davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

My complaint is about XXXX, formerly named XXXX, also part of Shellpoint Mortgage Servicing. On my XX/XX/XXXX statement, I was told to pay a partial payment of my usual monthly mortgage. My usual payment is {$1400.00} per month. My XXXX statement said to pay {$370.00}, as a {$1000.00} payment had already been applied. I paid {$400.00} for my XXXX statement. I soon received a letter informing me I did not pay my XXXX balance. By XX/XX/XXXX, I received a letter saying I owed {$2500.00} because I didn't pay the whole balance due in XXXX. So I had to take a loan from my parents to cover this cost. I paid this total amount then on XX/XX/XXXX. When I called XXXX and asked about the discrepancy in the XXXX statement, they were not sure why the problem happened and they would get back to me. They did not. When I called back around XX/XX/XXXX, the service agents couldn't explain why there was a {$1000.00} payment made to my account, and later retracted. When this payment was retracted that caused my partial payment to not meet the monthly cost and I was sent a failure to pay notice. At this point XXXX told me it was going to be ok. But what happened to the {$1000.00} partial payment applied in XXXX? After I had already paid the {$2500.00} for XXXX, I called again to XXXX to understand what happened. They replied with " we don't know ''. I called again today, XX/XX/XXXX to find out what they discovered happened to the missing {$1000.00} from my XXXX statement. They told me they didn't know, they also said they might have applied someone else 's payment to my mortgage. They were not sure of their own book keeping. I was charged a {$56.00} fee. My credit also took a hit, as I was considered delinquent for paying the amount XXXX billed me. XXXX 's poor book keeping caused me I injustice to my credit score, when I'm trying to finance a new car, and now my monthly payments might go up {$100.00} a month. XXXX  mortgage company made multiple mistakes, charged me a late fee, messed up my credit, and their resolution to their mistake is " I apologize. '' Meanwhile, I am the one financially burdened by their mistake. Please help.
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (SC)

On or about XX/XX/XXXX an account was opened in my name through US Bank unauthorized. I notified them first on XX/XX/XXXX XXXX and again on XX/XX/XXXX XXXX via signature required UPS of my dispute. Both times they failed to respond as required by both the FCRA and the FDCPA.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed that there was a MAJOR drop in my XXXXredit score in the past two months but nothing has changed on my end. I have not been delinquent on any accounts and I can not find any negative impacts on my credit report to be affecting the score so! It dropped from the mid 700s to 675! I am diligent about paying everything on time. I did notice that my current employer is not listed, and I spoke with my employer yesterday about this. ( XXXX XXXX ) also, I see that there is an open account from XXXX for XXXX XXXX for an apartment I rented years ago in California. I do not know what exactly has caused my score to drop so dramatically but I need it to be reviewed please because I have worked very hard to assure j maintain a great credit score and am currently looking to get an auto loan.
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

re : Previously claim # COMPLAINT ID XXXX Please advise JP Morgan Chase bank that, as of the end of the week, I will be filing a claim in small claims court in XXXX XXXX District Superior Court. for the maximum amount of {$10000.00}. Despite the fact my original claim to the XXXX was filed on XX/XX/19, Chase operated belligerently and without any pretense of good faith in allowing me to access documents and form a substantial argument against their spurious allegations, have refused to communicate with me in writing, or provide any verification of the alleged debt owed. Their time frame for a reasonable response has long since expired, and I am ready to adjudicate this matter in open court.

Sincerely, XX/XX/XXXX
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I XXXX XXXX am in a big financial situation, where I need to request a settlement from Capital One. This financial institution is now taking me to court, even though I have given notice over the past year that I was facing a serious financial hardship. I do not desire a judgment to be taken against me. I do not desire to file for bankruptcy. However, I will borrow the funds from a relative if a settlement can be accepted for {$370.00} on the referenced account. I will need this settlement as quickly as possible.
Consumer complaint received 2019-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Carbon County (CO)

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : CXXXX XXXX XXXX XXXX The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX WY XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX XXXX XXXX XXXX  has NOT removed this account from my credit reports, or have sent me any kind of actual validation under the FDCPA. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. I have no idea who this company is, and not only were they NOT able to furnish a signed contract of my doing business with them in any way, they have now violated my HIPAA rights as well by sending me a patient report containing my medical information from some other company, but NOT sending any copy of a HIPAA release form. Now they've violated my FCRA, FDCPA, AND HIPAA rights. I've attached that document they sent me. 
Thank you for helping me resolve this matter.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

in the spring of XXXX i received a colecttion notice from XXXX XXXX XXXX for remaining balance of XXXX for my XXXX XXXX  XXXX card on XX/XX/XXXX paid remaining balance i have canceled check and bank statment for that check. in XX/XX/XXXX received a colections notice from XXXX for same XXXX account for the same XXXX began disputes at this time sent supporting documents to experian multiple times only have proof of certified letter sent to XXXX with supporting documnts on XX/XX/XXXX at this time i belived everything was taken care of but on XX/XX/XXXX recived another collection notice for same account for same amount from XXXX XXXX began disputes again this time after multiple phone calles the account was marked paid XX/XX/XXXX did not look into it to much even though they were a year off of date it was paid it was over. until XX/XX/XXXX i began making sure my accounts were all accurate or reports to find out it is marked paid but as a charge off ... so after multiple attempts to resolve situation and sending support documents nothing happened my criedit score is still suffering
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I was going over my credit report and I seen unauthorized inquires that I do not reocognize.Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissiblepurposes, '' that must be met before anyone can inquire a credit file. I never gave any permission for the following companies to pull my credit report XXXX XXXX XXXX / XXXX   demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The credit reporting agencies allowed XXXX XXXX XXXX add information on my credit file without ensuring the creditor was in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I've lived in a different state for more than two ( 2 ) years. I received no communication from the creditor. Yet, the creditor was allowed access to my credit file which has my current address. The bureaus should have made ensured the creditor had sent letter a to my address on my report prior 30 days prior to allowing the item to be added. I should have received the following from the creditor : - notification of an attempt to collect a debt - giving me 30 days to dispute the validity of the debt - stating to me the amount of debt that I owe - provide me with the name of the original creditor - to my knowledge I had not received such a letter
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/19 deposited paycheck in the amount of {$2600.00} into checking account. This is the same deposit that is made twice monthly. Same amount, same account. There have been no issues for the past year with deposited paychecks. Bank now refuses to make funds available until XX/XX/19, which has compromised our jobs, due to childcare not getting paid, compromised our mortgage payment, and now we can not pay our electric which is due by XX/XX/19, before being shut off. We have attempted to contact the bank and were told by both our local location and the customer service line, that they were going to hold our paycheck for 10 days due to our account being negative before. Our account has {$.00} in it with no outstanding balances or purchases. This holding of our paycheck is in no way useful to the bank, other than keeping us from paying our bills and as a form of punishment.This is through Fifth Thirds Bank.
Consumer complaint received 2019-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CO)

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : DIVERSIFIED CONSULTANTS INC. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019 at XXXX XXXX. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been 47 days, and they have NOT replied. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and DIVERSIFIED CONSULTANTS, INC. have NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (FL)

I have contacted this merchant several times in reference to this account. I placed order with furniture for less I was granted {$700.00} credit limit I ordered a XXXX XXXX that was no longer available and had been discontinued. Three days before delivery was expected I was advised I would not be receiving my bed that it had been discontinued. I had to call several times just to get a refund it took about 2 months to refund my money. I have disputed this twice and nothing has been removed. Acima Credit I opened this account XX/XX/XXXX not XXXX. Contact info XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
Consumer complaint received 2019-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (WA)

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : PUGET SOUND COLLECT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, WA XXXX. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. It has been 60 days since I mailed that out, and under the FDCPA, the debt collector had 30 days to respond, and did not, which is a violation of the FCRA and FDCPA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and PUGET SOUND COLLECT has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. In addition to this, they're reporting that they originally purchased this collection on XX/XX/2013. The statute of limitations starts when a debt FIRST becomes delinquent. Even if the first delinquency of this erroneous debt with the original creditor was on the SAME date that this debt collector purchased the debt, there would only be 9 months left in the statute of limitations. Title 4, Chapter 16 of the Revised Code of Washington ( RCW ) outlines the various statutes of limitations for debt collection in the state. RCW 4.16.040 gives written contracts and accounts receivable a statute of limitations of 6 years before the unpaid debt becomes time-barred. RCW 4.16.080 stipulates that oral contracts have a statute of limitations of 3 years. Thank you for helping me resolve this matter.
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (IL)

Account set up on auto deduction and paid on-time every month during the promotial deferred interest period. We moved on XX/XX/XXXX and didnt receive our statement to pay in full our account. We called on XX/XX/XXXX and updated our address, the company didnt advise me the promotional period ends on XX/XX/XXXX to avoid {$1800.00} being added to the account in deferred interest. Called company on XX/XX/XXXX, agent said we will get our statement in 7-10 business days. Again, the agent didnt advise me our 30 day window to avoid {$1800.00} would be added to our account on XX/XX/XXXX. Called on XX/XX/XXXX, received statement, found {$1800.00} was added to my account and my new balance was {$2500.00}. Spoke with XXXX and I explained the account should not have the added interest due to being set up on auto payment by the company to pay in full during the promotional period. She along with the help desk supervisor said we missed the date of XX/XX/XXXX by 9 days. Explained I moved and asked for the statement to be sent and would have paid in full if any agent on XX/XX/XXXX or XX/XX/XXXX would have provided me with this information since we had not received out statement. Spoke with supervisor XXXX ( XXXX ), and he also said there is nothing they can do to help me for this circumstance. Offered to just pay the remaining balance with XXXX and XXXX, both said they can not accept because we have passed the XX/XX/XXXX date. 30 days post XX/XX/XXXX. XXXX said the representatives are not trained to provide any information about the account unless asked specifically by the customer. Hence, the potential reason why the representative didnt inform me on the phone {$1800.00} would be added to my account on XX/XX/XXXX. ( Two calls : XX/XX/XXXX and XX/XX/XXXX )
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

On XX/XX/2019, I received an email from XXXX XXXX and XXXX XXXX regarding a loan application that was submitted to them in my name. 

This was a fraudulent application, which I did not make. 

As a result of this information, I attempted to place a security freeze on my credit reports. I was successful in doing so online with XXXX and XXXX however, Experian refused to freeze my account. 

They provided absolutely no information and demanded that I mail my request to them. 

Time is of the essence, as the result of the fraudulent application for a loan in my name and therefore waiting several weeks to mail my information is problematic. 

This appears to be a universal problem with Experian and I would appreciate any assistance you can provide me. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am so beyond tired of this. I never opened a credit card since I was XXXX. Both cards were closed. When I was in high school, I lived with m aunt XXXX ( XXXX ) XXXX XXXX XXXX while my mom worked in XXXX. A XXXX credit card was opened in my name, three capital one cards were opened in my name. A XXXX gas card was opened in my name. A XXXX XXXX card was opened in my name. A XXXX ' card was opened in my name. A Gold master card was opened in my name. A XXXX XXXX Master Card was opened in my name. They were all maxed out. I was an innocent XXXX year-old. XXXX continued to wait until the death of my grandfather. She opened an XXXX XXXX card in his and my name ( because he was dead and I was alive. ) She opened a XXXX and opened a XXXX XXXX in my grandmother 's name. XXXX has been visiting XXXX XXXX to obtain these cards and max them out. She even flew to XXXX XXXX XXXX to steal an outdated check from my grandfather for {$3000.00}. It it is video, she claimed to be cosigner. I graduated college and am done with this XXXX. Please HELP!!
Consumer complaint received 2019-07-13
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. (CA)

Experian and XXXX are in violation of FCRA. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I've demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts in dispute. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts I requested to have verified.

I submitted 2 letters along with driver 's license, social security card, and cell phone bill to prove my identity and current address over the last 60 days requesting verification and have received 0 verifiable proof. 

I have 2 accounts that have not been properly verified and are still being reported on my credit report. 
1 account is for {$610.00} and the second account is for {$4100.00}.
Consumer complaint received 2019-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (OH)

keeps popping up on my credit report as " collection '' this is not my debt it is ruining my credit i'm being denied credit because of this its been popping up for some time now i have no knowlede of this account i have been a victim of identity fraud its states amount is well into XXXX {$2000.00} i will prosecute this all the way again it is not my debt!!!!!
Consumer complaint received 2019-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I HAVE A RENTAL BLOCK FOR APARTMENT THAT NEVER LIVED IB. IT WAS DELETED FROM CREDIT BUREAS BUT COLLECTION COMPANT nATIONAL CREDIT SYSTEM STILL TRYING TO COLLECT AND HAVE A RENTAL BLOCK ON MY HISTORY.