davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
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: LD Holdings Group, LLC (CA)

Complaining about Loan Depot Mortgages, Never got a delinquency letter from the company! Eventhough I had it all set up on my end for payment. 

Poorly handled by previous agent. When I started my refinance with Loan Depot from Other mortgage company on XX/XX/20. I have set up an autopay assuming it will be automatically deducted from my bank.

On XX/XX/2020 I got a message from Loan Depot through email about late payment and deregatory mark was immediately was reported to my credit bureau. I immediately called LOAN Depot regarding my concern. After speaking with customer service agent adviced for me to ignore the messages about the non payment as she can see that I already have the payment drafted in her system and that it should go through anytime. 

Long story short : the payment was never deducted even though i had set it up and funds are ready. i have never received any delinquent letter from Loan Depot! 

Called loan depot again and spoke to these agents : According to their Agent XXXX AGNT NUMBER XXXX And Agent named XXXX agent number XXXX There was a-glitch in their system. They informed me that they will move forward with this and retract the bad report on my credit. Unfortunately they never did. 

I have wrote them multiple email and faxes! Unfortunately no response. 

My credit went from XXXX to XXXX! 
I have been always meticulous with my credit and this is what I get after refinancing with Loan Depot. Very disappointing.
Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The account is not my account and I have never had any business with Portfolio Recovery/XXXX XXXX. 
I sent a letter regarding a debt collection attempt for Portfolio RC on behalf of XXXX XXXX  indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
Consumer complaint received 2021-01-26
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. (TX)

There is a fraudulent item being placed upon my credit report from XXXX/XXXX  that is not mine. The person ho set this account up committed identity theft in doing so because I have never had or opened an account with XXXX/XXXX. I have sent no less than 3 disputes to them regarding this matter and I have heard nothing back from them, they did not comply with Section 609 FCRA under identity theft provision. I am attaching my dispute from XX/XX/XXXX addressed to each credit reporting agency demanding a proper investigation into the matter under Section 609 FCRA and they have failed to comply with this section under The Fair Credit Reporting Act. 

I am enclosing an article from XXXX XXXX that references a lawsuit filed against XXXX by The Federal Trade Commission in XX/XX/XXXX. This article discusses the violations of XXXX involving their failure to provide specific records to customers asserting identity theft. As of this complaint submission XXXX/XXXX  has refused to comply with Section 609 FCRA which is causing me great harm and injury to my credit report. In addition, XXXX, XXXX  and Transunion are not conducting a proper investigation into the complaint since they are all aware of dispute under Section 609 FCRA going back to XX/XX/XXXX. This is an identity theft issue and none of the entities are complying with The Fair Credit Reporting Act Section 609. 

Please note the attachments to my complaint along with my previous disputes to XXXX, XXXX and Transunion under Section 609 FCRA.
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

I have been receiving repeated phone calls from Phoenix Financial XXXX XXXX, Indiana ( XXXX ) XXXX on my cell phone trying to reach somebody named XXXX XXXX. This has been going on for about 2-4 times a month for three years and Ive spoken on my phone dozens of times to them and theyve always agreed to take my cell phone number off their list but each time they have lied and didnt take it off their list at all. 
Ive never heard or do I know XXXX XXXX, he is not a friend, family member or acquaintance. 
Phoenix Financial Services uses a variety of Texas local phone numbers, the last being ( XXXX ) XXXX, when calling me and they always say or have a recorded opening that they are Phoenix Financial Services and that they are trying to collect a debt. 
I got my cell phone number ( XXXX ) in 2017 when I switched phone carriers ( XXXX ) in a move from XXXX to XXXX. My previous cell phone XXXX phone number was XXXX. 
I have asked them to stop calling or I will report them to the government many times and yet they continue to call me. I dont know what to do as they are constantly interrupting my day with their phone calls and it must stop.
Consumer complaint received 2021-01-11
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: BARCLAYS BANK DELAWARE (TX)

Someone used my Barclays credit card to make a lot of fraud charges for total about {$7500.00} around XX/XX/2020. When i see these charges in the statement I immediately call Barclays and report it, customer service said they will close the account and start the investigation. I have filed police report. About one week later I the credit for all charges on my account. But just a month later I received a letter in the mail said that they have completed the investigation and that i'm responsible for all the charges. I call the phone number in the letter asking why and the customer service said that fraud claim denied because investigator said transaction was made by a chip credit card, and it is very hard to duplicate the chip card. and also that online purchase was shipped to my billing address. So I ask customer service what address item was shipped to she just said it is shipped to my billing address. I ask her can you read out the shipping address but she said she couldn't. I then ask customer service to send me all the documents of the investigation, she said I will get it within 10 business days, I still have not received it. I also request for supervisor call back and it have been more than 10 business days still nothing.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NC)

XXXX has my name as XXXX and I have never had that name, nor did I give consent for them to enable numerous creditors and other agengies to have access to my personal information. I disputed their false report and they have yet to fix the wrong name on their report. 

Additionally, they have enabled numerous credit inquiries all of which were made without my permission. 

I have never been late for any bill or payment ever in my life and I have XXXX debt. 

Any information to the contrary would be false. 

Additionally, I have sought the information pertaining to the credit inquiries and have been denied this information despite my being a victim of identity theft. 

I have mailed my documents and have called to report the false reported name and experian has failed to change this false name and has neglected to give me access to my file- especially with the disclosed creditors seeking information about my personal financial history.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

The billing statement with closing date XX/XX/XXXX Account ending XXXX, the pay overtime direct, pay overtime travel, pay overtime select, promotional sign & travel rate expired, promotional pay overtime direct rate expired and cash advances. Neither of the above features did I agree or gave consent to add and apply these features to my billing statements. Just like in the pass also American Express added additional car rental insurance fees features to my billing statements without my agreement and identity theft protection features also without my agreement. This is a violation of the TILA act law adding features to my billing statements without my agreement or consent. On the billing statement XX/XX/XXXX on page 5 of 5 of important notice EFT Error Resolution Notice it states we will investigate your complaint and will correct any error promptly. if we take more than 10 business days to do this, we will credit your account for the amount you think is in error. In this case the total balance is in error this complaint has been in dispute several occasions most recently on XX/XX/XXXX with me and CFPB with no response, therefore its been more than 10 business days and they will have to honor their XX/XX/XXXX billing statement on page 5 of 5 of the EFT Error Resolution Notice statement,
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (PA)

Ditech transferred my home loan to Shellpoint Mortgaging in XX/XX/XXXX. When covid-19 hit in XX/XX/XXXX, I was placed on forbearance which should have stopped late fees and the monthly payments. I read the fine print on the forbearance agreement stating that I would be responsible for FULL payment of my balance upon its completion. Therefore, I continued to pay monthly payments throughout the forbearance period. Starting in XX/XX/XXXX, I began receiving foreclosure mailings via certified and regular mail, I should not have been threatened with foreclosure as I was in forbearance and was paying my mortgage. When contacting customer service, I mentioned that my monthly statements were always incorrect, having late fees that should not have been accrued during forbearance and on average, my payments were indicated as three to four months behind. I was further informed that " The statements are never correct and we can not control the certified and other mailings because they automatically go out. '' Shellpoint is notorious for late reporting on payments, price gouging, and threats of foreclosure. They make it impossible on paper to " catch up '' on your balance and I feel, just want to take your property at all costs. They are insensitive to those being impacted financially by covid-19. My most recent conversation on XX/XX/XXXX, resulted in my review of the current monthly statement ( which stated that I was four payments behind again. ) The customer service representative said, " No, actually this statement is incorrect and you only owe " {$220.00} to be current for XX/XX/XXXX. '' I want to stop the threats of foreclosure as they are not warranted ( I now am in forbearance until XX/XX/XXXX. ) I also want Shellpoint to mail ACCURATE statements monthly, reporting payments in a timely manner, withholding unnecessary late fees, and stop bullying consumers into draining their savings in playing the impossible " catch up '' game. This company has the WORST online rating and someone needs to file a lawsuit for their despicable practices.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

My US Bank Credit Card says it was late XX/XX/2019 both on XXXX and XXXX and XX/XX/2019 in XXXX. 

It was already confirmed by U.S Bank that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

U.S Bank has already acknowledged this error, but the late payment is still showing up on my credit report.
Consumer complaint received 2021-01-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OK)

I had an existing loan from XXXX for my primary residence. It was paid on time but after covid hit and my income dropped drastically i had to refinance for a lower monthly payment. A company called Amerisave contacted me and I liked there options which would save me over XXXX XXXX a month pluss lower my interest. I applied and was approved for a loan to refi this home. We closed on this loan on XX/XX/XXXX with the Notary coming to my house and completing the closing documents for the loan. My XXXX and XXXX Payments were included in the pay off. My insurance was changed from XXXX to Amerisave and my payment book was gave to me with my first payment becoming due in XX/XX/XXXX. Loan documents and payment coupons showed me as the Sole borrower on each form. In XX/XX/XXXX I received a call from XXXX about my late payment and my insurance coverage. I explained I had refinance and pay off would be there in a few days. In XXXX my credit report showed 2 missed payments so I called XXXX they advised funding had not yet been received. I called and called Amerisave each time I got put in a Que then transferred to VM. After a week of calling I received a missed call and VM asking me to contact Amerisave regarding my new loan. I called the direct line i was provided and again went to Que and VM. On XX/XX/XXXX I received an email stating my loan was denied even though we had already closed. Amerisave has caused damage to my credit score, placed me in a major financial hardship with three House payments of over XXXX dollars each plus late fees ( XXXX ) being due on XX/XX/XXXX. I am at a point of not sure I can recover from this and could lose my home i love just because I trusted in my contract of closure from amerisave. I feel I have been a victim of a scam with no one to contact or talk to about this loan
Consumer complaint received 2021-01-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I've sent multiple letters to Equifax asking for an investigation and a copy of my updated credit report. The attached letter dated XX/XX/2020 was sent multiple times because I didn't send certified and could not track it. I didn't receive a response to this letter. I sent the exact same letter again and this one was delivered on XX/XX/2020. I was able to track it since I sent it certified. I have yet to receive an updated credit report or proper investigation. It has been way more than 30 days. I even gave them extra time due to COVID-19.
Consumer complaint received 2021-01-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account.
Consumer complaint received 2021-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (CA)

I went through a divorce where i was to remain unharmed from the credit card listed on the judgement from the court order my ex wife was to remove me but has not done & it has affected my credit score to Acquire a home loan
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

CARES Act was not utilized in terms of reporting because XX/XX/XXXX statement, the automatic draft did not post as it had done consistently since XX/XX/XXXX. The XXXX XXXX statement shows a past due fee adjustment for XXXX $ because I called Capital One and explained that there had been a mix up and a payment arrangement was established due to an oversight. The XXXX XXXX statement shows a XXXX $ payment per the telephone agreement with Capital One but they reissued the late fee that they had adjusted in good faith during the call which seems to be an unfair and unscrupulous business practice. The XXXX statement shows payments made per another phone call with Capital One because I did not understand why I was getting late fees when a payment arrangement had been established and was being followed. The representative said I had to pay XXXX $ to bring the account current, which didn't make any sense, but I paid it on the XXXX after the required payment was already made on the XXXX. Since the account was made current and it is apparent that the oversight happened during a period of reduced hours due to adjusting to COVID precautions, I am requesting that this account be removed from past due status on XXXX, XXXX, and XXXX  or deleted completely due to inaccurate reporting during a world-wide pandemic for credit 's sake.
Consumer complaint received 2021-01-09
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. (AZ)

All 6 student loans accounts on Experian is reporting a total DIFFERENT ACCOUNT NUMBER and BALANCE then TransUnion. XXXX reporting XXXX '' on all 6 Dept Of ED/XXXX Accounts, which is very inconsistent from Transunion Record but also very unorganized and incorrect and not 100 percent accurate which is a violation. The same account on Transunion reporting a different account number of " XXXX " XXXX '' XXXX '' " XXXX '' " XXXX '' " XXXX '' These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure thats all information reported is consistent and most importantly accurate and you have failed to do so. Please Delete this erroneous account immediately.