davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I received a bombshell letter from one of my credit card companies, FIA Card Services ( Fidelity Investments ) saying that my MasterCard account had been canceled for XXXX reasons : history of delinquency ; balance relative to credit lines too high. Neither is true. I 've had the account since XX/XX/XXXX, and I 've never once been late. For the last XXXX years, I 've paid all my credit card balances in full each month. Of my available credit, I utilize less than XXXX %. How can anyone consider that excessive? The " delinquent '' bill in question turned out to my Bank of America MasterCard, in the amount of {$25.00} [ I made a donation to my XXXX XXXX XX/XX/XXXX but never received a bill ]. The FIA Card Services letter referred me to XXXX XXXX XXXX to dispute it. I tried calling FIA direct but they basically said their decision was final, that I was a " poor credit risk. '' Up until this happened my FICO score was XXXX. It 's now dropped to XXXX. Yes, I paid the bill XXXX XXXX [ It took 2 hours and required purchasing a {$9.00} online report from XXXX, unless I wanted to wait 2 weeks for the snail mail version, to even find out what it was that I owed and to whom. ]. Their behavior seems more than a little draconian. Please, can you help?
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (TX)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and 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 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
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (TX)

Enhanced Recovery has repeatedly re-aged a debt that is over 10 years old to give the appearance of a new debt, which is clearly illegal. After disputing this debt through XXXX they have been unwilling to correct this mistake and remove this error from my credit report.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage has once again added a negative remark to my credit report after removing it 3 times now. I have filed complaint after complaint with CFPB regarding this matter with Shellpoint Mortgage. Shellpoint will reply quickly, remove or update my credit report, and then it will arrive again on my credit report within a couple of months. 
My credit report now says " PAYMENT DEFERRED ''. This is a negative remark, and will affect my ability to secure future mortgage financing. 
I need this to be removed. I have proven over and over again that this remark is not accurate. Shellpoint has provided me numerous apology letters stating this information is not accurate, and then they remove it. 
I need this to be removed immediately because I am in the process of having a home built and trying to secure financing. 
Thank you
Consumer complaint received 2020-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

Attention Deputy Director : XXXX XXXX I have disputed this medical bills with both the collection agencies, both of the credit bureaus. Merchant Credit Guide is located at XXXX XXXX XXXX XXXX, XXXX  Il XXXX, Creditor : XXXX XXXX XXXXXXXX  dated XX/XX/XXXX in the amount of {$1300.00} at which time all these medical bills should have been paid by both of my health insurance, for all billing in this complaint that I have enclosed here. Now Merchant Credit Guide has this collection on my report with XXXX XXXX in the amount of {$1300.00} and XXXX  has it on my report in the amount of {$890.00}, # 2. Merchant Credit Guide has another collection on my report for XXXX XXXX XXXX  the amount of {$350.00} which also should have been paid as stated above. # 3. Now come XXXX XXXX XXXX that has a collection on my report in the amount of {$370.00} which also should have been paid as stated above.
XXXX XXXX XXXX health insurance through my employers that I had as well as Medicaid that I have and continue to have.

Complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery placed unlimited calls on my cell. I am XXXX XXXX to the XXXX XXXX. I can't use my cell now because of all the Voice over IP calls. 
They put a XXXX dollar plus ding on my credit. I call the police the police came out said it is a sham. I am calling the FBI next IC3.
Consumer complaint received 2020-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

I signed up With XXXX for internet and TV services and was told I would have 30 day guarantee to cancel service if I was unhappy. I canceled the service on the 32nd day but was charged for 60 days of service. 

I was never told that I would be charged for a full second month. The service was disconnected and the bill was paid for 32 days. 

They refuse to credit the bill for the other 28 days and have now turned it over to a collection agency that is reporting it on my credit report for something I did not receive the service for.
Consumer complaint received 2020-08-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

Can not activate my card from Texas Unemployment through Us Bank Reliacard. Tried the website and it won't work. Tried the app and tried calling. I can not use my card.
Consumer complaint received 2020-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Thank you for taking the time to help people navigate through the Public Service Loan Forgiveness ( PSLF ) program with FedLoan Servicing. I find myself in a unique situation with my loans. I have been working with non-profitsover the last ten years with two of those years working as an XXXX XXXX. 

Here is my situation : I was trying to use my XXXX XXXX XXXX XXXX to pay down my XXXX XXXX XXXX XXXX monthly payments and stay current on my account. The problemthat I was having was that my payment was not arriving on time and defaulting on my PSLF payments because it took too long to transfer over. I asked several times if there was a way for me to set up an automatic withdrawalfrom my XXXX XXXX XXXX Award. I was told that this could not be done. My solution was to pay multiple months at a time. As a result, I found out that a year of my payments did not count for the following months : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX 4 months ), XXXX XXXX, XX/XX/XXXX. 

I have had a number of reviews on my account to try to get this fixed but, it always comes back negative. I spoke to an ombudsmanat FedLoan Servicing and they told me that my request was also denied. Years later I found out that they could take automatic payments from an XXXX account. 

It doesn't seem right to me that paying ahead on my account to satisfy timely payments should be counted against me. Especially, because the transfer payment was out of my control and between two slow moving bureaucratic governmentagencies.I feel like I have been duped andI am not sure how to proceed. Do you have any advice?

I am currently at 103 qualified payments and having an extra year worth of payments returned would really change my life. I have also attached my notes to give you a paper-trail of my experience.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have requested for loan modification to bank of America and was rejected. Yet my income is high and unable to meet with monthly payment. Instead of Bank of America working with me, they sold my loan to XXXX XXXX XXXX XXXX wihout completing modification. Bank of America wants to forclosed my house, because no one is happy with XXXX XXXX XXXX. Their primary duty is to complete a fast sale by employing fraudulent means.
Consumer complaint received 2020-08-16
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: EQUIFAX, INC. (FL)

XXXX and Equifax are still reporting inquiries Ive disputed. They recently removed some but failed to remove one from XXXX XXXX on my XXXX  report and XXXX XXXXXXXX XXXX  XXXX and XXXX from Equifax. 

Also Equifax is showing a new collection account from XXXX that I have no knowledge of. 

Equifax is also reporting my balances on specific accounts incorrectly with XXXX XXXX, XXXXXXXX XXXX   XXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX. These accounts have not had balance increases and should reflect balance decreases as they do with the other credit bureaus such as XXXX and XXXX. Equifax continuously reports late information.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon viewing my credit report today. XXXX a collection agency is reappearing after account was removed from my credit report due to unverifiable information, previously. As of today, XX/XX/2020, the account has reappeared. I have disputed with the credit bureau again today. This has and is hurting my credit, if this continues to happen.
Consumer complaint received 2020-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I applied and received two credit cards from Orchard Bank ( Now Capital One ) on XX/XX/XXXX. I then choose to close the credit card account on XX/XX/XXXX of XXXX which I have documentation of this. My last payment that there showing is XXXX of XXXX. XXXX XXXX XXXX apparently purchased the debt that was owed on XX/XX/XXXX XXXX. My understanding of the Statue of limitations would had this debt Time barred by this point. I disputed this through all three credit reporting agencies with no success. XXXX XXXX XXXX is still reporting this Debt and is damaging my credit. I need to have this resolved as I have tried repeatedly. I would greatly appreciate your help. Thanks
Consumer complaint received 2020-08-16
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc. (TX)

This is my payment receipt The payment wasn't confirmed on the game but it did reduce my account balance. 
Google XXXX Thank you. 
You've made a purchase from XXXX XXXX XXXX XXXX on Google XXXX. 

Order number : XXXX Order date : XX/XX/2020 XXXX XXXX CDT Item Price XXXXXXXX XXXX ( XXXX XXXX XXXX : XXXX ) {$4.00} Tax : {$0.00} Total : {$5.00}
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

Hello, i have a loan with Specialized loan services which was put on forbearance because of COVID 19 and everything being on lock down from XXXX until XXXXRight before end of the period i called my lender and spoke about options to repay the debt which the agent was kind to set one for me in the next 6 months.I payed the amount i needed to pay at that moment which i was instructed to do and than waited for another month to do my next payment.Next month came in and the agent on the phone had no clue what happened and said to me that there is no repayment plan going on on my loan and that he had to do it all over again and also checked and confirmed that the agent before him just submitted a payment and that was all. 
After XXXX XXXX did background check on my credit report they noticed one late payment that was reported from SLS and they did not wanted to take that out of my profile because apparently from their view i have missed a payment.Totally unfair for me to have that on my account after pandemic and not knowledgeable staff from their company to not guide me correctly in situations like this.I want full investigation from their side and a sweep on my account for present negative actions on my profile.T Thank you
Consumer complaint received 2020-08-16
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. (MO)

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX  XXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX Not Mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX- Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXXNot Mine Delete/remove from my credit file.
Consumer complaint received 2020-08-16
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: EQUIFAX, INC. (NY)

I previously notified Equifax that I am a victim of identity theft and there is a fraudulent XXXX account. Account number says XXXX, and it is not mine
Consumer complaint received 2020-09-11
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. (CA)

On XXXX XXXX I had opened up a dispute with XXXX XXXX XXXX XXXX. I had informed that the XXXX XXXX XXXX that I had returned a defective jacket. XXXX acknowledge the defect and return. The sent out another replacement jacket but it never arrived. I in turn requested a full refund of {$850.00} and was credited by XXXX XXXX. XXXX XXXX XXXX was suppose to credit the full amount of {$850.00} but it was never credited to my account. This in turn cause the dispute between myself and XXXX XXXX XXXX. This resulted in the late payment. 
I have provided the necessary document on the return, pic of the defect, and follow email of the non arrival of the replacement item. I still have the corresponding email between myself and the XXXX vendor. I can provide all of this to help prove my case. 
Experian Credit reporting number : XXXX I have also paid the amount in full to XXXX in hoping to avoid further late charges and negative reporting. and hoping to resolve it through the credit reporting.
Consumer complaint received 2020-09-11
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: EQUIFAX, INC. (TX)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-08-16
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. (GA)

I have advised Experian on several occasions that the information being reported on my credit file is incorrect, possibly in error and/or a result of identity theft. The following address ( es ) do not belong to me XXXX   XXXX XXXX XXXX XXXX XXXX. The following employer does not belong to me XXXX XXXX XXXX. I have never paid the XXXX ( XXXX ) account late. The XXXX XXXXXXXX ( XXXX ) account does not belong to me, the XXXX ( XXXX ) account does not belong to me. These items are a result in an error and/or identity theft and should be removed from my credit file. Please help me get this matter resolved.
Consumer complaint received 2020-08-16
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. (OH)

THIS IS MY SECOND REQUEST FOR VERIFICATION OF ITEMS ON MY CREDIT REPORT. 
There are still items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged  debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 
1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be  a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-08-16
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: Experian Information Solutions Inc. (OH)

I pulled my credit report and found accounts on there that do not belong to me. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX # 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-08-17
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: ENOVA INTERNATIONAL, INC. (TX)

I explain to this company i had not inquired bout an application and this an unauthorized inquiry and i file a FTC theft number # XXXX but they failed to assit me
Consumer complaint received 2020-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Discrepancies with XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX originated from XXXX XXXX XXXX in which the Payment Credits have not been applied to the said Loan for Principal Payment Reduction Credits, Interest Payment Credits and Escrow Payment Credits other than idled / situated in the order of Suspended Account Funds.