davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

My loan has been sold 4 times, everytime I call they provide me different information. I have submited 3 packages for modification and the investor has denied every one of them. I have provided pay stubs and spreed sheets to prove I can afford to make my payment. I was capture in XXXX with my XXXX XXXX team I was dress as a civilian, I am a XXXX agent. They torture me and beat me every day. They dislocated  my two XXXX I had two XXXX they requested a ransom XXXX to let me go my family sold everything, my brothers and sistets put the rest of the money to pay the ransom. I was captured XX/XX/2017 for 9 months. After came back I had a XXXX XXXX. That's why I am 26 months behind. I started a technical consulting company XX/XX/XXXX and producing income. However Shellpoint and this investor dont want to help us to get a modification. Even when they are seen my income. We dont have nowhere to go my baby daughter just had a XXXX in her two XXXX  the recovery will take 7 months and then therapy. 
Please help us save our home I have gave my life for country now I need my country to help me. I have a derail hardship letter, badge and deployment orders please help.
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is and only should show : XXXX XXXX XXXX XXXX, Oh XXXX. Please remove the following addresses from my report : XXXX XXXX XXXX XXXX OH XXXX,XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (TX)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-06-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX my daughter in law gained access to me and my husbands account. We never received a phone call from the bank about this access. Since XX/XX/XXXX my daughter in law has been using a invalid power of attorney for my husband who has XXXX by the way. I am his wife and I have durable power of attorney for all of my husbands needs. This was a invasion of our privacy and was a unacceptable deed done by Bank of America. We attempted to get a copy of this invalid POA and was told to get in contact with their legal department. Which was the wrong information. Of course we closed that acct and reopened another and she has gained access again and pulled out funds this time that hasnt been returned yet. How is this possible?
Consumer complaint received 2019-06-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There has been a collection debt that was placed on my credit report a couple months ago, i disputed it with the credit agencies and they showed me nothing in return. I reached out to the collector and got into agreeance that if i paid the balance in full that the account would be removed out of my name and credit report. I made the payment on XX/XX/XXXX and i received the receipt with the letter stating our agreement for me to send off to the bureaus to have them remove it as quickly as possible. I just want to make sure i add in the CFPB into the mix of this thing so that the three credit bureaus will do their job and not do anything.
Consumer complaint received 2019-05-11
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. (MA)

Hello, I have two accounts with XXXX XXXX XXXXXXXX that I have judgements. There are multiple inaccuracies on these accounts. 

In addition I have come up with a payment plan for these accounts. 

{$50.00} a month for the account with the XXXX balance {$100.00} a month for the acount with the XXXX balance. 

XXXX  XXXX XXXX has not recorded these payments on the credit reports. 

Also, XXXX  XXXX XXXX has continued to report a past due balance on a charge off. 

I have made every payment on time there should be no past due balance. 

Due to multiple inaccuracies please delete these accounts ASAP, as they are in severe violation of the FCRA Thank you XXXX XXXX
Consumer complaint received 2019-05-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello, I have two accounts with Bank of America that I have judgements. There are multiple inaccuracies on these accounts. 

In addition I have come up with a payment plan for these accounts. 

{$50.00} a month for the account with the ~5k balance {$100.00} a month for the acount with the ~16k balance. 

Bank of America has not recorded these payments on the credit reports. 

Also, Bank of America has continued to report a past due balance on a charge off. 

I have made every payment on time there should be no past due balance. 

Due to multiple inaccuracies please delete these accounts ASAP, as they are in severe violation of the FCRA Thank you XXXX XXXX
Consumer complaint received 2019-05-11
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

per midland funding website, they remove after 2 years from credit report. per XXXX, account is closed please remove from all three reports. midland funding was charged {>= $1,000,000} by 42 states in 2018 for bad practices. statue of limitations has passed. midland funding & the company they bought the debt ( XXXX XXXX XXXX ), must remove
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

XX/XX/2021 I had used my discover to visit a supposed doctor in which i backed out and he still kept my XXXX. I have kept all of the hateful texts and he never did anything. Even claimed he was reading the results to my tests however, I have other doctors that ordered them and they had already read them. He was very hateful and only refunded me for a test I was not going to get. He would not refund me the XXXX said it was his time. He did not do ANYTHING
Consumer complaint received 2019-01-28
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I took out a Citibank loan while attending XXXX XXXX University as an international student. This loan has since been sold to XXXX XXXX XXXX XXXX whose account ends in XXXX with a reference number # XXXX. 

Currently Citibank is still reporting that I have miss payments even though I pay XXXX XXXX XXXX a $ XXXX  monthly fee. I need Citibank to stop reporting missed payments for a debt they no longer own.
Consumer complaint received 2019-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

Midwest Recovery Systems recently placed derogatory information on my credit report with all three credit reporting agencies without making ANY contact with me by mail, email or telephone. This is a debt that they purchased from a payday loan company that has already been written off and significantly past the statute of limitations for such debt! This company has a long history of such unscrupulous activity and has lost their accreditation with the XXXX XXXX XXXX. 
I request this derogatory information be removed from my credit file immediately.
Consumer complaint received 2019-06-18
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. (WA)

On or about XX/XX/2019, I logged in and made our XX/XX/2019 car payment to XXXX XXXX XXXX. This payment cleared and was taken out of my XXXX bank account on XX/XX/2019. However, XXXX did not credit the payment to our account until XX/XX/2019. This resulted in a 30 day late payment appearing on my credit report. I notified XXXX  about this error and they stated they would not correct the credit report. 

I have attached a copy of my XXXX bank statement as evidence that the XX/XX/2019 payment cleared my bank account on XX/XX/2019. Therefore, the payment would have been made prior to XX/XX/2019, not after ( as they are claiming ) My account number is XXXX.
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gravamen Asset Management Group LLC (TX)

Gravamen Asset Management has reported a debt on behalf of XXXX for the amount of {$400.00}. This was reported on XX/XX/2019. Since then, they have increased the amount to {$790.00}. I've attached to this form documentation that proves that I've pay in full this amount to the previews agency. 
This issues has affected my by losing the opportunity of acquiring a house. This could also affect me on my ongoing investigation for my XXXX XXXX XXXX
Consumer complaint received 2019-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (AR)

Trying to get our escrow account refunded. On our online account is showed that we had a refund due in the amount of {$1800.00} and that it was processed on XX/XX/2019. We had not received anything in the mail and it was the end of XXXX. We were advised that a check has been mailed, but if we do not receive it by XX/XX/XXXX that we could call and ask to have it re-issued. We called back on XX/XX/XXXX to advise that we had still not received the refund from our escrow account. The woman advised us that they were cancelling check # XXXX and would be reissuing the refund and we would have it in 5-10 business days. On XX/XX/2019 we received communication from Roundpoint Mortgage that was postmarked on XX/XX/2019. The refund check was in the envelope. I went to deposit the check and realized the check that was issued had an issue date of XX/XX/2019 and it was check # XXXX. So somehow the check that they claimed to have mailed did not get sent until XX/XX/2019 which was 5 days after we had called and requested the check to be re-issued.We called to verify that the check had been cancelled as we did not want to have a returned item and get charged a fee. We were advised that the check # XXXX had been cancelled and that a new check was requested on XX/XX/2019 and we would have it in 5-10 business days. Here we are almost 60 days out from the day that the check was supposedly mailed and we do not know where our {$1800.00} refund is.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : AccounXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I assist my elderly aunt with her finances. She has given me power of attorney for all her financial and business dealings. Additionally, she recently added me as a co-trustee on her trust account. I am attempting to close her accounts with Santander bank. We have had nothing but problems with this banking institution by the way. I brought the co-trustee documents to them for me to be added so I could close the account. I had also provided the POA to them at a previous point when I closed other accounts but they did not retain this and it was not on file. After spending 1.5 hours at the branch I was told that my aunt would have to come in. I asked XXXX XXXX ( XXXX MA branches ) if he could speak to a manager. He called me back and said it's easier for me to bring my XXXX, elderly, frail aunt in to the branch to close the account than for them to process the documents. I then called him back ( XXXX ) and asked him to clarify why she would need to come to the bank. He said she has to be present for them to add me as a trustee so she might as well just close the accounts then. All of the documents provided to the bank were prepared by a lawyer. I was able to manage my aunts banking at other institutions by just having her sign some forms but she didn't need to be present. Help!
Consumer complaint received 2019-01-28
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: DISCOVER BANK (FL)

On XX/XX/XXXX, I received an e-mail from XXXX  customer support that my XXXX account was accessed without authorization. Someone had made a purchase of an item and I was charged for it. XXXX secured my account, and I saw the purchase transaction on my Discover Card, which was completed via XXXX. 

I called Discover Card and notified them of this fraudulent charge on XX/XX/XXXX, and filed a complaint on-line with the message from XXXX as proof of my claim. On XX/XX/XXXX Discover Card reversed its decision to credit my account and kept the charge on my card, saying they have proof from the merchant that I indeed did make this purchase and was sent to my home address. 

I contacted my attorney 's office about my situation, and on XX/XX/XXXX they sent a letter on my behalf to Discover Card regarding this fraudulent charge. On XX/XX/XXXX Discover again refused to credit my account, saying there is still insufficient information to overturn their initial decision and continue with the dispute. I have several attachments showing the various correspondences between myself, Discover Card, and my attorney 's office.
Consumer complaint received 2019-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (SC)

I C Systems, Inc., located at XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX, is in violation of the Fair Credit Reporting Act. I C Systems, Inc. placed a negative collection account on my credit reports, that I have no knowledge of, without notifying me before placing the collection account. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. After doing some research, I found the original creditor, XXXX XXXX XXXX, a company that I also have no knowledge of, is associated with XXXX Hospital ER billing dept. I had only been seen at XXXX Hospital once, on XX/XX/XXXX and that bill was paid in full in XXXX through XXXX and myself. The amount I C Systems, Inc is reporting is the discount the insurance company negotiated with the provider that was applied to the bill. IT WAS NOT A CHARGE. I only owed XXXX Hospital a payment of {$59.00} after insurance paid out which I paid in XXXX. My score has dropped over 60 points due this is company 's failure to perform their due diligence instead of just purchasing random 'alleged delinquent accounts '. Again, {$580.00} is the amount that was negotiated by the insurance company. This company needs to remove this erroneous account that was added to my reports in XX/XX/XXXX since they failed to actually verify and confirm that a balance of {$580.00} was owed.
Consumer complaint received 2019-06-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Rushmore under an assignment received a defaulted loan secured by the property located at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, New York XXXX. I was sent a foreclosure notice dated XX/XX/XXXX under index number XXXX. The owner XXXX XXXX was murdered on XX/XX/XXXX, and we are now approaching two years and four months in which the debt collection company Rushmore has refused to accept my XXXX XXXX rental payments which now total XXXX which leave roughly XXXX left of the outstanding debt. What concerns me is that Rushmore is acting as a debt collector in name only, because for two years and 6 months no foreclosure documents can be found in the XXXX Supreme Court. I fear that Rushmore is attempting to use its name to prevent the property from complying with state law under NY Public Auth Law 2429 and NYC Administraive Code 11-243. They're a conduit used to shield property required to be listed as rent stabilized. They keep writing me stating they can't discuss the loan, but I need repairs. How long can they keep acting like a debt collector ; who doesn't collect the rental income?
Consumer complaint received 2019-05-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Capital Alliance Financial, LLC (GA)

I have never applied or any contract with company the claim is false and they have not provide any proof that I owe the debt and file this in county That I do not live and this is a violation of the federal debt collection act and have no mean to fight them in another county.  this is harassment and I going to file charge against.
Consumer complaint received 2019-01-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

I was instructed to get CareCredit in 2015 and I was supposed to have XXXX XXXX XXXX corrected. I was paying the card but the company charged me more money than services rendered. I was charged for XXXX, an XXXX, and XXXX  that were never delivered. I contacted the company and they refused to get back with me or refund the money to the credit card. This is illegal. They work they rendered was TERRIBLE and I  paid for it already. I reached out and no one will help me. Now I am being sued for the remainder of the money which I did not even use and they are charging interest. I have paid XXXX. I owe XXXX that I never used and they are suing for XXXX.
Consumer complaint received 2019-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Herbert P. Sears Co., Inc. (CA)

HP Sears is a debt collection company affiliated with XXXX XXXX XXXX XXXX. 
HP Sears as listed a debt for the amount of {$1300.00} which they claim I owe to XXXX XXXX XXXX, I contacted the XXXX XXXX Office they stated that I owe located at : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX by telephone at ( XXXX ) XXXX. 

I spoke to one of the office assistance there and she could not locate a file or account for me. I called back and spoke an agent with HP Sears after speaking to XXXX XXXX who again verified by phone that the account was with the XXXX XXXX XXXX XXXX office listed above. 
I have not been in a XXXX XXXX office since 2016 and the bill was paid through my employer at the time which was XXXX XXXX XXXX. 
XXXX XXXX, XXXX can not find a file or locate an account with my name or birthdate therefore, I would like the {$1300.00} debt that HP Sears as falsely placed me ruining my credit.
Consumer complaint received 2019-05-11
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. (WA)

I filed a dispute with Experian for an account that has been closed and settled for over three years and they dropped my credit score from XXXX to XXXX and said I have a recent late payment on the account that is closed.
Consumer complaint received 2019-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TN)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.