davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PR)

On XX/XX/XXXX a company called I.C. SYSTEM, INC Report to my XXXX credit report a debt collection for XXXX mobility of {$1800.00}. On XX/XX/XXXX the same amount of {$1800.00} was reported to my credit report as a collection account by a company called XXXX XXXX XXXX. The original creator was XXXX XXXX. Complaint number XXXX. On XX/XX/XXXX another company call me with intimidation and yelling me to pay the debt. This is a fraud I don't have any account with XXXX. I want to stop this, every time I resolve the issue appears a new company with the same issue and they just report the debt to my credit and affect my credit score. I been fighting with this for 4 years. I blocked my credit a year ago trying to stop this.
Consumer complaint received 2024-08-23
Product: Credit reporting 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

Hello I'm a victim of Identity theft my information has been compromised when XXXX had the data breach my information was exposed I've tried repairing my credit about 3 times since the data breach took place and to no avail someone manages to get a hold of my information opening up credit cards in my name, I was told to freeze my account however once I unfreeze it my information is exposed again. I have a debt collection agency by the name of Jefferson capitol systems LLC trying to sue me for {$4400.00} opened XX/XX/XXXX I've never done business with these people ; XXXX XXXX is also saying I owe {$2000.00} for a credit card I've never had or used, XXXX XXXX XXXX {$410.00} opened XX/XX/XXXX I don't know this creditor, XXXX XXXX {$1000.00} Opened XX/XX/XXXX I don't know this creditor, XXXX XXXX {$3400.00} XX/XX/XXXX I don't know this creditor. These collections that have been identified on my account are hurting my credit score severely. I haven't spoken to any of these agencies as of yet except for Jefferson capital because they are trying to sue me for something that I didn't partake in. I do plan on disputing these collections on my credit report.

This is very draining and time consuming and it's giving me XXXX  constantly dealing with this day in and day out trying to repair my life from identity theft
Consumer complaint received 2024-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (VA)

We had an insurance claim as where XXXX sent the first check on XX/XX/XXXX and then another about a month later. Shell Point Servicing never contacted me or disbursed the funds. My insurance carrier ( XXXX ) and the contractors, XXXX XXXX XXXX XXXX XXXX XXXX, and Window World have all been calling to collect their money. 
Every time we call in they keep asking for additional information that was already sent. I have sent XXXX emails directly to the Protor who is : XXXX XXXX Loss Draft Associate o : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And I have sent many email to the mail email ( XXXX ) sending them documentation from the contractors over and over again. 

Shell Point refuses to release funds for an unknown reason and they will not contact any of us back. 

This has been going on since XXXX of this year ( XXXX  ) and still no resolution. 

Please help us recover the funds that do not belong to them. They are exhibiting fraudulent activities by keeping the insurance carrier money.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

To Whom It May Concern : RE : Refund of cancelled flight tickets purchased on XXXX XXXX- I made a flight reservation was for a refundable XXXX  round trip tickets which was purchased originally for USD {$1400.00} on XX/XX/XXXX. 
XXXX - This reservation was eventually canceled on XX/XX/XXXX and per XXXX emails attached below I was supposed to receive a refund within 30 days as per XXXX  ( see attached ). 
XXXX - However, even after 60 days, neither have I received any refund and neither can I get any response from the merchant. Therefore, I requested that the funds of {$1400.00} be refunded to my Citi MasterCard ending XXXX forthwith. Citi Business Customer Service also issued a temporary credit to my account during the investigation. 
XXXX - Citi Business Customer Service reversed the credit based on misleading information initially provided by the merchant XXXX and failed to communicate with me prior to reversing the temporary credit. They completely failed to review the incorrect documents sent to them by XXXX. Citi cancelled my dispute against me based on information provided for a completely unrelated transaction XXXX - I promptly called Citi and they stated that they will reopen the case and asked me to fax the supporting documents and promised me a resolution within XXXX business days. This is not true whatsoever. 
XXXX - I received another letter from Citi stating they the merchant XXXX has refused to issue a credit and that they can not do anything and reversed my temporary credit one more time. 
XXXX - At this point I am helpless and can not do anything because neither XXXX nor Citi Business Customer Service have refused to help me or assist me in this matter. 
I have cancelled the reservation on-time and did not use any of the services whatsoever. 
Therefore, I humbly seek your assistance in recovering my funds in the amount of USD {$1400.00} plus applicable daily accrued interest per prime rate for the unscrupulous delay. 
Yours truly, XXXX XXXX XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

According to the IRS an unpaid charge off is income and according to the FCRA income can NOT be reported on a consumer 's report. In addition I am experiencing financial hardship and unable to obtain a loan or housing due to the deragotary marks on my credit report and ask that the information be corrected. In addition according to the FCRA information reported has to be accurate this is not my first time saying this so I will be providing proof with screenshots of my report. Clearly the dates don't match so any inaccurate informaton needs to be deleted NOT updated once the company becomes aware of its mistakes.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There are XXXX accounts on my consumer report that have been cancelled and XXXX. According to the IRS, these accounts are now considered income. Income is not to be reported on the consumer report. Please remove immediately. 
The copy b 's of the 1099-C are attached. 

The accounts are : XXXX ( XXXX ) and XXXX ( XXXX ) Again please remove immediately!
Consumer complaint received 2024-06-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: SoLo Funds Inc. (NC)

My name is XXXX XXXX. My user ID with Solo Funds is XXXX. First of all I have been a borrowing customer with Solo Funds since XXXX, and I have never had an issue with them until now. I applied for a loan on XX/XX/XXXX and due to the company having many issues with their app I was never able to receive the {$570.00} I borrowed. I was also leaving the lender a tip in the amount of {$45.00} so my total repayment would be {$620.00}. When I was receiving error messages that prevented me from getting access to the money I immediately notified the company about the problem on XX/XX/XXXX. They have been updating the app for weeks prior to this day and were suppose to be resolving their issues with their app. I had two weeks to repay the loan but still unable to get the money I kept contacting the company and I was told on XX/XX/XXXX it would be cancelled and I would not be responsible for any fees. I did keep up with this loan being cancelled off of my account and still made many attempts to reach out to customer service about still having issues. I contacted them on XX/XX/XXXX as well. I kept being reassured the same thing over and over again until the loan became due. Then the flood of calls and e-mails started that I was delinquent on repaying I responded with the fact that I never received the money and provided screenshots for proof of the issue to customer service multiple times way before my XX/XX/XXXX due date, and I did the same after the due date as well. I have been reassured many times that the issue has been escalated to the engineering department, and I am not going to be responsible for the loan it would be cancelled. Now the company is charging me late fees as well. The amount for paying back the loan is now at {$680.00} and still getting emails and phone calls about paying this money back. I feel as a loyal and responsible customer this company has failed to continue to provide me with great service and failed to do what was told to me time and time again since the day the issue started. I reached out one last time and received a response 4 days ago with the same reassurance!
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TomoCredit Inc. (TX)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Continental Finance Company, LLC (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and XXXX XXXX, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( JPMCB XXXX XXXX XXXXXXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (MA)

The company offered me a 30 % discount and payment options. They confirmed they received my letter and the and state they have reviewed and verified the information listed on the account. 
On re aged debt and debt I attempted to pay with the creditor myself and they did not want my payment. After they re aged debt from XXXX tacked it onto my new account and closed my account and didnt want accept payments from me anymore and added the wrong amount I owed. Im still not sure why the account was closed but the debt owed is incorrect and this is insane im just trying to access my portion of credit and if something being removed thats positive or something thats incorrect is being added like this is a crime to make me look so unworthy Account info Account name Account number Original creditor Company sold Account type Date opened Status Status updated $ Payment history 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

I was emailed a promotional offer from US Bank to establish an Extend Pay option on my purchases with my XXXX Credit Card. I meet the parameters of the promotion but when I attempt to initiate the Extend Pay feature online, it rejects me as it claims I do not have a valid email address which is false as I received the offer through email in the first place. I have called the card service reps and they have submitted a ticket for their IT department but I have not heard back from them. As of today I am still trying to establish the Extend Pay feature on my purchases but I still receive the same error message.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

I was trying to inquire on a credit card debt. Agents in general departments acted normally and routed my call to the XXXX Department. I called CitiBank at XXXX XX/XX/23. 

I recorded the phone call as she became rude. 

This agent became hostile when I indicated I had difficulty hearing her, though I was patient and calm. Her hostility continued, and she had difficulty looking up my accounts with the bank. She denied to provide me any information regarding one of my card debts, she cut me off during speaking, and she threatened to disconnect the call. 

I asked her to disclose her name, but she refused ( I believe this is a requirement in the banking industry ). 

She then became silent for 30 seconds, then spoke to me again saying goodbye and transferred my call to a Spanish-speaking automated system. ( It seems like she was not allowed to disconnect the call, had tried to convince me to hang up, and then abused a call transfer system. Most concerning is that she would not self-identify after her unprovoked rudeness. )
Consumer complaint received 2024-06-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc. (TX)

Dear Sir/Madam, I am writing to report a concerning issue with a debt collection notice I received from Synerprise Consulting Services , Inc . The notice, associated with my account number XXXX, claims a service date of XX/XX/2023, and demands payment of {$10000.00}. 

This charge appears to be fraudulent, as I did not receive or request any services on the mentioned date. Moreover, I have never received any prior bill or notice corresponding to such an amount or service. 

Despite my attempts to resolve this directly with Synerprise Consulting Services , Inc., I am not confident that this matter will be adequately addressed. The significant discrepancy and the amount involved suggest that this could potentially be a scam targeting consumers. 

I am willing to pay the original remaining balance of {$69.00}, which I acknowledge as due. However, I seek the assistance of your office in investigating this issue and ensuring that such fraudulent activities are curtailed. 

I have attached copies of the statement and my correspondence with Synerprise Consulting Services , Inc. for your reference. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Consumer complaint received 2019-04-05
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: REPUBLIC MORTGAGE HOME LOANS, LLC (MS)

Trying to get my credit report accurate and remove legally items, that have been removed and placed back on my credit. If tis doesnt work I will hire someone to do so immediately
Consumer complaint received 2023-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I have now been on the phone with Mohela 4 times and have sent XXXX online messages to Mohela since XXXX to try to remedy this situation, with no response, conflicting information, and an incorrect payment calculation. 

On XX/XX/23, I spoke with someone who processed my standard payment plan request for {$160.00} and assured me that being on the standard plan was best for me for the few months I need to qualify for XXXX. After XXXX months, Mohela then incorrectly calculated my payment amount to be {$270.00}. 

On XX/XX/23, I spoke with someone again, who assured me that Mohela had made an incorrect calculation and re-processed my application for a standard repayment plan. This person also assured me that the standard plan would qualify me for XXXX because I only have a few months left to go. I was told, and have documentation from Mohela in messages that my payment amount would be {$160.00}. This has been processing since XXXX with no change. 

I spoke with someone today ( XX/XX/23 ) and requested to be placed on emergency or administrative forbearance ( XXXX interest accrual, qualifying for XXXX ) until Mohela can calculate my payment correctly. I was told that she could only place me on a XXXX XXXX, which does not qualify for XXXX. She told me that the standard plan doesn't qualify me for XXXX and tried to pressure me into applying for an XXXX  plan. I told her I was told by XXXX other Mohela representatives and supervisors that the standard plan would qualify me for XXXX since I only have a few months left to go. She told me that I was given wrong information. I told her I have no idea who to trust, since Mohela gave me conflicting information, which literally occurs every time I call. 

I insist that my account be placed on ADMINISTRATIVE FORBEARANCE with XXXX interest accrual and which will qualify me for these months where I would have been paying if Mohela had only calculated my payment amount correctly in XXXX, when I originally applied for the standard plan. Please assist me ASAP and place my account on ADMINISTRATIVE FORBEARANCE until my payment amount is correct. Thank you.
Consumer complaint received 2024-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc. (NJ)

I am writing because I checked my credit report recently and notice a company I have never heard of reporting a collection for over {$12000.00}. I did some research and this company does not even have a license to collect in NJ nor do they have a contract signed by me regarding this account. I demand they review my attached cease and desist and delete this account
Consumer complaint received 2024-06-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (AR)

I have called NewRez LLC multiple times over a miltiple year period to discuss taxes and them not paying our taxes to the county. They've told us they would research it on many occasions. Once in XX/XX/XXXX with my wife, and just recently on XX/XX/XXXX. They informed me the research would take a week, however their system gives me a due date of this XXXX, after my delinquent tax bill gets sent to the state and my house gets put up for auction. This company has negligently handled the property taxes on this property, and have not made disbursements as necessary. My tax bill is {$8000.00} behind, when I am in escrow and have never even been a day late on payment.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

According to USC 15 1681s-2 : A person s shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, according to USC 15 1681 and USC 15 1681B-1 : I have a right to privacy ans the credit bureaus do not have written permission. 
My Equifax report has been violated by Equifax as well as XXXXXXXX XXXX XXXX.