davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

This complain is about XXXX XXXX XXXX Collection Agency Reporting to all XXXX major Credit Reports Inaccurate information as of Date of First Delinquency. As reported to XXXX on XXXX XXXX this account is schedule to continue on record until XXXX XXXX as of XXXX XXXX it was not on XXXX no more making the Date of XXXX Delinquency XXXX XXXX ( since accounts remain for 7 yrs on record as of XXXX Date of Delinquency ) On XXXX XXXX XXXX reports to XXXX XXXX Date of Delinquency as XXXX XXXX. As of XXXX XXXX its reports to XXXX XXXX Date of Delinquency XXXX XXXX. As of XXXX XXXX XXXX Deleted it after finding inaccuracies on Dates of XXXX Delinquency reported. XXXX still reporting to XXXX I am currently disputing it with XXXX.
Consumer complaint received 2015-08-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (FL)

CMRE is in violation of the Fair Credit Reporting Act. A XXXX XXXX investigation from XXXX 2015 found the account ( # XXXX ) was unverifiable/inaccurate and was deleted from my XXXX XXXX credit report. CMRE did not report the deletion of the account to XXXX, the other consumer reporting agency that it reported the account to. Proof of the XXXX XXXX investigation results are attached. This complaint will be used as evidence in the event legal action is warranted.
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The creditors have wrong personal information. I have married and my last name is changed along with my address. I also noticed that they have medical debt reports that I did n't even know I had and can EASILY be taken care of right away! These things are a HUGE reason I am getting such a bad report, I NEED THIS CLEARED AS SOON AS POSSIBLE. Also I am taking care of a HUGE student debt, that should be showing progress to my credit report but just found out that it is n't because of them not HAVING THE RIGHT CONTACT INFO and my name change due to marriage. I have reason to believe my someone is using my name and social security number to keep utilities in my name, I see I have a " consumer energy '' and " XXXX '' debts in a time frame that I 've lived here at this current address and KNOW for a fact could n't be my debts because we have different providers actually I still have them until this day. WHAT DO I DO?
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

XX/XX/XXXXI sent to Equifax, LLC a letter that was dated XX/XX/XXXX via USPS, Certified Mail Number : XXXX. 
A Copy of this letter is attached for your review. In this letter I detailed XXXX ( XXXX ) concerns regarding my credit file that I felt needed that needed to be addressed that would help to improve my credit file. 
I am pleased to note that the outdated XXXX Bank credit reference was deleted. However, the much more serious reference was said to have been investigated and was reaffirmed as being reported correctly. 
I strongly protest the manner in which you arrived at your purported conclusions. I am sure that the supplier of information to you is flat out wrong because I am in possession of a copy of the original filing of the court papers. I have enclosed a copy for your review. Note that in the top right-side portion that the date stamped is " XX/XX/XXXX, XXXX. '' Additionally, note that on the middle right-side of the same page a reference to " XXXX 's Department, XX/XX/XXXX XX/XX/XXXX. '' A copy of the first page of the summons is attached. 
This papers clearly refute the allegations that an investigation was done that confirmed the information to be correct. If it were done, what was the source of proof? 
This is the basis of my request to delete this wrong credit reference due to conflicting information that makes me the recipient of prolong and erroneous credit reporting. Again, this information needs to be immediately deleted. 
The importance of this request is under-stated by XXXX ( XXXX ) separate attempts to open an account with XX/XX/XXXX. I have attached a credit denial letter and a more recent online chat session with that company 's representative. Of the online chat, pages XXXX, XXXX and XXXX details the attempts to get a deposit in advance of service for the account security. 
Erroneous and outdated information is not to contained in one 's credit file. It is my desire that it not be a part of mine forcing higher charges for the basic services and other life needs. 
Your assistance in this pursuit is deeply appreciated on my behalf. 

XXXX XXXX XXXX
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My mortgage is an adjustable interest only loan. I have applied for a loan modification with my servicer, Bank of America and been denied earlier this year. I do not believe they are using the correct calculations when reviewing me for assistance. I believe they have a value that is way too high as well as they are not taking into consideration my payment is an adjustable, interest only loan that will increase in the near future. I now have a notice of default and possibly a notice of sale coming in the next week. I have hired an attorney to assist me in submitting my updated paperwork ( submitted XXXX/XXXX/2015 ). I have a new job as of XXXX 2015. I would like to ask Bank of America not to review me for assistance before moving forward with foreclosure by filing a notice of sale. I understand that the servicer may state my application was submitted too late, however I would like to request an exception be made and still review me for assistance.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Sterling Infosystems Inc. (IN)

I recently applied for employment with XXXX XXXX in XXXX XXXX, Texas. As part of the application process I submitted to a background investigation. I was later notified that my investigation results had me ineligible for employment by XXXX and that the decision was based on information outlined in the report conducted by Sterling XXXX. The report contains information of a firearm conviction for a XXXX, by comparison my name is XXXX. I have never used an alias, but Sterling XXXX saw fit to utilize aliases using variations of my name and submitted these findings to my prospective employer. I was later notified and informed that my offer of employment had been withdrawn as a result of this erroneous information. To clarify this matter I acquired XXXX separate background investigations, XXXX from the XXXX Bureau of Investigation and the other from the XXXX Sheriffs Department. Neither of these reports contained the lengthy and misleading info found in Sterling XXXX report. I fully believe that the erroneous information regarding firearms convictions resuted in my loss of employment opportunities that would have led to management opportunities with the largest employer in the country.
Consumer complaint received 2015-08-13
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Shellpoint Partners, LLC (DC)

I received unsigned communication from an alleged mortgagee debt collector ( Shellpoint Mortgage Servicing ) claiming that they represent XXXX XXXX and that I owe {$84000.00} to their client. I have replied to them with in the XXXX day period they set a verification of debt documentation and have sent it to them via Certified Registered mail # XXXX, Giving them XXXX days to respond. Since I know that their attempts are fraudulent, as I do not owe this money to anyone I want to get the CFPB involved. I have attached the documentation that has gone out to Shellpoint Mortgage Servicing,
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MD)

Our mortgage loan was purchased by Wells Fargo a while back. Things were great at first and then in XX/XX/XXXX we received a letter from them saying our property taxes were past due, this was around XXXX. Our taxes are not due till XXXX. Then before we knew it they added escrow to our loan without our knowledge raising our payment by {$600.00}. We are on a fixed income. We finally had to get a lawyer and get this escrow taken off, which it was. We have tried to get our mortgage refinanced XXXX times this year recently the XX/XX/XXXX. It has been XXXX months and still no mortgage because of Wells Fargo. They have put inaccurate info on our credit report making our credit score keep going down. They are saying our mortgage payments have been XXXX and XXXX days late but we have bank statements to prove there not. They recently updated our credit report with inaccurate info that made our score go down far below the score needed to get a mortgage loan. When we XXXX applied our chances were good but they have done this to our credit report to keep us from getting our mortgage refinanced. They are even harassing us by mail and phone calls at the beginning of the month with collection calls saying our payment is late and delinquent when it is not. Why are they doing this to us? All we want is to get our mortgage refinanced with a respectable company and lower our interest rate so we can have our taxes included in it with a lower monthly payment. They did the same thing in XXXX when we wanted to refinance. Also in XX/XX/XXXX we received another letter from Wells Fargo saying our property taxes were delinquent ( according to our tax agent our taxes are not XX/XX/XXXX, and not delinquent till XX/XX/XXXX ) again for this year and they gave us till the XX/XX/XXXX to pay them or they were going to add escrow to our loan again??
Consumer complaint received 2015-08-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WA)

I am in a short sale with Wells Fargo. There is no XXXX mortgage. Seller 's husband died which created her hardship. She is on XXXX and Wells has asked for 1 ) and profit and loss statement prepared ONLY by a CPA which is completely non standard, I did my own P and L since there was nothing on it but {$190.00} a month! 2 XXXX The BPO was done XX/XX/XXXX and is now expired. Since then I have been with XXXX processors who have all asked for the SAME thing repeatedly! I have continued to supply it, but now they are asking for evidence of seller receiving food stamps. This has NEVER been requested before and I have been given only 48 hours to submit it, even though it will take XXXX weeks for seller to receive one in the mail. I have a buyer whose loan lock is expiring. 3 ) Since the XXXX was done in XXXX, I am now being told it 's expired and will have to have a new one before value is reviewed. This is NOT acceptable as that will take at least XXXX more weeks. I have escalated this file to the top level, XXXX XXXX is her name, but now she is on vacation!
Consumer complaint received 2015-08-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AL)

I purchased a vehicle from XXXX XXXX XXXX in XXXX AL XX/XX/XXXX. I financed the vehicle with Chrysler Capital. I later joined the XXXX. XX/XX/XXXX and requested that the interest rate be reduced under XXXX XXXX App XXXX. They agreed to reduce the interest rate but no longer reported my payments on my credit report. In fact the purchase did not show up at all. When I tried to trade in the XXXX Jeep Wrangler I learned that I had no credit history. No one would accept my trade because there was no record of my having purchased the vehicle and made payments for over a year. Under section 518 of the SCRA a creditor may not take negative action based solely upon my use of my benefits under the SCRA. The act of not reporting my credit is almost if not as harmful as reporting negative credit as it means that I have no credit history. This is a penalty imposed on me by Chrysler Capital.
Consumer complaint received 2015-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Duncan Solutions, lnc. (TX)

Today I checked my credit report and noticed I had an unpaid debt " derogatory remark '' against me on my XXXX report. It listed a City of XXXX ( original creditor ) unpaid parking ticket placed there by Professional Account Management ( debt collection agency ) on XX/XX/XXXX. I have never received correspondence regarding this ticket or debt from either party. 

I called Professional Account Management on XX/XX/XXXX at XXXX and they did not have my current address on file. They had a previous address in XXXX from 10 years ago. They claim mail was never returned as undeliverable so no attempt was made to verify my contact information. They told me my only option was to pay or contact the City of XXXX. 

I then called the City of XXXX parking on XX/XX/XXXX at XXXX and spoke with XXXX. The City of XXXX did have my correct address on file ( I did not provide the address for verification -- he provided it to me ). XXXX stated that the ticket was from XX/XX/XXXX for a blocked sidewalk citation and said my only option was to pay the debt. 

I never received the parking ticket on my car. I never received correspondence, either in writing or over the phone, from the City of XXXX or from Professional Account Management, even though the City of XXXX had my correct address. I have lived at the same address for the past 2.5 years, and my correct address is listed on my Texas driver 's license.I have no other derogatory remarks on my credit report and have paid all bills reported on time. I feel that this nuisance debt for a parking ticket was unfairly reported to credit bureaus -- if I had been contacted by either the City of XXXX or Professional Account Management and given the chance to pay the debt, I would have paid it to keep the charge from appearing on my credit report. It is n't fair that a negligible debt I was not made aware of can damage my credit score.
Consumer complaint received 2015-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C. (IL)

A complaint was submitted on XXXX/XXXX/2015 ( XXXX/case # XXXX ) regarding Arnold Scott Harris , P. C. I received a collection letter dated XXXX XXXX, 2015 Notice # XXXX Account # XXXX Installment Payment {$24.00} Payment Plan Balance {$300.00}. This issue was suppose to have been resolved in XXXX approximately 4 months ago, and yet I received another collection notice which is n't for me. The individual is XXXX whom I do not know. I 'm certain in a 4 month period Arnold Scott Harris, Attorneys at Law could utilize better methods of locating the correct individual if need be. This issue was extremely stressful to me 4 months ago, which apparently was all for nothing and time consuming but I still have to do my part to inform this office since I 'd done so prior.
Consumer complaint received 2015-08-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (TN)

I received this letter from this company claiming that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into a contractual agreement with them. This is the second company that has contacted me in regards to this alleged debt so I think it is being sold from company to company
Consumer complaint received 2015-08-13
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: JP RECOVERY SERVICES, INC. (OH)

I sent a cease and desist letter to a medical debt collection agency for bills for my recently deceased husband which I ca n't afford to pay. A certified mail receipt payment was made and I never got a receipt back. Now I get 2 robo collection calls a day 4 days out of the week. I want the calls to stop.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a car loan that appeared on my credit to be open with a balance of {$13000.00} still owed. i filled a complaint with all three credit bureaus to dispute this as the car loan with XXXX XXXX XXXX has been paid and settle since XXXX of 2012. I had a settlement with the car loan company to have XXXX ( a car dealership ) buy the dodge calibur for {$10000.00}. XXXX XXXX XXXX agreed to accept the {$10000.00} for the loan. I have a settlement agreement offer.It would show the loan was paid/settled. I was in good standing and was n't reported as late to the credit bureaus. When i noticed the car loan was still showing it was a current open loan for a reamining {$13000.00} i disputed it with the credit bureaus. I have heard back from everyone and XXXX and XXXX have it update to be true and correct. Transunion has now changed the account to be derogatory, with {$3500.00} in late payments and not paid. I contacted transunion to talk about their findings. I advised them i sent them proof of the settlement and that nothing is owed and that the account was never derogatory. The account should say paid/settled as the other credit companies have reported. They did verify that they received my proof and have it on file however the car loan company gave them different information and they have to go by what the car loan company has given them. I do n't understand how they can report solely on what someone says while the consumer has proof of the settlement. This discrepancy has cause my credit with them to plummet XXXX points since their false update. I have attached what experian concluded from their investigation which was true and correct and attached what TRANSUNION HAS FALSELY REPORTED.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I have a PenFed auto loan and it's reporting late payments that should not be there. My due date is the XXXX of each month and I have bank statements as well as loan statements that show my payment was collected and applied before 30 days.
Consumer complaint received 2024-11-19
Product: Credit 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: BARCLAYS BANK DELAWARE (FL)

I had a previous dispute with Barclays and that dispute was closed but only because I reached out to the Vendor and solved the issue. The vendor and I agreed to settle the matter by paying 2 of the payments and not paying the other two. Specifically, I wrote a letter to Barclays indicating that I would pay {$8600.00} and {$9300.00}, however the amounts for {$4300.00} and {$3800.00} would not be paid. I explained this to Barclays in both an email and verbally via the " Office of the President '' the persons name was XXXX. I must stress that there is no longer a dispute with the vendor, both the vendor and I are in agreement that I should be credited the amounts of XXXX and XXXX. However, even though the vendor and stated this, Barclays refuses to reverse these charges. The vendor and I are no on good terms and he advised me that he has not been paid for the XXXX and XXXX charges however Barclays continues to bill be and now there is a minimum due on these amounts. The most concerning issue is that I can not get anyone from Barclays to respond to a phone call or email. Barclays customer service is horrendous. Please help.
Consumer complaint received 2015-08-13
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Onity Group Inc. (GA)

Filed a chapter XXXX two years ago, credit was never locked as I was told it would be, was overcharged on a car loan ( XXXX admitted mistake ) but when I filed chapter XXXX no one would help {$4800.00} mistake. ONE would think the trustee or Lawyer would do something. After all I am in a chapter XXXX. This is the most stressful thing I have ever done! 

Ocwen has place a chapter XXXX on XXXX XXXX credit I did not file a chapter XXXX and I am not XXXX XXXX. They had place somebody else credit on mine in I want it removed.
Consumer complaint received 2015-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Northstar Location Services, LLC (CO)

I received a phone call on my cell phone, asking to speak with my sister-in-law and her husband. I have no outstanding debts. The credit collection agency is attempting to contact the alleged debtors by calling my cell. 

The message I received said, " For ( insert name of my inlaws ). This is XXXX XXXX ( sp? ) calling from Northstar Location Services. I need a return phone right away. Call ( XXXX ) XXXX - XXXX. This message is from a debt collector, attempting to collect a debt. " I have no idea whether my in-laws owe any money ; however, it seems unethical for North Star Location Services to be calling their relatives and telling us that they are in debt. 

My husband received an identical phone call on his cell phone, at the same time. I called my sister-in-law and she informed me that all of her friends and relatives have been calling her, saying they received a similar call today. When she called " XXXX '' at North Star Location Services to figure out what was going on, XXXX screamed at her and called her a " liar. ''