davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-27
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. (FL)

The company XXXX has been consistently reporting incorrect information in my comments that account is closed at consumer request They have reporting balances as the account is good standing and never late but refusing to update status to open since is account open with a paid statement every month. This has been going on since XX/XX/XXXX. I receive automated letters saying it will update in 30 to 60 days. This is my 3rd letter of this kind saying that. The last one in XX/XX/XXXX but Experian investigated with a reponse that account closed with a Balance deceasing every month.
Consumer complaint received 2017-11-27
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)

On XX/XX/XXXX I composed and mailed via certified mail a correspondence to XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX due to the fact that they were reporting to the credit bureau ( s ) false information that there is a {$2500.00} account balance that is past due for an account number ( truncated on credit report ) XXXX. I mailed the correspondence to the mailing address listed on the credit report which was XXXX XXXX XXXX XXXX XXXX, CA XXXX. Per USPS tracking number XXXX this address was not found and the correspondence was returned to sender. The address on the credit report was incorrect or outdated but nonetheless this correspondence was returned to me. I looked for another address for this corporation and found XXXX XXXX XXXX XXXX, CA XXXXas the address ; per USPS tracking number XXXX this correspondence was received on XX/XX/XXXX and signed for by a XXXX XXXX ; hopefully this address was the correct address for this corporation. As it is very costly to send certified mail ( {$7.00} per mailing, {$15.00} total thus far ) I am filing this complaint to ensure that this corporation has received my correspondence and dispute in regards to this alleged debt. Also, to ensure a public record of my correspondence to them in case they choose to ignore or not reply and this issue needs to go further and into a litigious process.
Consumer complaint received 2020-05-26
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. CHAPTER XXXX BANKRUPTCY DISHCARGED CHAPTER XXXX BANRUPTCY DISMISSED
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

I applied for a loan modification with Shellpoint mortgage on or about XXXX XXXX After a devastating inheritance court matter challenging my inheritance, I experienced a hardship and my credit score was affected negatively - I now have new income and family members who are contributors, certainly sufficient income - in a letter dated XXXX XXXX XXXX, Shellpoint denied the modification - I had questions and contacted Shellpoint - I was told that my home had " a lot of equity, and could I not get a loan on the equity to take care of the arrearages? '' Following the inheritance matter, my excellent credit score was now very low - I am not able to get an equity line until my credit is higher - that is why I need assistance - In this same letter Shellpoint stated that the the payment- to- income ratio is out of the acceptable range - I have not been given any targeted numbers but just this vague statement - I now have a new modification with XXXX XXXX loans on another property with no arrearages and payments in the amount of {$1600.00} are current, This should now be reflected on the credit bureau raising my score also - My land is paid for. - my car is paid for - I have minimal bills. - I am in the process of beginning to clean up my credit and would like a new start - I appealed this decision and have not yet heard from Shellpoint - Meanwhile I was told by Shellpoint to re-file another modification application whic I have done. I understand that it is complete and " in review '' presently. - I hope that Shellpoint will consider my hardship, see that I have turned around things and not base another decision on my credit score - many items on the credit bureau I will dispute - they are residue of the inheritance matter and old debts ( beyond the 4 yr statute in Georgia ).
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Through XXXX XXXX XXXX XXXX I have three separate accounts that are all showing delinquent on my credit reports. All accounts have been placed in deferment and also challenged several times with no response. Due to the school attended when receiving such loans they were to be discharged due to inaccuracies from the school. I have filed out discharge paperwork three times with the XXXX XXXX XXXX directly, as instructed, and advised each time I call XXXX that they have not been notified. This has caused me to be unable to return to school and ruined my credit.
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

For some reason, XXXX XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested and continues to report this trade-line to two of the three major credit bureaus. This is creating major issues for me such as higher interest rate, a lower credit score and rental application rejections for an outstanding balance owed. 
I disputed this account in XX/XX/XXXX on my XXXX  and XXXX reports to no avail. I also disputed directly with XXXX XXXX XXXX in XX/XX/XXXX. To date XXXX XXXX XXXX continues to disregard my requests and ignore my consumer rights. 
I believe this account does not belong to me. I requested the documents from their files used to verify this account but all I received was a billing statement from the original creditor. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified and unvalidated accounts must be deleted. 
Who verified this account? What documents were used to verify? Are these charges valid? The only correspondence that I received was a letter stating that I owed this debt and a billing statement ( this item does not qualify as verification per FCRA ). This company is in violation for continuing to verify the account with the credit bureau without properly validating or providing the evidence as requested. It is my contention that XXXX XXXX XXXX know that they can not tie me to this alleged account, otherwise they would have done so at my initial request. XXXX XXXX XXXX  is blatantly disregarding the law.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I made several good faith attempt to settle my account with Santander. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.
Consumer complaint received 2017-12-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (CA)

Frustrating to get a hold of any one to do a loan modicationi believe i got bad loan. home depot failed to properly process and underwrite home mortgage loans backed by the U.S. Veterans Administration. Bad underwriting often results in higher than average default rates. When that happens, both taxpayers and veterans lose like myself. please help me get loan modification.i believe i got bad loan. XXXX XXXX failed to properly process and underwrite home mortgage loans backed by the U.S. Veterans Administration. Bad underwriting often results in higher than average default rates. When that happens, both taxpayers and veterans lose like myself. please help me get loan modification.
Consumer complaint received 2017-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (KS)

The company is trying to collect on a medical bill that is from XX/XX/2012, I had insurance at the time, but the hospital did n't charge them, and are now trying to collect the money from me even though I was covered at the time. Also the date of billing is wrong as I did n't even live in the state during that time, it was an event that happened a few months before the stated date.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXXXXXXx XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVED ALL THOSE FRAUD INQUIRE XXXX XXXX Inquiry : XXXX. XXXX, XXXX - XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.
Consumer complaint received 2017-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

My last initial payment owed to AES was XXXX. I payed them sometime in early XX/XX/XXXX like on the XX/XX/XXXX or the XX/XX/XXXX in the amount of XXXX dallors. They only applied about 60 dallors and when I asked why they said I have to pay interest, which made no sense. Interest accrues every month and according to a statement that had my interest it explained that its 6 percent for the year, which I surely dont believe they acounted me for. I disputed this reaction with my bank who saw through the deceit since I provided images to support my claim and they rewarded me back my XXXX dallors. Now, AES is saying Im 26 days past due and claiming my loan is delinquent. Can someone resolve this?
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

I sent Afni Inc 2 letters and tracked both. They both were received by Afni, however they have never responded. 

First letter was sent in XXXX XXXX and the 2nd was sent in XXXX XXXX. I have the tracking information and copies of both letters. 


Afni Inc XXXX XXXX XXXX XXXX, IL XXXX.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

I rented a car at XXXX, XXXX airport location using a chase credit card. 

We rented a car through XXXX ( Confirmation # omitted ) and returned it in same condition - We were charged three times from XXXX. 

Originally, we paid {$1700.00} for rental car and flight through on XX/XX/XXXX. Then, we were charged ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ) without our authorization. 

After unsuccessful international calls, we emailed XXXX on XX/XX/XXXX regarding these two charges ; however, we have received no notification from XXXX about these two charges ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ). 

I tried really hard to contact them for one month! And finally, I got an email from XXXX in XXXX : " XXXX, XXXX '' Subject : claim : XXXX Date : XXXX XXXX, 2017 at XXXX XXXX EDT > Cc : " Toe, XXXX '' > Dear customer, > Following our investigation, we will refund your excess. 
> Please find attached the refund letter. 
> Please accept our apologies for the inconvenience. 
> Best regards, I will attach the refund letter that I received from XXXX. 

But, Chase investigated since I filed for disputes for the two payments of {$670.00} and {$350.00}. Chase claimed they could not get a hold of enterprise and THEY CAN NOT BY THEIR POLICY STAY ON HOLD FOR A CALL FOR MORE THAN 15 MIN - so they decided to close my case. I think this is really absurd. They are not helping their customers at all. 

I have a refund letter from the person XXXX, XXXX from XXXX, XXXX, who is NOT returning any of my emails about when I am going to receive a refund.
Consumer complaint received 2017-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation (OK)

Purchased a home and closed on XX/XX/XXXX. Academy Mortgage was our lender. I received our first mortgage statement ( will attach image ) in late XXXX, with a due date of XX/XX/XXXX. I detached the payment coupon from the statement and mailed it to the address provided on the statement which was Academy Mortgage, XXXX XXXX XXXX XXXX, XXXX, UT XXXX. Included with the payment coupon was a personal check, number XXXX from our joint bank account, XXXX and XXXX XXXX, made out in the amount of {$3000.00}, with the account number provided on the mortgage statement, account number XXXX ( will attach images of cashed check ). The payment was mailed from our residence in Oklahoma on XX/XX/XXXX. On XXXX XXXX, I received a second statement from Academy Mortgage, now listing a different account number ( XXXX ) and a different payment address ( when I called I was told that the change was due the loan now being serviced by XXXX ). I was concerned about the change and called to inquire if this would be a problem. I was told the payment could be sent on to the correct location and it would n't be a problem. In the meantime I continued to receive statements and correspondence indicating that a payment was overdue. I have spent hours on the phone on multiple days with multiple representatives with no resolution. My bank, XXXX, has faxed images of the cashed check to XXXX XXXX XXXX XXXX XXXX as proof of payment twice, at my expense. Academy continues to deny that they have received this information from my bank. Currently, they place me on hold, tell me all their representatives are too busy, and I will receive a call back, which then does not occur. When I called this afternoon I was told that my loan has been transferred to XXXX XXXX XXXX, however XXXX is still the servicer and the payment address and account number have not changed. I still have not received a call back, my account still has not been credited for my payment, and I am now being told that this is all due to my error, even though I sent the payment to the address I was given on my first mortgage statement.
Consumer complaint received 2017-12-01
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. (CA)

I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

XXXX XXXX
Consumer complaint received 2020-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AR)

COMPLAINT ID : XXXX I received a letter from Midland Credit Management stating that I owe them money. 

*I 've never done business with this company *I do not wish to do business with this company * This company has no signed documentation by me stating I owe them anything I want them to stop reporting on my credit and be removed from my 3 credit reports.
Consumer complaint received 2017-11-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On XX/XX/XXXX I submitted complaint # XXXX against Citizens Bank regarding late fees and interest added onto my HELOC account ending in XXXX. Your agency ruled against my complaint and on XX/XX/XXXX I submitted check # XXXX in the amount of {$33.00} to pay all alleged past due amounts and fees in full, which was cashed XX/XX/XXXX ( see Exhibits 1 and 2 ). This check and the attached stub clearly stated that the payment was for fees and late charges. My payment for XX/XX/XXXX, due on XX/XX/XXXX and cashed XX/XX/XXXX was on time and before the due date ( see Exhibit 3 ) My next statement for my payment due on XX/XX/XXXX, states that I owe {$3.00} in late fees ( see Exhibit 3 ). On XX/XX/XXXX I spoke with XXXX XXXX who called me re : my request to remove my name from any future marketing or promotional materials as I do not wish to do business with them in the future. I told XXXX that I had paid all of the contested fees and charges in full on XX/XX/XXXX and requested that Citizens remove the newest late fee. She said she would call me the following week to follow up but never did. Today I received the attached letter ( Exhibit 4 ) which denies my request to remove the late fee and did not apply the XX/XX/XXXX payment to the late/overdue fees although I attached the XX/XX/XXXX statement and payment explanation to the payment contained in check # XXXX. 

I feel that these continued late fees are punitive and uncalled for. Citizens had no right to attach these fees in the first place without confirming the alleged bankruptcy, of which I had no part, and furthermore should be billing my ex-husband for the total outstanding balance as decided in our divorce decree of XX/XX/XXXX and which I have forwarded to them ( see Exhibit 5 ). 

Thank you for your attention in resolving this ongoing matter. 

XXXX XXXX
Consumer complaint received 2017-11-29
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. (FL)

I PREVIOUSLY COMPLAINED ABOUT XXXX REPORTING AN INCORRECT DATE OF DELINQUENCY WITH RESPECT TO A STUDENT LOAN REPORTING ON MY CREDIT FILES ( XXXX IS REPORTING AS XXXX ON MY XXXX CREDIT FILE AND REPORTING AS XXXX ON MY EQUIFAX CREDIT FILE. THE INCORRECT DATE OF DELINQUENCY XXXX IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNT SHOULD NO LONGER APPEAR ON MY CREDIT FILES. 

I RECEIVED A LETTER FROM XXXX DATED XXXX XXXX, XXXX FROM XXXX XXXX, DEPARTMENT MANAGER FOR CONSUMER COMPLAINT MANAGEMENT STATING THAT XXXX IS WAITING TO HEAR BACK FROM XXXX. IN THE LETTER XXXX XXXX STATES THAT I COULD CONTACT CONSUMER RELATIONSHIP ANALYST, XXXX XXXX. I CALLED AND LEFT SEVERAL MESSAGES FOR XXXX XXXX AND HAVE NOT RECEIVED A CALL BACK. TO DATE I HAVE NOT RECEIVED ANY FURTHER COMMUNICATION FROM XXXX.