davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-05
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TX)

I have been calling and emailing NewRez LLC since XXXX XXXX. I have talked with multiple XXXX in the property tax dept. They have all opened tickets but nothing gets resolved and no one has ever called me back or responded via email. The last note was in XXXX, I called and they said the tax overpayment money should be in my escrow account as of XX/XX/XXXX about XXXX months after it was sent back to them by XXXX XXXX XXXX XXXX. To date, it has never been put in my account. NewRez uses Corelogic as their XXXX party vendor, I had a XXXX from XXXX, who said the money is hung up with NewRez, on a XXXX call with NewRez in XXXX. NewRez was trying to say that the money is hung up with XXXX but, another research ticket would be opened. I called again today, XX/XX/XXXX, spoke to XXXX in the property tax dept. was told that the ticket was closed, no other information was provided, the money is not showing in my account and another " research ticket '' will need to be opened. I asked why the XXXX one was closed without resolution, she could not answer and kept repeating that another one needs to be opened. I asked to speak to supervisor, XXXX attempted to get XXXX on the phone, after about XXXX mins, XXXX said that the supervisor was busy helping someone but would call me in XXXX. This is unacceptable, it should not take over XXXX months for money that was sent back to them to be put back in my escrow account. I was trying to resolve this before NewRez paid my XXXX property tax and cause me to now have a negative balance in my escrow account because it will cause my mortgage payment to increase to where it might become unaffordable. I want NewRez to return the {$2700.00} back into my escrow account ASAP. Thank you.
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

I'm not why us bank keeps lying to me and attempting to withhold my money also why they haven't told the the truth because I also recorded the phone calls between there employees and I ..... They have still not complied with ADA act rules the rules and regulations supposedly let US bank is supposed to have!!!!!!!! They claimed I was never sent ID theft packet which was a lie I'm really exhausted over the the repeated lies and belittling treatment that I keep receiving from US bank employees.!! I was sent an ID theft form three time 's get your Facts straight please also a thorough investigation still has not been done yet because I have a lot of proof disregarding all of the things you said were true, everything highlighted in yellow is fraudulent if it's highlighted in pink then it's correct and these are the only statements I could take a picture of I have everything though
Consumer complaint received 2023-08-10
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: JPMORGAN CHASE & CO. (WA)

I disputed a purchase on XX/XX/2023 for a XXXX charge that was not made by me for something called section XXXX pro. It was automatically credited back to me & my card was canceled. Today XX/XX/2023 I saw it was billed back into my account. I contacted chase and was told that my number, name & emailed matched. I have no email, phone call or contact with section XXXX pro. Chase is refusing to work with me to protect me from this fraudulent activity. I dont think its right for me to be forced to pay it.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (PA)

Home Depot Credit Services sent me a letter dated XX/XX/XXXX notifying me of new cards being sent to my business. The cards never arrived. They have since told me they mailed the cards to an address that I removed from my account over 9 years ago in XXXX. An address that was my mailing address only for approximately 5 months. They are now trying to say that the wrong address is the physical location of my business and it is NOT. That was never the physical location of my business. I asked them for something in writing showing who changed my physical business location to that address and when. They refuse to do that. They can not answer why the last time they issued a new card that it was sent to my current and correct address in XXXX of XXXX. 
I simply want a copy of the written request on my company letterhead that they have told me it takes for them to change the physical location of my business. I never changed the physical location of my business to that address in Maryland. I want a copy of the written request on my company letterhead that made them change my physical location to that address because I never sent them such a written request.
Consumer complaint received 2024-12-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (TX)

I applied for modification and completed the trail payments of {$1400.00} in XX/XX/XXXX, {$1300.00} XX/XX/XXXXXXXX  and {$1300.00} XX/XX/XXXXXXXX  as requested on time. They didn't approve the Modification due co-borrow was in XXXX and couldn't sign. He abandoned me and the house in XXXX  and signed a Quit Claim Deed XXXX XXXX. So I asked for a repayment plan and they only want to give me a reinstatement. I tried to get them to let me pay {$5000.00} and spread the rest out for 6 months. I have been going back and forth with them over a month and still can't get any help on trying to keep my house. I want to stay in my home. I've asked this to be Escalated to a supervisor or underwriter but no success there either. They can't tell me a reason why I can't get a repayment plan and I feel that is so unfair because I'm trying to save my home.
Consumer complaint received 2021-05-04
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. (NY)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown findings on my credit report. 30 days have elapse since sending my letters to the Bureaus and to my surprise I still have not received an update on status of investigation. Although I am not an expert on the subject matter, I do know that Section 611 ( a ) of the FCRA states that failure to investigate these items within 30 days gives reason for immediate removal of disputed items. I am now DEMANDING these accounts be removed and the Bureaus be held to their fiduciary duty. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong individual. 



Thank You.
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (MN)

I was notified on XX/XX/XXXX that Convergent Outsourcing, Inc., had put a collection notice on my credit reports with XXXX and XXXX, which was apparently reported on XX/XX/XXXX. This is for XXXX XXXX. 

In XXXX or XXXX XXXX, I contacted XXXX XXXX. They apparently provide cable in XXXX XXXX, which is where the account was set up. I have never lived in XXXX XXXX and have never opened any type of account with XXXX XXXX. I had never even heard of them. 

XXXX XXXX informed me that the account was fraudulently opened and is identify theft in XXXX. A police report was filed with a police department in the City and State where I live. 

Previous reports on my credit report of this debt from a different agency were removed in approximately fall or XXXX of XXXX. XXXX shouldn't be allowed to continue to mess with my credit this way. I've submitted disputes again against the Convergent Outsourcing, Inc. reporting. They shouldn't be able to do this either.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear XXXX/TransUnion/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2022-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (GA)

XXXX XXXX XXXX has recently retained TrueAccord to act as a debt collector to collect on a debt not owed by me to the alleged original creditor XXXXXXXX XXXX XXXX XXXX expressly identified as an account number ending in XXXX. 

TrueAccord sent an UNDATED notice to respond by XX/XX/2022. TrueAccord has failed to validate the debt and also provide verification of debt as required by law. 

I hereby further dispute the account ending in XXXX with XXXX XXXXXXXX XXXX XXXXXXXX. and XXXX XXXX XXXX there is no balance amount owed of {$1800.00} and any updated balance amount. XXXX XXXXXXXX XXXX XXXX Is not my original or current creditor. There is no balance owed by me to XXXXXXXX XXXX XXXX XXXX. 

At no time does XXXX XXXX XXXX XXXX  appear on my credit reports for any such account ending in XXXX.
Consumer complaint received 2022-07-20
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXXXXXX XXXX Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

Please send me the results to the address listed above.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc. (FL)

The disputed amounts do not pertain to any credit extended, but relate entirely to introductory ( deferred XXXX interest program. Commenity Bank ( XXXX XXXX ) failed to credit my account prior to the expiration of the deferred introductory interest. We received documented credits for multiple deliveries of damaged merchandise. Commenity Bank ( XXXX XXXX ) did not apply the agreed upon credits to the account when the merchandise was disputed and agreed upon to issue credits ( on recorded lines ) in a timely manner. Commenity Bank ( XXXX XXXX ) were negligent and fraudulent in this manner by attempting to seek payment on deferred interest for merchandise that was damaged and previously agreed credits were not timely applied to the account. Had such credits been applied to the account as stated and agreed by Commenity Bank ( XXXX XXXX ) the account balance would have been {$0.00} prior to the expiration of the deferred interest program.

Furthering the fraudulent and negligent business collection practices, Commenity Bank ( XXXX XXXX ) locked me out of any online access to account payment and history options, as well as continuing to deny all requests for account history/statements. XXXX XXXX XXXX failed to send a validation letter after I requested one vie telephone. XXXX XXXX XXXX failed to properly serve me with paperwork regarding the lawsuit.
Consumer complaint received 2020-10-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AL)

All during the monthly loan payment when I send additional principal AmeriHome mortgage continues to hold and misapply funds to the correct funds ( additional principal, escrow etc. ) and I would have to call them to have them correct the issue. However this has been ongoing since the beginning of the loan. I requested that they follow the payment stub submitted with my check and they advised me that its an electronic process and not a manual process. I then requested that my account be FLAGGED for special handling, they replied not possible. I replied with I should not have to call each month to correct in house matters and my loan is special to me since its a big investment. I then requested a 100 % audit on my account since the balance, escrow and interest was incorrect according to my calculations. I have paid aggressively on the first year since the principal was lower. Over the past three months they claim they would work on the correcting the issue and reply with supporting documents, but I feel that all balances are incorrect. At some point over the pass three months I have spoken to supervisor XXXX ( # XXXX ), XXXX XXXX  ( # XXXX ), XXXX and finally XXXX XXXX XXXX from XXXX XXXX in New Jersey phone number XXXX. I sent follow up emails to her on XX/XX/XXXX and XXXX requesting for the 100 % audit, with no response as of today.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was not able to make a payment on my Quicksilver Capital One credit card due date on XX/XX/21. So I called them up and told them that I can only pay them in two days. I asked them if they can put a note on my account and if I can avoid the hefty XXXX dollar fee. I made the payment as promised. Today I checked my account and saw that they still charged me the fee. 

I called them up to complain and the rep ( XXXX ) said there was no way for her to remove it because the system is not letting her. I asked to speak to a supervisor. I spoke to XXXX and she said the same thing. It's outrageous. First of the amount of XXXX dollars is outrageous but also that they blame their system for not being able to credit me back. Capital One is clearly NOT a consumer friendly bank.
Consumer complaint received 2022-09-20
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. (MS)

I have tried to contact XXXX XXXX, XXXX on numerous occasions ( XX/XX/XXXX @ XXXX spoke with a XXXX XXXX and a supervisor XXXX XXXX both forwarded me to credit dispute team member and they asked me to go to exeterfinance.com. ( XX/XX/XXXX @ XXXX spoke with an XXXX XXXX she stated that the dispute team had started a dispute and it would be completed and sent out within 30 days ). 

As of today, I have not received any information, emails, or calls in regards of a request to remove this account because it is out of the Mississippi XXXX of Limitations. 

In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 
This account was charged off and sold in XX/XX/XXXX.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Coinbase, Inc. (FL)

i rented a car in XX/XX/2022 and i had to pay a {$500.00} deposit and i used my coinbase card, when i returned the rental car the {$500.00} deposit was to be refunded but I do not see the {$500.00} balance was credited back to my account, it seems as though the {$500.00} just disappeared. I called coinbase support and was told to create a ticket i created a ticket and the ticket was ignored even after sending a follow up i did not receive any response back. completely unacceptable
Consumer complaint received 2022-06-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (GA)

Navient Solutions has continuously tried to collect a Private Loan in the amount of {$26000.00} that was XXXX in Chapter XXXX Bankruptcy court On XX/XX/2018. 
They continue to report this to credit bureau as delinquent. 
They have this debt listed under XXXX different account numbers on my credit report. 
I have contacted via telephone numerous of times to let them know and was told to upload the document via the website. 
In addition, they are calling me and my family members 7 days a week, once every hour from XXXX to XXXX EST time.
Consumer complaint received 2021-04-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2020-10-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection XXXX XXXX XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2020-10-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection XXXX XXXX XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2021-05-04
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 (NV)

I have disputed this debt with XXXX multiple times and asked them to properly investigate this debt from portfolio recovery for {$3400.00} that is on my credit report. I sent a written letter to portfolio recovery requesting proof of this debt that it was opened by me as it was not. Portfolio recovery failed to do so, and XXXX has failed to investigate this debt properly under FCRA section 611. It is illegal for XXXX to continue reporting a false debt on my report. Portfolio recovery has never shown the copy of the government ID that was used to open this debt. If portfolio recovery has no proof of who opened this debt, how is XXXX saying it is valid? They are just asking portfolio if it is valid and accepting a yes as validation. I will be forced to take legal action with XXXX if they do not properly investigate and remove this from my credit report as this is not debt and was never opened by me. This has caused problems in my life for me and my family and XXXX should not be allowed to report credit when they do not follow the law and investigate debts on peoples account properly. XXXX is only helping these corporations with putting false debt on peoples account and ruining there lives. Please ask XXXX to show the proof that they got for this debt as they have never provided it to me as there is no proof because i did not open this debt.
Consumer complaint received 2020-10-30
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. (TX)

I have submitted several disputes with XXXX and Trans Union over the course of the past 60 days. Both agencies said that they were re-investigating the account in question XXXX XXXX XXXX XXXX XXXX XXXX. XXXX investigated and removed the account, the other two said that it was accurate and verified which is a gross misrepresentation of the rules and regulations because they did not. I have highlighted and attached a copy of the inaccurate reporting. XXXX  deleted the account and as recently re-inserted account with no investigation. Please review and investigate their claim. Thank you