davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MO)

On XX/XX/XXXX a lab test was sent to XXXX XXXX. My doctors office sent it to XXXX even though that lab is not covered under my insurance. I spoke with a case XXXX about it and was told the bill was paid. After the invoice sent to me in XX/XX/XXXX I did not here from XXXX XXXX any more. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that the bill from XXXX XXXX was in collections. I called XXXX XXXX and got a receipt showing I do not owe any money. The updated invoice is dated XX/XX/XXXX. I faxed it to the collection agency. They then mailed me a copy of the invoice dated XX/XX/XXXX which is dated before the debt was paid asking for payment.
Consumer complaint received 2019-01-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I filed my 1st complaint on XX/XX/XXXX complaint # XXXX on XX/XX/XXXX BOA stated it could not answer my complaint online due to not having XXXX party authorization. So I filed a 2nd complaint on XX/XX/XXXX complaint # XXXX regarding how the bank doesn't process the paperwork they receive and then try to blame the consumer that they are at fault for Bank of America not being able to do its job. Today I am filing a complaint about unfair and discriminatory bank practices in a CRA neighborhood. For not processing paperwork and purposefully running down the clock to a sheriff 's sale to blame the homeowner for missing paperwork in order to avoid having to respond to modification request. I have been in consistent and diligent contact with Bank of America through my case manager XXXX XXXX and with the compliance officer XXXX XXXX and yet neither of them have been forthcoming about the status of my modification request submitted on XX/XX/XXXX that just went to underwriting this week. They are asking for documentation that is unnecessary to prove my son has moved into the home. I have proven he has occupied the home through several methods but they are insisting that I have the PSEG bill put in his name when it is not a requirement for the mortgage. I pay this bill there is a credit and he has changed his address officially with the post office and with his bank and many other ways. He lives here. I have been requested to prove I have child support with the original court order that they have on file since I had the loan and I have sent all updated proof of current support and the new law in NJ on how it continues to pass the child 's XXXX birthday until age XXXX. That still is not acceptable although it is NJ law. I don't know what else to give them. It's an unfair practice and they refuse to respond to the modification request other than to say I haven't turned in paperwork in which I have time and time again. I need help resolving this so I can get my house payment current. The bank has not good intentions to help me bring the loan current because it's not in BOA best interest because it's insured by HUD. This is unfair banking practices. I want them to process the paperwork.
Consumer complaint received 2019-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC (NC)

I did not have any service on XX/XX/2016. My XXXX XXXX chart shows the date for XXXX XXXX XXXX as XX/XX/16. The itemized statement for XX/XX/16 shows as {$0.00} due.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/year> beginning at * ; XXXX XXXX  CST and ending XXXX minutes later, numerous representatives, ending with XXXX XXXX, who lied to me repeatedly and refused to give me to a supervisor, the following is a synopsis : I divorced my ex 10 years ago. I have been receiving promotional emails from Chase Bank all of this time under my email. I have asked Chase numerous times through the years to take my personal information off his account. I was never on his account. They refuse. They pass me around. This is my privacy and credit at stake.
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. As the attached XXXXs will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. The continued publication and dissimination of this inaccurate credit information is a manifest injustice. Next, I have been unable to " get verified '' by XXXX XXXX, XXXX  or XXXX  in order to obtain a code to temporarily lift my credit freeze. TO  say I have been led down a primrose path in my multiple attempts is an understatement.
Consumer complaint received 2019-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called Capitol One and said stated the card was stolen and had filed a police report when it was stolen. They said they would open an investigation. They have continued mailed me billings and I call every month and they just give me the run around. I have asked for a copy of the tape from the ATM ( they have never said where this happened ). They said it was a cash withdrawal. I all the years I have had they credit card I have never done an ATM withdrawal. They also said they had a copy of a recording of a woman that called in and verified all my information. I have asked for that recording and still to this day, XX/XX/2019 they have not produced the reporting either. 

Now reporting the card past due on my credit report and it is still under fraud investigation. 

I have closed my account with them and they can't get it right. 

I have called again on Friday, XX/XX/2019 and they stated they would contact me the same day. Today is Monday and I had to contact Capital one again since they still have not called back. 

Capital One needs to be looked into for unfair collection practices and not investigating fraud claim.
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. 

As the attached XXXX will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, Experian, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. 

The continued publication and dissimination of this inaccurate credit information is a manifest injustice. 

Next, I have been unable to " get verified '' by XXXX XXXX, Experian  or XXXX in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.
Consumer complaint received 2019-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NV)

My loan was sold from XXXX XXXX XXXX & Reporting to JP Morgan Chase Bank In XX/XX/2018. At the time my loan was sold I was 3 months ahead on my payment. I do this intentionally as I am a self employed person and want to be ahead on my payments. I have called and requested payment coupons twice and have still never received anything. They have told me that I was current and my next payment is due in XX/XX/XXXX. I am frustrated that they will not send me anything so that I can stay ahead of my payments. Over the last two months I have been paying interest on the principal balance. If you look at my history with my previous loan you will see that I not only pay ahead but I pay extra to keep my balance decreasing. Is there any way I can have my loan transferred back to the previous servicer? I am very displeased with the current servicer and there lack of customer service.
Consumer complaint received 2019-01-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion website has not allowed for electronic disputes to be filed for over a year now. I have an invalid debt showing in collections on my credit report but yet can not dispute it.
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I called and talk to an representative for Transunion about credit about inquiries that were unknown to me. The inquiries are as followed, 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX  3.XXXX  XXXX XXXX XXXX  Each one has multiple inquiries I hope this can be corrected and there are more to be reported.
Consumer complaint received 2019-01-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jana Ferrell & Associates LLC (OK)

My name is XXXX XXXX XXXX, SS # XXXX. I have a problem that I am learning how to take care of by contacting you. When I was XX/XX/XXXX years old I had a car wrongly repossessed. I made my payments in cash in the drop box of XXXX XXXX XXXX XXXX because my work hours. It never occurred to me at that time that someone could take my money and not apply it to my account. I didn't even know it was going on, until they came to repossess my XXXX XXXX pick up truck. I did not know what to do at the time or how to seek help. Now I am married and have a child and am trying to prepare myself to purchase my first home. I just learned that this was on my credit report and that I need to figure out what to do. I am hoping that either XXXX XXXX XXXX XXXX has some kind of record of this or the employee that may have taken the money, OR that if it was mis applied and possibly of record some where in holding and maybe because I paid cash I may not have properly supplied the correct info to apply it properly. Can you help me? I don't know where to begin. Because it was always cash I have no proof other than providing you a detailed explanation and hope that they have some kind of record even if its a fired employ during that time period. I don't remember my account open date, but the collection account took the account in XX/XX/XXXX for the amt of XXXX. Mine and my wife phone number XXXX ( more info collection company name is XXXX XXXX. The original loan was with XXXX XXXX XXXX XXXX in XXXX, Oklahoma. Let me know if you need something else.
Consumer complaint received 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX and I notice that someone open or use this names on and are in my Experian credit report. also a XXXX XXXX XXXX for bill for collections that I did not authorized. Therefore my e-mail is XXXX and my contacts are cell # XXXX and home # XXXX. Sincerely yours truly, XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2016 {$590.00} {$590.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX A XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX
Consumer complaint received 2024-11-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (VA)

I applied for a loan modification with Shellpoint Mortgage to resolve arrears on my account. On [ specific date ], I provided updated income documentation showing {$8200.00} in monthly income, which I believed would qualify me for a modification. However, Shellpoint denied my application without explaining why my income was deemed insufficient. 

While my application was still under review, Shellpoint initiated foreclosure proceedings, setting a sale date for my property on XX/XX/year>. This action appears to violate CFPBs mortgage servicing rules prohibiting dual-tracking, where foreclosure is pursued while a loss mitigation application is pending. 

After filing a complaint with the CFPB, Shellpoints compliance department responded with a letter stating they were unable to determine that a servicing error occurred. Their response failed to adequately address my concerns, specifically : XXXX. Why foreclosure was initiated during the active review of my loan modification application. 
XXXX. Why my income of {$8200.00} was deemed insufficient, without any breakdown or transparency regarding the decision-making criteria. 
XXXX. Why no alternative solutions, such as a repayment plan for arrears or other options, were offered to help avoid foreclosure. 

Despite my repeated efforts to engage Shellpoint in finding a resolution, their compliance response appears dismissive and incomplete. This has left me without viable options to save my home, despite my willingness to cooperate and resolve the arrears. 

I am requesting the CFPBs intervention to ensure Shellpoint complies with mortgage servicing guidelines and provides a fair resolution.
Consumer complaint received 2019-01-26
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

OneMain 's response to my previous complaint to them is unacceptable! They stated that the credit bureaus don't allow them to delete credit inquiries, knowing FULL WELL that the credit bureaus MUST BE NOTIFIED BY THEM to delete credit inquiries! I have ALREADY disputed these inquiries with the bureau ( they're only reporting with XXXX   ) and the keep coming back TELLING ME TO CONTACT THE CREDITOR/COMPANY! So NOBODY is responsible??? I NEVER did ANY inquiries/applications with you all! Where's your proof??? I will repeat what I stated in my previous complaint : There are three hard inquiries that are illegally reporting in my XXXX  credit file for OneMain /  OneMain Financial. My XXXX  was dinged on XX/XX/2017, XX/XX/2017, and XX/XX/2017 ; two have XXXX area locations and one has the corporate XXXX, IN, location. None of these inquiries have permissible purpose to be reporting in my file. Permissible purpose is pulling for employment, court order, insurance, or includes a firm offer of credit. The inquiries do not fall in any of those categories. I do not have any accounts with OneMain and never have, nor did I apply. Moreover, I called them yesterday and both a local rep and a national rep said that all they see in their system are two RECENT inquiries attached to FLORIDA locations, of which I also have absolutely no clue about. I gave them my social security number to check their records. PLEASE NOTE : I repeat, OneMain does not even have record of the three inquiries reporting in my XXXX credit file. They need to be deleted immediately. I gave the dates and locations of the inquiries to both reps and they said that all they saw were the two RECENT inquiries. I was given reference numbers for those : XXXX and XXXX. They ALSO need to be deleted, especially before these rogue inquiries reach any of my credit reports. I had previously disputed the three inquiries twice that are in XXXX, so what all this means is that the so-called investigation XXXX  and/or OneMain Financial did both times was completely nonexistent. I will be filing a separate complaint against XXXX.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS?

I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (WI)

I purchased a used vehicle from XXXX XXXX on XX/XX/XXXX for {$26000.00}, before agreeing to purchase the vehicle I asked the internet manager to send me all the fees that would be included in this purchase. This information was sent to me and I agreed to the purchase that included {$190.00} document fee, {$15.00} convenience fee and the appropriate state county taxes. My wife and I signed the Vehicle Order Agreement and the balanced owed states {$27000.00}, we then signed the retail installment sale contract and the Amount Financed within the " Federal Truth-In-Lending Disclosures '' states {$27000.00}. The entire purchase was financed through the dealership and Chase Auto Finance was the lending company. When I received the paperwork from Chase Financial the Principle Balance states {$27000.00}, this is {$190.00} more than the stated amount financed on the Vehicle Order Agreement and Retail Installment Sale Contract. 
When I called the finance manager XXXX at XXXX XXXX she reviewed my contract and even sent me a picture of the computer screen that showed the amount financed at {$27000.00}. When I told her the Chase paperwork states {$27000.00} ( {$190.00} higher than the agreed to {$27000.00} ) she could not give me an answer as to why there was a discrepancy so XXXX told me she would look into and get back with me. When XXXX called me back she told me the {$190.00} was a fee added onto the loan from Chase and that this was a requirement in the state of Indiana she then gave me the contact information for the area manager of Chase. I discussed the {$190.00} fee with him and heard the same thing that this is a Indiana requirement. I then called XXXX again telling her this fee was never discussed before agreeing to purchase the vehicle or at the time of signing these contacts. I was surprised to hear XXXX agreed with me and acknowledge the {$190.00} fee was not discussed and that she didn't even know of this fee from the banks until someone from XXXX told her. She agreed to discuss with management and ask for a refund of the {$190.00} fee. XXXX called me back on XX/XX/XXXX leaving a voice message stating the fee should be reimbursed from Chase and I should contact them.