davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (OH)

I attempted to contact the regional supervisor over the property, XXXX XXXX XXXX XXXX, that is claiming the debt against me via fax and phone on multiple dates over the last two months. The first attempt came on XXXX/XXXX/XXXX, after trying to contact the parent company XXXX XXXX on XXXX/XXXX/XXXX and was directed to resolve the issue directly with the regional manager. I contacted the office again XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Every time I was told this individual would call me back and never did so. I sent over a fax the last week of XXXX and received a confirmation that it was delivered successfully. I have also attempted on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and again XXXX/XXXX/XXXX through both phone and fax between these dates to provide documents which prove that a debt is not owed and none of these parties will consider the evidence that proves this, instead I have received forged documents that have copied my original signature and applied it to a document that I was never in possession of. I had a lease for a one bedroom apartment with a clean move-out checklist that showed now charges were due and no repairs needed made to the unit, but the document they provide that claims I owe a balance is for a two bedroom apartment. I did not rent a two bedroom and I have the clean move-out checklist/zero balance bill to prove it. Pro collect has contacted me repeatedly and refuses to provide me with proof that the debt is owed, instead only sending billing statements which claim my balance is due within a day of receiving the billing statement. I have provided evidence and they have confirmed receipt but will not accept it as a zero balance and they refuse to provide any proof that I actually owe the debt following my faxed dispute. They are trying to collect a debt that they are not owed and I can provide the document to prove it, which I have provided them on numerous occasions. In addition to billing me incorrectly after claiming I owed nothing after a walk through of the unit followed by the signing of the move-out checklist with the zero balance, they failed to provide me a copy of the bill they chose to forge within the 30 days they had to do so as outlined by Ohio Statutes.
Consumer complaint received 2018-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (GA)

My LPMI was not removed by my home mortgage lender, Stearns Lending, even after I submitted a written request when my LTV was under 80 %. My LTV is now under 78 % and they still have not removed my LPMI. 

On XX/XX/XXXX, I mailed a written request to Stearns Lending requesting that my LPMI be removed. My LTV for my 15 year mortgage had fallen below 80 % on XX/XX/XXXX. I also emailed Stearns Lending through their website. I received no response to any communications. 

On XX/XX/XXXX, my loan fell below 78 % LTV. However, the LPMI was not removed automatically. Nor was it removed on XX/XX/XXXX. 

I have not missed or been late on any payments and my account is on auto-pay.
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

XXXX Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XX/XX/XXXX. That is inaccurate. At the time, I requested a new closing date on the XXXX account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XX/XX/XXXX for XX/XX/XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation and you will see form the XXXX records that a closing date/due date WAS in fact changed, leaving that as my only evidence. However, I do not believe any of the the 3 credit reporting companies investigated this properly, took XXXX at their word with no evidence of the recording ( which XXXX tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XXXX XXXX. That is inaccurate. At the time, I requested a new closing date on the XXXX account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XXXX XXXX for XXXX XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation and you will see form the XXXX records that a closing date/due date WAS in fact changed, leaving that as my only evidence. However, I do not believe any of the the 3 credit reporting companies investigated this properly, took XXXX at their word with no evidence of the recording ( which XXXX tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.
Consumer complaint received 2018-01-02
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. (NC)

Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, 2017 {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this profile collection entry. 
I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. 
With the on-going XXXX security breach, it looks like you are continually allowing bad data to take over your records. 
Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. 
Look at my history with you, in disputing junk and erroneous information. 

This does not belong to me and you are again aiding in ruining my credit profile with this erroneous account. 
REMOVE THIS ASAP!
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KS)

On XX/XX/XXXX/17 I filed a dispute with Experian about a credit card that showed up on my credit report that I 've never had nor applied for from XXXX XXXX XXXX in Delaware. Simultaneously I filed a complaint about the same card with XXXX. XXXX promptly deleted the account from my credit report. Experian however has not deleted this credit card from my account after emailing me that they had " resolved '' this issue claiming in effect that this card belongs in my credit history.
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

To Whom It May Concern, It was in late XXXX of 2017 when I attempted to use one my 3 chase cards, of which I used frequently and relied on daily, that my card suddenly started getting declined. Having always relied on chase and rarely having had any such problems, as I was sure I was a good customer who paid his bills and and did as any other, this came as quite a shock but I did not think much of it. It was only when I soon called in to inquire about the declined charge that my relationship with chase was suddenly torn into pieces and thrown away. It seemed as if in a heartbeat I went from a good customer to a customer which they care nothing about and are willing to throw out and forget about. I was told over that phone call, vaguely, that for reasons they can not disclose and will not disclose my accounts had all been shutdown, all my personal credit cards, bank accounts, and safety deposit box has been immediately and permanently shutdown! This unfortunate series of events caught me in a stage of shock where I had no clue what to do. All of a sudden it seemed as if a big part of my life revolved around chase and it was now all gone for reasons I did not even know or to this day will never know. I was told that I will get a letter to inform me about this and thinking that it will hopefully clarify what happened I was wrong. All the letter mentioned that I was no longer a customer chase wanted to do business with and therefore they abruptly shutdown all my accounts. Not only that but they went so far as to shutdown my mothers accounts as well which I found completely rude, unprofessional, and uncalled for. I always believed I was a good customer with chase who paid promptly and was risk averse if anything and I would at least like to know what I did wrong so I can avoid doing so with other banks in the future although I truly do hope to rebuild my relationship with chase if my accounts do get reinstated. These events have caused my credit score to drop and less attractive to other banks as it now shows my accounts were closed by the issuer and also ruined my average age of credits along with other things.
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (TX)

On XX/XX/XXXX I went, in person, to the XXXX XXXX branch at XXXX XXXX XXXX to cancel my account prior to a move. 

The in-store representative charged me {$64.00} to settle the account and assured me that the account was closed, that I owed no equipment, and that I had no further debts with XXXX XXXX. 

On XX/XX/XXXX, at my new residence, I received a notice from a debt collector that I owe XXXX XXXX  {$0.00}. This billing is not only in error, but absurd. To threaten me with credit damage is offensive and to waste time and resources on such a ridiculous effort is abusive of both me and the credit reporting system.
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This letter is a formal complaint disputing the inaccurate reporting to Equifax, XXXX, and XXXX by XXXX XXXX, XXXX. 

Due to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to Equifax, XXXX, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. 

Please verify the inaccuracy of this information and delete it from Equifax, XXXX, and XXXX and provide me written proof that this has been completed.
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This letter is a formal complaint disputing the inaccurate reporting to XXXX, XXXX, and XXXX by XXXX XXXX XXXX. 

Due to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to XXXX, XXXX, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. 

Please verify the inaccuracy of this information and delete it from XXXX, XXXX, and XXXX and provide me written proof that this has been completed.
Consumer complaint received 2018-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

A few problems Initially it was hard to get information on loan balance for approximately a year to year and a half. Navigation of the phone system was very difficult. Also, when I called the representative either did n't answer or ne it was difficult to get the balance. Only when I became frustrated and spoke more sternly or called back or asked to speak to a manger would I get a proper answer. 
Had issues where I paid extra on the account and they never applied it to the loan but applied it to the next payment. I called a few times and finally gave up. 
I never received a bill since Navient took over my loan. With XXXX XXXX I had a booklet and a way to find out what my daily balance of each loan was. 
After the first year or year and a half of them owning my loan Navient took steps to better the phone procedures and later created the website where I could check this information.
Consumer complaint received 2018-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MS)

I went to a local grocery store to wire transfer XXXX dollars to my personal banking account through Western Union on XX/XX/XXXX. The clerk informed me I would need to pay an extra XXXX dollars fee so the money will deposit into my account " instantly within minutes " total of XXXX dollars. The next dayXX/XX/XXXX I checked my account no XXXX dollars available. My bank said no money seen nor pending to my account. I called western union back on XX/XX/XXXX spoke with XXXX # XXXX. XXXX voiced I will receive a refund on XX/XX/XXXX available at any Western union. I checked and no funds were available. I called western union back XX/XX/XXXX and was told to wait 48 hours. After the 48 hours still no XXXX dollars. I called western union XX/XX/XXXX the representative voiced wait 48 hours. On XX/XX/XXXX spoke with XXXX # XXXX. I was told the same story. " The money is waiting on the bank to approve it, it should be in 48 hours " my bank was contacted again on XX/XX/XXXX. My bank voiced they do n't see anything pending and to contact western union again. XX/XX/XXXX I spoke with XXXX XXXX XXXX. Same story, " it will take 48 hours " " it 's in process " Noone was able to tell me where my money is. I had to explain what the tracking number was. They asked for the tracking number and tracking number given but no one can see nor tell me where my money is, even with the tracking number.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian and XXXX, XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : XXXX. Hard Inquiries : Several unauthorized hard inquiries appearing on my consumer FICO credit report. 

XXXX. Late Payments : Incorrect late payments reported on accounts that should be marked as paid off or never existed under my name : XXXX. Fraudulent Accounts/Collections : Accounts and collections reported inaccurately or fraudulently under my name, which I have no knowledge of : Please see that attached FTC reports with the list of all accounts mentioned above. FTC report Number : XXXX and XXXX I have attached a copy of the FTC reports. 

I do not recognize or have never authorized the accounts, collections, or hard inquiries listed above. The aforementioned accounts, collections, and hard inquiries are inaccurate and must be removed from my consumer credit report maintained by your agency. This is also affecting my credit score unjustly.

What would be a fair resolution to this issue? ( demands for relief ) : I demand that pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), the removal of the fraudulent and inaccurate accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. Additionally for XXXX XXXX to be marked as paid in full, and remove the late payments. I request that all written confirmation regarding this CFPB complaint be sent to me via certified mail.
Consumer complaint received 2018-01-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

Loan Date Amount of Loan XX/XX/XXXX {$12000.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Many calls were made to Navient to have them explain how the Unpaid interest and Unpaid fees were calculated. In addition, the request for how the accrued interest was also calculated. During this time payments of interest were paid and sometimes additional money was sent to reduce the principal. I was unable to identify how the interest and additional payments were applied. On occasion the difference was rolled into the principal.. I have analyzed each of the accounts from inception of the loan and I am unable to account for roughly {$25000.00} that of payments that were made. As of this day the loans have been satisfied through another company. I am having a hard time getting the pay off letters that state that the loan has been fully satisfied and the amount that was paid off. I am aware that Navient is involved in a class action suit and I would like to be included in this suit based on my research.
Consumer complaint received 2018-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (UT)

Shellpoint Mortgage has not solved issues of unjustified billing of {$3100.00}, erroneously filing credit reports and turning over my title to a Utah attorney for foreclosure, when I was in good standing. I have been trying to solve these issues with Shellpoint since XXXX XXXX XXXX 2016. 

I am trying to close on a refi and their continued lack of effort, is holding up the process and correspondingly increasing my payment, with interest rates going up and having to pay for another appraisal because of their delaying the close. My Mortgage company will not close without these issues being resolved. 

Shellpoint has already admitted their error and corrected the credit bureaus now I just want my money back.
Consumer complaint received 2017-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PROFESSIONAL COLLECTION SERVICE, INC (AZ)

My complaint is against  Professional Collection  Services. They are trying to collect  XXXX  debts in the amounts of {$330.00} and {$1000.00}. I have searched my personal files and have found nothing that would indicate I owe this debt. I have requested they send me proof of the debt but to date they have ignored my request and keep sending letters stating I do owe the debt. i have received no proof that I have requested. How can a third part try to collect on debts when they have no idea if it 's a real debt or not? They can insist a person owes the debt but can offer up no solid proof of the debt. This is not acceptable. They ca n't just expect a person to pay a lot of money without proof of the debt..
Consumer complaint received 2018-01-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: United Compliance Services, LLC (MN)

Calling me daily as well as my family members, who live in XXXX  and XXXX, they are even calling persons unrelated to me who are affiliates of my family. 
Started XX/XX/2017 Daily my parents, my sisters in XXXX, my brother, my sister in law and mutual friends in common as a family. 

My SSN was compromised in the XXXX Breech. So I trust no one on anything right now. The calls are automated and state a case number XXXX and that legal matters related to my SSN need to be addressed or further legal action will be taken. 

I've tried to research the number and I see some where it's fraud others where it's not. I do not appreciate my elderly parents and siblings being brought into what ever this maybe.