davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

This complaint addresses the calculation of interest charges that NewRez, LLC, has imposed upon the unpaid principal balance of my home mortgage loan ( NewRez Loan No. XXXX ) since XX/XX/XXXX. As a prelude to the information I am providing herein, please be advised that I filed a prior complaint ( ID No. XXXX ) with the Consumer Financial Protection Bureau for interest charges that were errantly applied to my account between XX/XX/XXXX, when NewRez began servicing my home mortgage loan, and XX/XX/XXXX. This prior complaint was satisfactorily resolved and documented in a letter NewRez sent to me, dated XX/XX/XXXX. NewRez included a Loan History Statement with that letter, stating that my unpaid principal balance, as of XX/XX/XXXX, was {$10000.00}, which was consistent with my own calculations. 

Since XX/XX/XXXX, I have made regular monthly ACH principal plus interest payments of {$670.00} on the XXXX day of each month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Additionally, I have made principal only payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX payments ), XX/XX/XXXX, and XX/XX/XXXX. With the exception of one of the two payments made on XX/XX/XXXX, all of these principal only payments were in the amount of {$670.00}. The other principal only payment made on XX/XX/XXXX, was for {$670.00}. NewRez imposed an interest charge of {$35.00} on one of the XX/XX/XXXX, principal only payments. It is my understanding, as I stated in my prior complaint, that the terms of my loan allow NewRez to impose interest charges only at the time of my regular monthly payment ( ACH transaction about the XXXX of each month ) based upon the outstanding principal amount at the end of the prior month. As a cumulative consequence of NewRez imposing interest on one of my XX/XX/XXXX, payments, I believe that my account has been overcharged {$35.00} of interest since XX/XX/XXXX. I am attaching spreadsheet calculations substantiating my contention. My spreadsheet calculates a current unpaid principal amount of {$350.00}. I am also attaching printouts of my online NewRez payment history after XX/XX/XXXX, showing a current unpaid principal amount, as of XX/XX/XXXX, of {$380.00}. 

I have attempted, unsuccessfully, to resolve this matter over the telephone with NewRez customer service representatives. During my most recent telephone conversation, on XX/XX/XXXX, the NewRez customer service representative erroneously advised me that the interest imposed on my XX/XX/XXXX, regular principal plus interest payment was based upon my principal balance as of XX/XX/XXXX, instead of XX/XX/XXXX, which I recognized as being patently incorrect.
Consumer complaint received 2021-10-25
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: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

Reference complaint XXXX Synchrony bank closed three credit cards-JCPenney, HSN and QVC on the same date I accidently made an overpayment and their customer service told me that anytime they received an overpayment that Synchrony shut down any credit cards that the customer had. 
The letters they sent me, and I assue they sent to the credit bureau said my payment history indicated a risk of failure to pay. This is an untrue statement and I want a new notification that states the true reason for closure because there is NOTHING in my payment history that shows any kind of risk of failure to pay-this is a LIE!! 

My credit should not be judged on a false statement given by Synchrony. The answer to the original complaing is ambiguous-thay say it might not be for that reason that the account was closed! So state the real reason or reopen the accounts! 
Also, in answering the originl complaint, they sent an email with a name and phone number to call to discuss. I called at least 12 different times and left messages but no one called me back-the response said this woman tried to call me one time and didnt get an answer-she left no message so we could connect and discuss. They purposely sent out contact information with no intention of actually talking to me. I want a letter from Synchrony that does NOT say " Risk of failure to pay '' because that is untrue and a slanderous statement that they are communcating to the credit bureau and I am being judged unfairly. Tell the truth Synchrony and cease and desist sending false info to the credit bureau! Correct the closing reason or reopen the accounts! Correct the information you sent to the credit bureau.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Credit bureaus continue to report incorrect debt to income even though a number of loans have been paid off or down. Furthermore other third party credit bureaus use their incorrect information to report to lenders and others incorrectly. In my opinion a sham system. Creating denial of credit. Off shore staff maintains access to my personal data ... fact by their own admission and one they never address XXXX does the so called CF PROTECTION bureau. Debt to income much lower!!
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I was contacted by a scammer impersonating as my electric company. He said if I didn't pay {$280.00} within 30 minutes my electricity would be turned off. I was in a panic because I was working from home and couldn't get my electric turned off. My choices were to either pay using ZELLE app or go into the office and pay, but they would charge me an extra {$130.00} if I went in to the office since they already sent the technician out to turn off my electricity. He sounded very official and even said up front we will never collect your personal or banking information right at the beginning. But after I paid he told me the payment did not go through and I needed to resubmit the payment. That is when I knew something was wrong because I already received a confirmation email that my payment was sent. So, I told him I would call him back. Of course, the number was a fake. I called my bank immediately. They told me they could not do anything and I had to contact ZELLE. ZELLE basically told me too bad, nothing they can do and I should contact my bank. Both parties pushing responsibility on each other. When I asked ZELLE if I could have the financial institution 's name so I could report it myself, they told me they could not give me that information. I spoke to one representative and two supervisors and not one offered any help or resolution at all. They wouldn't even allow me to file a dispute.
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (IL)

On XX/XX/20I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-25
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)

Each bureau is responsible for ensuring that they are accurately reporting info on my credit report. Ive reached out to equifax previously and informed them that the account from child support doesnt belong to me. I even sent a letter to the address equifax is reporting is not EVEN FOR CHILDSUPPORT ITS FOR AN AGRICULTURAL COMPANY in XXXX. So anytime equifax has said theyve verified information as account theyve clearly been lying because the contact info equifax has for me to reach out is WRONG!!! Ive attached a copy of my credit report along with they letter I sent out to child support trying to get this removed from my credit because equifax is reporting inaccurate info Ive also attached a copy of my Id and social and any other info so that equifax doesnt lie and say they cant find me in systems
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I am writing to seek your assistance regarding a matter of identity theft that has had a significant and detrimental impact on my credit health. A credit card was fraudulently opened in my name with XXXX XXXX, leading to a charge-off amount of {$13000.00}. This incident has resulted in an unwarranted 100-point drop in my credit score, unfairly penalizing me for circumstances beyond my control. Despite my efforts to resolve this issue, including filing a police report, an identity theft report with the Federal Trade Commission ( FTC ), contacting the involved bank, and disputing the fraudulent account with the credit bureaus, my case has not been resolved. The credit bureaus have refused to conduct an investigation or remove the fraudulent account on my credit reports. This refusal to act not only exacerbates the injustice of the situation but also leaves me, the victim of identity theft, to suffer the financial consequences.
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NC)

Convergent sent a notice of collection for debt with XXXX XXXX XXXX XXXX for over XXXX in which I have never done business with. I asked them for an original contract with my signature and they could not produce any documents. I asked them to provide any evidence showing amounts service etc. they did not provide. This company is illegally targeting and trying to collect debts not owed. I have also contacted the CFPB and an attorney to resolve this debt scam immediately. They are aggressive attempting to collect on the debt that is not mine in first place. I contacted Them as soon as I saw this collection on my credit report. They could NOT find any negative accounts in my name.. I still have my phone active and in current status with them I disputed this collection with convergent, the dispute was within 30 days of them notifying me and posting this collection on my credit report. Per Fair collections practices act I disputed this account within statutes of limitations and they should have removed it form my credit report immediately, but they ignored all of my letters and keep aggressively calling me on my cell, house, work and now at my parents house this is outrageous and should not be allowed. please help me stop these calls. I am also filing an official complaint with FTC I spoke with a representative who took all the information and I have sent all supporting documentation and recorded phone calls with threats and harrasments and their agents acting as law inforcement!!! Please cease and desist unverified collection account. And delete all false information immediately.
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: One Source Technology (TX)

Company " One Source Technology, LLC '' dba " Asurint '' ( Asurint ) requested payment on " one-time fee '' that did not materialize services to Client. Client was informed by Asurint to pay fee using an email online form or Asurint 's legal team would file a claim against Client. Client responded with completed authorization form within due time. Asurint did not process the payment. Rather, after 1 month of not responding, Asurint filed a claim from their legal team to collect more funds.
Consumer complaint received 2021-10-25
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. (FL)

This is regarding a letter I sent XX/XX/28 certified receipt # XXXX. Pertaining to XXXX accountXXXX. I informed Experian that this account was illegally reported on my report and that I disputed XXXX and never got a reply. I disputed it with Experian and I received a response that the account was updated when it shouldve been deleted. All other bureaus have removed except Experian Im asking for removal of account and Ive attached copy of letter I sent to Experian along with their response
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NJ)

during Covid from last year, the gym membership was closed as a state law mandated the members were not obligated to make payment .XXXX XXXX charged me even the gym was closed and sent me to collection .They also have a duplicate collection under my name, the one does not belong to me .I am requesting the credit bureaus to verify the inaccuracies and delete them.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I received a letters in the mail from the banks RBFCU and XXXX XXXX. I received both of them XX/XX/XXXX. RBFCU is a bank that I have never used and it was telling me that I opened an account under my name and even sent me a card. And when I tried to go and close it because I needed a police report. And when I got the report from the police they just told me that they will send it to the fraud but I have yet to hear from them. On the other hand, XXXX XXXX also sent me a letter as well but that letter said that someone tried opening an account but were unsuccessful due to not enough information. And I believe the reason for all of this is because they broke in to our neighborhood mailboxes and stole mine and other peoples mails.
Consumer complaint received 2021-10-25
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. (VA)

My cousin had stolen my credit card and left me responsisle for the balances and for the damage done on cards history. Because of thhis, one of my cards charged off and the other card showed deenquent past due payments which XXXX  XXXX said they would correct. i have pressed ful charges against my cousin but since he has moved out of the country it is difficult to bring him here for face charges.
Consumer complaint received 2021-10-25
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX  ( Original Creditor : XXXX ) XXXXBalance {$1200.00} XXXX  XXXX XXXX  XXXXBalance {$6500.00} XXXX  XXXX XXXX  XXXXBalance {$540.00} XXXXBalance {$0.00} XXXX XXXXBalance {$540.00} XXXX  XXXXBalance {$870.00}
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: A&D Mortgage LLC (FL)

A & D Mortgage LLC has been reporting XXXX of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which A & D Mortage sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit reports.
Consumer complaint received 2021-10-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

Equifax denial to dispute the multiple unauthorized hard inquiries, which I believe violates my privacy by the unauthorized release of my credit reports.
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXXdata breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I spoke with the company that was handling the Synchrony Bank Toys R US credit card and agreed on a one time settlement. I received the settlement offer letter on XX/XX/2020. The settlement was for {$360.00}. I paid that agreed settlement on XX/XX/2020. The company has still not updated my credit report that it has been paid. I am still getting calls from other companies that they have sold it to. I have called Synchrony Bank multiple times and they have still not resolved it. I have paid the agreement in full and would like my credit report to be reflected correctly.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NY)

I have a Chase Business XXXX XXXX  card. On XX/XX/XXXX, two charges from XXXX showed up on my credit card in the amounts of {$250.00}. The two charges were for identical amounts and on the same date. I had not booked any flights with XXXX so I called Chase to dispute the charges. I also informed XXXX that I did not book any flights. XXXX did not issue a refund. Chase, however, reversed the charges on my XXXX statement and I received credits for those amounts and I thought I no longer would have to be liable for these charges, since I did not book these flights. Unfortunately, on my XXXX statement, they added the charges back to my credit card. I called again on XX/XX/XXXX to dispute the charges and ask why the charges were put back on my credit card. The agent on the phone asked me to send a screenshot of the flights I took with XXXX. I told her that the last flight I took or booked on XXXX was from XX/XX/XXXX. I sent a screenshot of this and sent it as proof to XXXX on XX/XX/XXXX at XXXX XXXX  XXXX. On XX/XX/XXXX, Chase sent me a letter stating that they still will not reverse these charges, despite the fact that I provided proof that I did not take any flights with XXXX after XX/XX/XXXX, which is when the charges appeared on my Chase card.
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (TX)

Receivables Performance at XXXX XXXX XXXX XXXX # XXXX XXXX, Wa XXXX has been sending me collection notice in the amount of {$1000.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2019-09-23
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. (IL)

I called my realtor to apply for a new place to live. When they ran my credit, I was told that there were several Items that would prevent me from being able to be approved. When I saw what was on my report I was very shocked and upset. There are several things on my report that don't belong to me. As a result, I contacted the local police and FTC. XXXX XXXX, XXXX XXXX.