davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CO)

This complaint is in regard to my account with Hyundai Motor Finance. 
I originally purchased the vehicle brand-new in XX/XX/XXXX. The loan was put in my name and my cosigner 's name. I haven't missed a single payment on the vehicle since I purchased it. 
Later on, my cosigner filed for bankruptcy and the account was flipped to the bank. However, she was able to reverse her bankruptcy in Late XXXX, and the account was flipped back to her and I. 
On my Cosigner 's credit report the vehicle loan was shown as active, open, and current, as has since the bankruptcy was reversed. 
However, my credit report hasn't been accurate at all. 
As you'll see attached, I did write Hyundai Motor Finance back in XX/XX/XXXX to dispute the information on my credit report. 
They started reporting the correct information and my XXXX report has changed and has been accurate since. However, my XXXX  report hasn't changed or been resolved at all. 
I did open a dispute with XXXX in XX/XX/XXXX, where the results stated, " Verified as accurate and updated : the disputed item ( s ) was verified as accurate : however, we updated Rating. For two weeks, XXXX reported the account accurately with no payments missing and open. 
Once XX/XX/XXXX rolled around, XXXX was once again reporting the account as closed with missed payments. I called to dispute and they told me that I needed to call Hyundai, as that's where they get their information. I called Hyundai and they opened up an investigation on their end. On XX/XX/XXXX, according to Hyundai, they sent over to XXXX the correct account information. I have started another dispute with Hyundai on XX/XX/XXXX, but have no results yet.
Consumer complaint received 2022-07-22
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-01-04
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. (VA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated or corrected as soon as possible. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2020 Chase mailed me a letter threatening to close my account as I had not made minimum payments for the past two months. However, during this time, I had large returns ( cancelled trips due to COVID 19 ) which posted to the account and resulted in a credit balance on the account. According to Chase 's automated systems and their website, there was " {$0.00} remaining statement balance '' and " {$0.00} remaining minimum payment due ''. Further, on both statements, the amount subject to interest stated " {$0.00} ''. My account has always been paid in full every single month. 

These refunds were for trips which I had already paid for, in full, several months before. While the cardmember agreement states a minimum payment must be paid, the refunds satisfied the entire balance, so how exactly is a payment due? 

Under the cardmember agreement, refunds/credit balances " If you do not request a refund, we will apply any credit balance to new charges on your account. '' In my opinion, the refund balance satisfied the entire statement balance and minimum payment. Therefore, no minimum payment was due. This is confirmed by Chase 's automated systems. In fact, I relied on Chase 's automated systems, which indicated that the refund had satisfied my entire statement balance and minimum payment.
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/20 I called into Shell Point Mortgage to ask about an property tax refund that was in the escrow account sinceXX/XX/20 ( {$8500.00} ).  They said that they would take care of it and send me a check right away. I hear and see nothing for weeks so go through their chat service on XX/XX/20. They said they had to evaluate the escrow balance and then send the surplus. I get a mail response on XX/XX/20 saying that they will refund me {$7700.00} and that the check was included in the piece of mail. It was not. They included a sample fake check which I can not cash. I send them another message on XX/XX/20 but it's an email since their hours of operation are closed ( no phone, no chat ). On XX/XX/XXXX I receive a letter in the mail saying " due to the complex nature of the matter '' that they request more time to fully respond to my inquiry. The letter was dated on XX/XX/20. Shell Point Mortgage has repetitively put off giving me my money and has held onto it for 2 months. They had it for a month and didn't mention anything to me or send a refund.They said they sent a check and the account says it's gone, but they didn't send a check and instead send a fake sample check. They are avoiding paying me and paying me interest since there is no check and they are hoping I don't notice and they have to send a new check. They are abusing me and my money. NewRez LLC dba Shellpoint Mortgage Servicing XXXX. XXXX  XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX NewRez LLC dba Shellpoint Mortgage Servicing XXXX, TX XXXX XXXX XXXX ID # XXXX I filed a compliant on XX/XX/2020 to get this issue settled. They actually responded within a week and denied me any compensation for my time or interest on my funds. They said a real check was mailed separately and must of been lost ... They offered to send my funds via ACH and I accepted. I provided my information and they acknowledged to me that they sent it on XX/XX/2020. It's been a week and the funds are still not there. They closed my previous case without any communication to me if I they should close or if I received my funds ( which I did not ). 

Shellpoint has shown that they systemically mislead their customers into believing they will get their funds and have a system to deny and delay actually doing so. They have held my $ XXXX dollars for over 3 months and have wasted hours of my time while stealing interest from their customer while claiming they are processing my request but they systematically withhold my funds with each escalation and step.
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

I called LVNV Funding LLC and spoke with someone on XX/XX/2023 about I never gave anybody permission to purchase my debt this is illegal, as Im trying to explain to the representative that I was a victim of identity theft then the customer service representative hung up on me.
Consumer complaint received 2020-08-14
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)

XXXX, Equifax and XXXX deleted this account at beginning of the month then added it back to my account before the month ended. Then turned an inaccurate account to an updated account. It's really destroying my credit report. Please have them remove this print immediately. It's already been over 90 days before account got deleted. So, I would love for it to be deleted within the next 3 days minimal. Thank you
Consumer complaint received 2022-07-22
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00}
Consumer complaint received 2020-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX, XXXX and TransUnion deleted this account at beginning of the month then added it back to my account before the month ended. Then turned an inaccurate account to an updated account. It's really destroying my credit report. Please have them remove this print immediately. It's already been over 90 days before account got deleted. So, I would love for it to be deleted within the next 3 days minimal. Thank you
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Consultants, Inc. (GA)

On XX/XX/2020, I received notification from Professional Recovery consultants, Inc that they were attempting to collect a debt in the  amount of {$2500.00}. 

Professional Recovery Consultants DID NOT provide the following : The name of the creditor That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information If the debt collector doesn't provide this information when it first contacts you, the debt collector is required to send you a written notice including that information within five days of first contacting you. 

To my understanding : Any debt collector who contacts you claiming you owe money on a debt is required by law to tell you certain information about the debt Please note : I have attached a copy of the correspondence sent by Professional Recovery Consultants as  proof of this violation.
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (MN)

I was denied the Target Redcard Credit card, my credit score is above the minimum to apply. With the denial letter they said one of the issues was credit score and then listed a false credit score, length of time accounts have been established ( which is discriminatory based on age ), and that " too few accounts have been paid as agreed '' which I have none that have to be paid off
Consumer complaint received 2020-08-14
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. (OH)

This is not my account, please verification, method of verification and validation of debt. 

I was unaware of this debt and did receive a notice, so I did not have the opportunity to dispute. 

XXXX XXXX # XXXX
Consumer complaint received 2020-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (SC)

On XX/XX/2020 i submitted a complaint to the CFPB reference number XXXX. 

Two items were sold on XXXX totaling {$240.00}. That money was given to PayPal to then disburse to me. Despite PayPal stating that they have released the funds to me in a written statement to the CFPB, nothing has been disbursed. 

I have tried to contact PayPal directly to get this matter resolved, but all I get is computer generated bots who have no idea of what the issue is. 

PayPal has lied to me and lied to the Consumer Finance Protection Bureau in a written statement. 

My question is what are you going to do about it???.
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control (CA)

I received a bill in the amount of {$330.00} from Continental Credit Control and I called XXXX XXXX the representative on my bill. I asked if I could make payment arrangements in the amount of {$50.00} a month and if I did they would agree not to report the bill to the three credit bureaus. She said, yes that this would not hit my credit report if I was making payments to take care of the bill. I made my first payment in XXXX for {$50.00} then XXXX for {$100.00}. I was on time with all payments. I checked my credit report on XX/XX/2020 and the company did report the debt and they reported that I never made any payments. I called the company the next day and tried to speak with XXXX XXXX, she was unavailable. I then spoke to the manager and told him the situation as to why they reported it and why they were reporting no payments were made. He said, that XXXX never told me that she wouldn't report it and that I was lying. I would not have made something like this up. He didn't want to ask his representative why she said and agreed to this with me.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

I sent a dispute letter to XXXX Experian and XXXX  to remove a XXXX XXXX XXXX XXXX XXXX Missouri address because it is inaccurate it is missing an appartment number therefore it is inaccurate and they are doing nothing to help
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

CONVERGENT OUTSOURCING, INC a Collection Agency for XXXX XXXX refuse to remove a PAID collection from my report. 

The debt was not a valid loan and should not be on my credit report. After I paid my account in full, I sent the equipment back. After several months, they sent me a bill for {$60.00} saying some of the equipment was missing. 

I paid this account in full because I didn't wa n't to deal with them. They removed the account fully from XXXX but not from XXXX or XXXX. 

This was not the valid definition of debt and they used my credit report as leverage to pay for equipment I turned in. This is an unfair practice.
Consumer complaint received 2020-08-14
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)

Experian has made no effort to verify my mortgage with XXXX XXXX. I have filed two previous complaints through the CFPB ( XXXX and XXXX ) each with supporting documentation which can be used to verify my mortgage from the lender. Experian refuses to accept these documents, stating they " don't add data to our database from private parties since we would be unable to verify or maintain the data ''. Isn't it Experian 's job to verify the data submitted as a consumer 's proof of a trade line with a lender? Why are they dismissing my documentation instead of reaching out to XXXX XXXX to verify the data?
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (GA)

I RECEIVED THE CORRESPONDENCE FROM DISCOVER LOANS. THERE WERE 2 LETTERS DATED XX/XX/22. I AM REQUESTING COPIES OF THE INITIAL APPLICATION TO DETEREMINE IF THIS SUBMITTED APPLICATION WAS FRAUDULENT SBMITTED. 

PLEASE MAIL TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2020-08-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC (CA)

Hi - I opened an account with American Credit Acceptance in XXXX.I got into a car crash In XX/XX/2020 which totaled my car. This is where everything began to go down hill with the company. 

XX/XX/2020 - Car Crash - reported to ACA car was totaled which was instructed by my car insurance company XXXX. 

- ACA - advised I should contact my gap insurance and warranty company and they would send all documentation to the GAP insurance company on ACAs behalf. ACA advised it would take about 7 business days on their end. 


XX/XX/XXXX - contacted Gap insurance and car insurance they advised they needed to wait on ACA to send over payment history and additional information specific to the car loan. 

XX/XX/XXXX contacted ACA they stated they were still in process of sending over information to GAP XX/XX/XXXX GAP insurance contacted me asking for the information from ACA required to complete the GAP process. Contacted ACA they stated they were still in process. 

XXXX XXXX insurance paid {$24000.00} - XXXX warranty Paid {$800.00} XXXX XXXX ( Gap Insurance ) - {$4700.00} Company did not update the information on my credit bureau which caused my credit to reflect late payments. 

I would like company to reflect accurate payment history. Thank you.
Consumer complaint received 2020-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Andreu, Palma & Andreu, PL (FL)

In late XX/XX/XXXX I was harrased multiple times by a debt collection company who violated numerous florida debt collection laws during there contacts with me. ( I have submitted complaints regarding them to you previously ) In XX/XX/XXXX of XX/XX/XXXX I made an agreement with the company to pay off the debt, an agreement was signed by all parties and a payment was made in full via certified check, as well as a cease and desist order regarding further communications from this company since the debt was settled. 

Yesterday, over a year later I received an email from the same company demanding immediate payment of this same debt, this is harassment and a direct violation of a cease and desist order, as well as an illegal attempt to collect on a settled debt.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

At the end of XX/XX/XXXX, XX/XX/XXXX, I reached out to my lender, XXXX XXXX XXXX XXXX to request a forbearance agreement due to hardship caused by COVID-19. XXXX granted me a 3 month forbearance and assured me that this would not report negatively on my credit. Towards the end of the 3 month agreement, I reached out again to XXXX  to ask for an extension of the agreement as I had decided to sell the house and XXXX agreed to provide me another 3 month extension through the end of XXXX and explained to me that after this extension, if I had not sold the house, we would discuss additional options to help me if we needed them, which I was thankful for. In early XXXX, I received a notice from my credit monitoring service that said XXXX reported me as 90 to 119 days late, which promptly lowered my credit score by 90 points across all three bureaus. I immediately filed a dispute with all 3 agencies explaining that this was not 90 to 119 days late but a forbearance agreement that should NOT report late on credit. I also called XXXX who promptly admitted to me that an error occurred in reporting to the bureaus which they would correct. Essentially, XXXX reported me late accidently. They told me they would process they correction to the bureaus. Today, XX/XX/XXXX, I received a notification from Equifax that they confirmed 90-119 days late on my mortgage and my credit report remains negative 90 points from where it was. I called XXXX and they told me that they made the correction on XX/XX/XXXX and they considered the matter closed. When I told them that Equifax was still reporting me late, they told me to take it up with Equifax or call a credit repair agency, which makes no sense since I am not trying to repair my credit, I am trying to get a reporting error resolved. I did call Equifax and they told me that indeed they were still seeing 90-119 days late being reported by my lender and that they had not received any correction from them. they told me to dispute this again, which I have done again. I do not why this is continuing to happen. I have been proactive in trying to sell my house and protect my credit by asking for help, and although I was granted the forbearance, which I greatly appreciate, my credit report is now reflecting an erroneous status that greatly impacts my future credit worthiness and no one is willing to resolve it. I need someone to step in and actively help me.