davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfilio Recovery is placing two accounts on my credit report that im not familiar with Account # XXXX and XXXX. Each time I ask for info on debt the send me past due bill and nothing show it belongs to me. They state they are from XXXX XXXX have not had an card with them.
Consumer complaint received 2020-05-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (FL)

Earlier before today, l had told American Express that because of the COVID-19 emergency disaster and declaration on-going that l will not be able to commit to pay them any money unless l have it. The declaration also calls for non-collection, non late payment reporting to the credit bureaus and for creditors to follow " Fair Credit Reporting '' this time around. l hope this my assumptions are correct because as a business and a person, that is all l heard. 

But today, unfortunately it just came to my attention my credit file contained a collection account from a third party business called XXXX on behalf of American Express. In the conversation, it sounded like American Express deceived this collection agency and gave them my business account balance and told them it was my personal credit card account when indeed l never had or had long ceased to have a personal credit card with American Express. Talking to one Mr. XXXX, he imposed on me that the account in question is my personal credit that l owed American Express. His lies are so bare that he jumped from talking to me to wanting to talk to my nephew XXXX who lives in XXXX and XXXX XXXX, my ex-bookkeeper who lives in Indiana. 

Initially l thought l was dealing with a legitimate company but when the callers started mentioning XXXX and XXXX, l knew it was a desperate an intimidation strategy. Mr. XXXX if residing in the US, needs to be deported back to his country of emigration or be put in jail for saying he was calling me about my personal credit account with American Express and still wants to talk to the two individuals l mentioned. My also also has told me they called here cell phone looking for me and both XXXX and XXXX. Anyone in this country with an ounce of sense should understand the meaning of privacy. For how can you try to reach anyone for my personal account. 

l did quickly realize that l was talking to a XXXX  when he raised his voice and kept threatening me withe balance which l did not originate as a personal account. This complain is made against American Express and XXXX XXXX XXXX. What a thuggery of an outfit?
Consumer complaint received 2020-09-12
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. (AZ)

I check my credit report and notice some things that does not belong to me.The account listed below aren't mine. I sent in multiple letters to address the issue, they deleted the accounts but it keeps coming back. haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I received a letter dated XX/XX/2020 titled Annual Escrow Account Disclosure Statement. On this letter, NewRez Mortgage aka Shellpoint Partners LLC, advised that my escrow account was short by {$910.00}. Due to this shortage, my mortgage payment amount would increase from {$1600.00} to {$1800.00}. If I were to pay the shortage amount of {$910.00}, my new mortgage payment would only be {$1700.00} which takes into consideration a possible increase in property taxes. 

I first sent a payment of {$910.00}, specifically notating that it was an escrow shortage payment. Then two days later, I made the agreed upon payment of {$1700.00}. Both payments were accepted, but the {$910.00} payment remains un-applied and the new mortgage payment amount does not reflect the escrow-only payment I made to the account. 

I have called and spoken to several representatives about this matter - initials provided for privacy ( XXXX XXXX, XXXX XXXX and XXXX XXXX and many others ) When I finally spoke to XXXX XXXX he was able to make a note on my account to apply the {$910.00} to the escrow shortage, but the other representatives were completely useless i.e. transferring me to disconnecting numbers, transferring me to fax lines, or just disconnecting the line once they discovered they were not able to assist me. 

The issue has not been resolved to this point, and my account will show delinquent, though it is not. I am going to continue to pay the amount notated in the XX/XX/2020 letter NewRez sent to me, though their online records reflect a different ( incorrect ) mortgage payment amount due.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

XX/XX/XXXX : When I tried to get the free annual credit report from all 3 agencies off XXXX I was only able to get it from XXXX  and XXXX, but not from Equifax. The webpage said I needed to download a form and send it in with a copy of my SS card and Drivers License or one of several other personal documents. I don't feel comfortable sending that information by mail or by fax. 

This is the second consecutive year that this has happened with Equifax. Same thing happened requesting reports in the same fashion in XXXX.
Consumer complaint received 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

Hi Im trying to refinance my apartment so wondering if I would qualify for any programs available. I requested a mortgage modification with SLS  so that could allow me to continue to make my mortgage payments. My loan was approved in XXXX. It is a Hybrid-LIBOR ARM with a floor of 9.7 % and a ceiling of 16.7 %. The current interest rate is 9.7 %. My monthly payments are {$1500.00}. In XXXX, XXXX, I became unemployed due to a benefits dispute between my employer and some of its employees. Since then, I have been XXXX and in XXXX, I decided to start up a XXXX XXXX XXXX XXXX. However, due to the start-up costs and complexity of the business, I was not able to generate any significant sales in XXXX. I also have not generated any sales in XXXX and the COVID-19 pandemic has significantly impacted my situation even further both professionally and personally as I am dealing with XXXX like lots of us. I recently applied for the Pandemic Unemployment Assistance ( PUA ) and Federal Pandemic Unemployment Assistance ( FPUC ) to help me with my monthly payments. However, my mortgage payment and condo fee will consume more than 55 % of this benefit. My credit score its excellent and they told me I would have to stop paying in order to qualify. I appreciate the time and hope to get a phone call with options if possible-THANKS AGAIN
Consumer complaint received 2020-05-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-05-12
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: EQUIFAX, INC. (AL)

I OBTAINED AN AUTO LOAN ON XX/XX/2019, IT IS NOT REPORTING ON MY CREDIT REPORT, I NEED THE AUTO LOAN THAT I HAVE WITH XX/XX/XXXX TO BE REPORTING ON ALL THREE OF THE CREDIT BUREAUS,
Consumer complaint received 2020-05-12
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. (AR)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which  had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.
Consumer complaint received 2020-05-11
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-05-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

My name is XXXX XXXX XXXX. I sent {$140.00} including the fee to XXXX for a poor family, on Saturday dated XX/XX/2020 at Walmart XXXX, Texas. The Walmart store number XXXX and the address is XXXX XXXX, XXXX, Texas XXXX . 

Since I sent the money I called the receiver in XXXX that they would receive the money in one hour as promised by Money Gram. But when they went to the Bank next day morning The bank told them that the money is not available. 

So I called Money gram since last two days. But after two three hours somebody pick up the phone and would tell call will be transfer to specialist. And put me in hold. after on hour the call automatically disconnected. 

So I went to the Walmart since they have the responsibility. The manager told me they don't have any responsibility. They advised me to call the Money Gram.. 
So nobody has any responsivity. 

Money gram customer service number : XXXX a fraud number.. 

So please look in to this sad situation and get my money back. I feel this is cheating and breach of faith too. 

The reference number is : XXXX and the receiver name is XXXX XXXX XXXX . 

Yours faith fully XXXX XXXX XXXX Cell : XXXX email : XXXX XXXX
Consumer complaint received 2020-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have told Transunion that these are not my accounts. These were opened from identity theft. Please delete and block these accounts from my report because they are fraud XXXX XXXX XXXX {$470.00}, XXXX XXXX {$280.00}, and XXXX XXXX {$13000.00}. 
Thanks
Consumer complaint received 2021-12-19
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: Marlette Funding, LLC (MN)

Best Egg Representatives keep constantly calling and harassing me repeatedly about a debt I dont owe and accounts thats not my accounts or debt. I been receiving phone calls from Best Egg Representatives using profane and vulgar language against me, sending me litigation notices of me being arrest, took to jail, and sent to prIson for a debt thats not my debt or account. I am very afraid right now because, I been receiving death threats from Best Egg Representatives as well.I fear I might lose my life and die because of the constant harassment and XXXX XXXX I been receiving. Best Egg has reported the fraudulent debt and accounts to XXXX and XXXX, and the fraudulent accounts and debt is currently listed on my credit report. Best Egg is currently in violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C 1692 under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2020-05-11
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. (UT)

Though I very much appreciate the sentiment in deferring our federal student loans, there has arisen a serious problem. The loan providers have changed the loan status to " Deferred '' at all the national credit bureaus and now credit scores are dropping. My credit score dropped almost 20 points overnight. 

Student Loan deferment is not supposed to change credit scores. In this case, I neither ask for nor approved the deferment as it was done by the President of the United States. Why should my credit suffer as a result? 

This is not the time that any of us can take precipitous drops in our credit scores. I had to call my provider this morning and request they take me out of deferment and resume making payments just to repair the damage to my credit. This defeats the whole purpose of the effort in the first place. 

Attached is a screen print from XXXX XXXX. This shows the change made to my accounts where the remark Deferment was added to my student loans and a resultant 17 point drop of my credit score. 

Credit Bureau : Transunion Loan Servicer : XXXX XXXX Could you please raise awareness of this issue? 

Thank you, XXXX
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX new accounts were reported on my credit report. XXXX account with XXXX XXXX ( XXXX XX/XX/2016 XXXX {$28000.00} TransUnion ) was for an automobile. That loan was paid off by the other new account on my credit report, XXXX XXXX XXXX. The XXXX XXXX account has been paid in full and should show as closed.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I opened a checking account in XX/XX/2020 with Bank of America, this account was opened with the purpose of paying my credit cards off which I hold with the same bank. ( I am not XXXX and I dont live in the us ) on the XXXX my checking account was close without any reason given to me, they said a business decision, I have query this with the bank and I got not response, I am very mortified of what they have reported to XXXX , as I said I dont live in the us and getting a report is petty much impossible. The bank has put so much emotional stress on me, I am XXXX for an XXXX   and I worked with a XXXX, I dont want any wrong information in my credit report or history, I managed to pay off one of the credit cards with my mothers account t and I am in the process of Paying the second one to not have any more debt. But this is not a way to treat people, Ive never done anything wrong and I am a very hard worker person.
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (WA)

My husband and I opened this auto loan XX/XX/XXXX. I scheduled the payment for XX/XX/XXXX like I did every month since we opened the account and somehow the payment was not applied correctly, and Wells Fargo Dealer Services reported a 30-day late. I would have thought that as soon as the payment was past due by 1+ days not 30 days that we would have been contacted by Wells Fargo Dealer Services however we were not. I only discovered the payment hadn't been applied correctly when I went to schedule the payment online for XX/XX/XXXX. At this time, we decided to payoff the loan. The payoff was processed on XX/XX/XXXX.
Consumer complaint received 2020-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TCF NATIONAL BANK (MI)

Opened a checking account on XX/XX/2020 through TCF Bank online. XX/XX/2020 I deposited a cashiers check for {$14000.00} at my local TCF branch. The branch manager also opened a savings account and transferred {$100.00} from check into new savings account and provided me with a atm/debit card. I was told my check would have a 2 day hold placed on it. On XX/XX/2020 I sent email via tcf mobile banking app to inquire when my funds would be available and received a responded shortly after on sat XX/XX/XXXX. That Sunday the XXXX  I attempted to use debit card and it was declined. After multiple attempts to call customer service and ask what is going on I received an email via app banking status g my account was closed. Between tcf customer service and branch manager I have only been told my account was closed on the XXXX. I have received email and mail regarding my account or memebership still after the XXXX. I was not told why my account was closed nor have I received my funds of a total of {$13000.00} and have not been told how long until I receive them or when they will be mailed out by tcf. I have copies of email communication between myself and TCF, deposit slip, etc ... ..
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was erroneously charged a late fee of {$25.00} and an additional {$35.00} in interest charges on my XX/XX/2020 statement. The payment was in the mail-box well in advance of the due date. My only thought is that Capital One is attempting to pad their revenues in this time of COVID-19. If the Postal Service is over-burdened in these trying times, that is beyond my control. Capital One, however, must not be allowed to fleece it's customers due to the COVID-19 crisis we are all doing our best to cope with. 

I attempted to call Capital One, but the wait time to speak with a rep was over two-hours ( absurdly unreasonable ). In other words, Capital One does not want to hear from outraged customers, but will happily nickel and dime them to death, hoping they will back down, or perhaps, literally die off.