it to my prior address. 

" For a public sale the lender must notify you of the date, time, and place of the sale so you can have a chance to bid on the vehicle. For a private sale the lender must notify you of the time after which the vehicle may be sold. In either a public or private sale, you may be entitled to buy back the vehicle by paying the full loan amount plus the repossession costs before the sale. '' This company has violated rights of the consumer which is me. 

I demand information on the said forth vehicle and a deficiency notice if the vehicle has been sold, how fee 's were calculated and where and when the vehicle was sold and for how much. My credit report is then for to be updated properly on all credit bureau platforms and to immediately stop reporting unverifiable information.
Consumer complaint received 2020-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

XX/XX/XXXX i used my new Kohl 's store card XX/XX/XXXX i recieved a call telling me my account was past due. - i talked with the customer rep and explained i had yet to receive my statement from Kohl 's. They checked and verified all of my info and corrected my email address. They said that if i could pay the account right then they could waive any late fees or interest charges. I did and thought the matter was resolved until XX/XX/XXXX i saw they had reported the late payment on my credit history. I called Kohl 's to get it rectified but after several hours and many more operators they sent me a letter stating they didn't feel it was their place to change the report and if i didn't like it to contact you