davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$91.00}. Please remove.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens bank credit card management controls dont exist in the banking application. Your credit card management is only available online at another location and its not made clear anywhere how payments and auto pay are managed. When using Citizens banking application your credit account settings are completely opaque and the only way to make payments is by transfer of funds between accounts. When you use this method no previous payment arrangements are visible and the application will initiate contradictory instructions without a warning, thereby generating fees that should have been avoided.
Consumer complaint received 2021-03-18
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. (NJ)

XXXX XXXX is in violation of Title 15 1681 Section 2 8E ( 3 ) for failure to respond to my dispute on the Alleged Charged off Account XXXXwhich accused them of furnishing inaccurate data on my credit report. They are also in violation of Title 15 1681-S2-1 ( B ) for reporting information after notice and confirmation of errors My dispute was received by this company on XX/XX/2021 I am yet to receive a response from them, yet this alleged charged off item is still on my credit report.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am filing a complaint against The credit bureaus as well as the creditor for inaccurate and unjust reporting. This 3 years has been this company XXXX COMMUNITIES WITH THE COMPLEX NAME XXXX XXXX REPORTING INACCURATE INFORMATION TO THE CREDIT BUREAUS AND REPORTING DIFFERENTLY TO THE COURTS. I REACHED OUT TO HAVE THIS DEBT REMOVED BECAUSE THE CREDITOR CANT PROVIDE DOCUMENTATION OF THIS DEBT SO IT SHOULD BE REMOVED. I reached out to the creditor to find put how it was investigated and what was provided to show accuracy and they couldnt provide any information nor would they remove it so Im complaining on both companies
Consumer complaint received 2021-03-18
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. (GA)

I am filing a complaint against The credit bureaus as well as the creditor for inaccurate and unjust reporting. This 3 years has been this company XXXX XXXX WITH THE COMPLEX NAME XXXX XXXX REPORTING INACCURATE INFORMATION TO THE CREDIT BUREAUS AND REPORTING DIFFERENTLY TO THE COURTS. I REACHED OUT TO HAVE THIS DEBT REMOVED BECAUSE THE CREDITOR CANT PROVIDE DOCUMENTATION OF THIS DEBT SO IT SHOULD BE REMOVED. I reached out to the creditor to find put how it was investigated and what was provided to show accuracy and they couldnt provide any information nor would they remove it so Im complaining on both companies
Consumer complaint received 2021-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Over the past 1.5 years I have attempted to get information about the debt Im accused of owing. J have requested a detailed breakdown of all Charges on this account. I received a response with only a amount owed without any type of clarification of charges. Only a bill! This is not right and they are still not removing it off my credit report. How can they do this without proof of purchases and/ or charges? Also when I received the information on account it was late by at least 15 days. Now they are calling me? Weekly /daily. Why are they doing this to me? I just want to get the statements of all purchases I supposedly charged. And the authorization to do so? Give me something to work with for XXXX  sake!
Consumer complaint received 2021-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CO)

Equifax has been placing negative items on my credit report and it's making my score go down. I've tried contacting them to let them know that those negative items are not mine and they refuse to remove them. I was denied a house loan because Equifax is reporting false late payments from these accounts that are not mine. I called both companies which are XXXX XXXX and XXXX XXXX to find out more information about these false credit lines and neither company can find me in their system. I've informed Equifax and still, they have refused to remove them. I asked them if they sent the dispute to both companies and a gentleman told me that they had sent out a dispute on XX/XX/2021. I called both companies to verify if what the gentleman told me was true, unfortunately both representatives from both world and security finance told me that information was incorrect. I called back on XX/XX/XXXX, XXXX and XXXX and still neither company had received a dispute from Equifax. I want more information on seeking legal reparations from Equifax for the harm they have caused me.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My problem is with NEWREZ LLC NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX They have bought my current mortgage from bankrupt Ditech and are now the servicers of this loan. However, they only carry a mortgage history from XXXX via one department and history from XXXX from another department, so I am having problems getting information about the total balance on my principal. 

My original loan and payments started back in XXXX, so NewRez has no payment history from that date onward. I can not see if they are not crediting me with payments in those missing years, since the principal balance has actually gone up from {$210000.00} to {$290000.00}. I have been asking them over and over why has my balance gone up, and they can not answer or refuse to answer this question. 

Instead, they send me a summary of payments with loan amounts, fees, and other amounts that are either added to my balance or are just listed, I can't tell which. I am unable to speak directly with them, only to Customer Service or Loss Mitigation employees who do not know the reason for the fees or additional principal. 

NewRez has been very good in certain areas with at least trying to answer my questions in the Customer Service area, but they are limited in what they can do or say. They do not know why certain items are on my history and can not tell me if those items are added to my principal balance.
Consumer complaint received 2023-10-03
Product: Credit 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: AMERICAN EXPRESS COMPANY (NH)

I was involved in a fraud scam. The fraudster used my American Express account to purchase items totaling {$10000.00}. I never gave my card or card number to the fraudster. They represented themselves as being from American Express and were checking on fraudulent purchases that they made. They were very professional. I then got a letter from American Express, saying they recognized the suspicious activity. They proceeded to conduct an investigation. I received a letter ( XXXX ) saying the investigation was completed and charges would be credited to my account. The credits were made, but then reversed at a later date. When I questioned why the charges were now my responsibility, they said I gave the merchant my information willfully ( which I did not ) and they were holding me responsible. ( attached letter XX/XX/23. 

I have included all correspondence between AMEX and me. The correspondence describes the sequence of events regarding the fraud and my communications with AMEX. I have never done business with the merchants involved and AMEX has not given me proof that the merchant verified my identity at the time of purchases
Consumer complaint received 2022-01-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

The XXXX forbearance period ended for my home equity loan at the beginning of XX/XX/2021. However, the maturity date on my loan is, or was XX/XX/2021. I have been told by NationStar bank the balance is due in full on the maturity date. I have argued that the maturity date should be shifted according to the forbearance period, but they have refused to make accommodations, and insist that I pay the total amount due in a lump sum. 
If I had been aware that this would happen, I never would have put the loan into forbearance since it has created a greater economic hardship than making the monthly payments in the first place. If this is according to the letter of the law, it is not in the spirit of the law. I believe the bank also received federal assistance during the forbearance period, and they should be able to change the maturity date or setup an alternate payment plan.
Consumer complaint received 2021-03-18
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: BARCLAYS BANK DELAWARE (NY)

I closed my Barclay bank credit card in XXXX because of financial issues due to hurricane XXXX. ( I wasn't able to make the minimum payments at that time ) They sent the bill to XXXX XXXX collections and I paid the collections account. Barclay now says I owe over XXXX $ and reported to all 3 credit bureaus that I am late since XX/XX/XXXX when they stopped reporting in XXXX and the account was closed. I filed a dispute to get that off my credit reports with the receipt of payment from XXXX funding and Barclay won't stop. I paid {$1300.00} to XXXX funding on behalf of Barclay and they won't stop making false claims, this is hindering me getting a better job. I keep disputing it and Barclay reports I owe more money on my credit report. I don't have any other recourse then to file a complaint with the CFPB. I have the receipt that shows I paid what was agreed upon over 3 years ago now. The account has been closed since XXXX. I would like to file a formal complaint under FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) - 807. False or misleading representations and 809. Validation of debts.
Consumer complaint received 2021-03-18
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2020, I made a purchase from " XXXX ''. The company 's website clearly indicated that the item would be shipped within 5 days. However, I reached out for a status update on XX/XX/XXXX, via email and XXXX ( per website contact method ) and by email again, on the XXXX, but never received a return response. 

Also, the product that I received, appeared to have been used. Upon arrival, all four corners of the box were mashed in and deeply scratched beyond the surface and deep scarring appeared along the edges of the box as well. There were multiple layers of packaging tape, that had turned yellow, which indicates age & that the box had possibly been re-sealed due to multiple returns. I understand that mild damage is to be expected during shipping but the type of damage described is indicative of extensive wear & tear, over a period of time, not from a one time transaction. The item that I purchased was for an inflatable life raft. So, for obvious reasons, I am not comfortable in accepting a second hand product in which safety checks have not been conducted, directly by the manufacturer, resulting in potentially fatal consequences for myself and my family. 

I tried twice, to resolve this issue with my credit card company by submitting complete and detailed documentation to support the dispute that I'd filed. The merchant responded to the dispute by forwarding a copy of the transaction and other random, meaningless pages that did not address the issues of my complaint. Afterwards, I received a letter from my credit card company stating that I did not furnish sufficient information to support my dispute, therefore, my case was being closed and I was advised to circle back to the merchant for further resolution.
Consumer complaint received 2023-10-17
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Braviant Holdings, LLC (KS)

XXXX XXXX XXXX sent my sister a text message stating that my payment didn't go through. I had to block them from my bank because they kept trying to charge XXXX even after I told them not to. They sent a text to her at XXXX on XXXX. She is not listed anywhere on my account.
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

I wrote a letter for debt verification to Transworld Systems Inc. and they wrote me back stating I had a XXXX balance. They also attached a Statement of Account from 2015 showing a zero balance. Where is the contract with my signature on it? Transworld did not provide this information because they don't have it because I do not owe this debt! This frivolous claim is effecting my credit. If they can not provide a contract with my signature on it, then I want this frivoulous claim removed immediately from the three major credit reports, XXXX, XXXX and XXXX immediately. This debt has not been verified.
Consumer complaint received 2022-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc. (CA)

I got rebilled from XXXX for something I was told to throw away or donate because of covid, I have called them several times and have gotten disconnected after being on hold forever, cant get through and my email was never responded to. 
This nightmare began when my daughter received a Visa gift card and since shes a minor she used my XXXX account to purchase boots from them. She purchased them and used a {$10.00} note ( a credit ) ending inXXXX which brought the total to {$22.00} and the original transaction was on XX/XX/20. She received the boots and they were clearly used and one even had a sole insert in it. I was so mad that they would send something like that during covid. I called XXXX customer service for my daughter, mind you she is a minor and I remember for holding for a lil over 2 hrs and was told to donate them or thrown them away. We did, then I get billed again and never received a credit so it made no sense. XXXX customer service is horrible you can not get through and I am not willing to be on hold hold for a ridiculous amount of time anymore. I emailed them and they dont correspond. They are harassing me at this point because the gift card company did pay them off on XX/XX/20 and to top it off they charged the full amount not taking the credit for the {$10.00} note, they were paid {$32.00} and should not have been paid. Then I got billed from from Sentry Credit , Inc. Ive emailed them several times since I got the later and sent them all this attached also but Ive gotten to response. Please help me get a response and this settled. I pay my bills and I dont need this ruining my credit. I think covid just messed things up for everyone hopefully its a misunderstanding from covid and they get this resolved.
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (VA)

On XX/XX/2021 at XXXX XXXX  I used the XXXX XXXX XXXX to purchase the cryptocurrency STORJ at a rate of {$94.00} for XXXX STORJ. My buy order has been " pending : :ever since meaning I have not received the STORJ nor have I had my money returned. Typically this process takes a few seconds, yet now it's been over a month. My money is essentially just being held hostaXXXX with no word from Binance.US There is no option to cancel and no way to push the order the order through. In the meantime, the price of XXXX has nearly doubled and I've missed several opportunities to turn a profit while my money has been stuck in limbo. 

In the meantime, XXXX has nearly doubled in value and I'm currently missing out on several opportunities because my money is trapped. 

I filed a support ticket through the platform 's web portal approximately XXXX hours after the issue began and was given the ticket number XXXX. I did not hear anything back from the company. I followed up again on XX/XX/XXXX but still nothing. The issue is ongoing.
Consumer complaint received 2021-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (OR)

I received 2 separate medical bills totaling {$18000.00} in XXXX, XXXX. The bills were from XXXX in which I had medical insurance. After numerous complaints they sent me two separate letters saying that the bills and my account is no longer active and we are instructing the credit bureaus to remove the account off my file. First of all the charges were bogus. My credit used to be XXXX, now it is XXXX. How do I get this fixed? I have the two letters but my credit score is messed up as well as my wifes.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MLD MORTGAGE INC (CA)

We took out a loan from XXXX XXXX XXXX on or about XX/XX/XXXX. 
Our first payment was due XX/XX/XXXX, and late if not received by XX/XX/XXXX. 
Our bank sent our first payment on XX/XX/XXXX. 
Our check was stamped received on XX/XX/XXXX. 
We paid off our loan on XX/XX/XXXX. 
Subsequently, we received our annual account statement for XXXX which showed our first payment was processed on XX/XX/XXXX, and we were assessed late fees of {$220.00} I called XXXX XXXX XXXX on XX/XX/XXXX, and XXXX, XXXX and they refuse to talk to me. 
I request a refund of these late fees.
Consumer complaint received 2021-03-18
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. (CA)

I stayed at the resort once but only paid for the room for the time I was there and was forced to attend a presentation. This account is not mine as I did not purchase anything from them. They had all my personal information and brought out a bunch of paperwork and contracts for a vacation package. I declined the offers, they had my ID and other personal information. I realized they took my information to process transactions & opened an account without my consent. They have been billing me and I've made payments just because I don't want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this with the credit bureau and had no resolutions. This is a scam. I do not have a legitimate account with this company. I had been defrauded and taken advantage of. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but Ive had no responses. Ive sent out requests to Equifax and XXXX  and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.