davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

I have written CMRE three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and called twice ( XX/XX/XXXX, XX/XX/XXXX ) requesting validation of this debt of {$380.00}, which I still do not have. I responded within the 30 day window to dispute, yet they had already reported this to the credit bureaus. The only thing I have ever received back is another invoice of charges, but no supporting proof of the debt. I have contacted the original creditor & they have no record of this debt at all. I have disputed with XXXX  and was told CMRE verified the debt as accurate when investigated. ( Although XXXX refuses to provide their method of verification. ) CMRE is violating my rights of the FCRA by continuing further collection activity, including credit bureau reporting, without validating this debt. They have ignored my requests for validation. This debt is not accurate, complete, or verifiable, yet they are continuing to credit report it. 

Furthermore, I believe they have re-aged this debt of {$380.00} from XX/XX/XXXX by giving it a new account number. I disputed this as well, but no response from CMRE.
Consumer complaint received 2020-01-01
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. (FL)

Multiple attempts to repair disputed items reflects repaired then shows up again- example incorrect name in personal data- Daughters information- also no score provided even though they claim free score available! " FACT : A credit score isn't included on your credit report Check your XXXX Score credit score. 
Choose an option below. 
Your credit scores should be free. And now they are. 
Check your scores anytime, anywhere,
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

Dear Cfpb team, My apologies for just back to the bank institution and your department today. This complaint is in regards to a previously closed case XXXX. I found out today the envelope from Wells Fargo Tracking number : XXXX Case Number : XXXX with a mediation request form and the credit card statements one of the envelopes one was received on XX/XX/2020, and for the second one I lost the envelope. The case status is closed and monetary resolve for {$250.00}. I didn't submit the mediation request form and I didn't receive a call in regards to this case accepting the {$250.00} amount my resolution amount was {$450.00}. 

Please let me know when and where this money was deposited or check mailed.
Consumer complaint received 2020-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (FL)

The company agreed to remove this debt in XXXX. It was reported as an auto loan which it is not. The company XXXX that provided the product failed to uphold agreement and has since then went out of business. The product was damaged upon arrival and repair cost was paid by me. None of the important documentation after repeated attempts to obtain have not bee provided.
Consumer complaint received 2015-04-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

My wife and I both checked our credit reports, as we periodically do. There are several accounts on each of our reports, listing Portfolio Recovery for XXXX XXXX debts. We have never received anything, in writing, from XXXX XXXX or Portfolio Recovery. We have, however, received threatening voice mails from Portfolio Recovery, which we know is part of a possible scam. With all of the scams out there, we will not pay anything over the phone ; and certainly, nothing that is n't owed. We each did have XXXX XXXX accounts, years ago, which were charged off in bankruptcy. We have never received anything in writing, regarding anything owed to this Collection Agency. We only have discovered these on our credit reports. Proper debt collection practices and laws have not been followed. I know this agency purchases debt from creditors, but debts charged off in bankruptcy? VERY suspicious.
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

OnXX/XX/2020 a non-profit in NC provided my family with XXXX to help with rent/ mortgage from the rental relief fund during Covid-19. They processed the payment electronically to the account with NewRez. I have contacted NewRez multiple times via phone where I am told they can not locate the payment but once they find it they will apply it and not charge late fees. It will be a month this Friday that the payment is sitting with the service center and has not been applied. The non-profit that made the electronic payment sent me the confirmation they could provide however I received a letter from NewRez that  they cant find the payment, it is late, I will be charged fees and if I would like send them acceptable proof of the payment I can with a written request to look for it again I can. 

NewRez Reference # XXXX ( this is the actual account # ) Acct ****XXXX  Payment Reference # from Non-Profit not involved in the complaint XXXX
Consumer complaint received 2020-08-05
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. (NY)

I paid settled a collection ( account control technology ) account but two months later the account was still showing as unpaid and open with a balance on my Equifax credit report. I filed a dispute with equifax on XX/XX/XXXX and they reported back on XX/XX/XXXX that the information was accurate and " verified ''. 
I emailed the collection company directly on XX/XX/XXXX and that same day i got a response that the information would be correced with credit bureaus. On XX/XX/XXXX the account was updated to reflect the ACCURATE details on Equifax that the account was paid and closed. 
On XX/XX/XXXX I called equifax and told the representative that i DID NOT want to file a dispute. That i wanted a supervisor to look at my file and delete the collection account due New York State General Business Law Section 380-j section iv which mandates the removal of paid collection after 5 years - this was not an error on the creditors part but that on the part of equifax. As a NY resident the account should have been deleted as soon as it reflected a paid status. 
The rep stated that she was not filing a dispute and was requesting an internal deletion. However I received an email on XX/XX/XXXX with the " results '' of my dispute and the account in fact had NOT been deleted and instead the incorrect old information is back on my creidt report. 
To say that this is frustrating is beyond an understatement. That phone call to Equifax regarding the deletion required a hold of an hour and half. This reporting of INCORRECT information on my credit report not only is in violation of fair credit reporting law but has already cost me an adverse decision. I was denied a loan recently and ALL the reason for denial were due to the incorrect information being reported by Equifax. Both the denial and the inability to fix the reported information TWICE are all things I can seek damages for.
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (LA)

I printed my credit report in late XXXX of 2020 from all three credit bureaus and I noticed that XXXX XXXX as the original collector was still on my credit report under collections for {$220.00}. I reached out to XXXX XXXX in XXXX of 2020 and paid my debit of {$220.00} in full and was told it would be updated and removed. It is now XXXX of 2020 and the debit is still there. According to the credit report the collection is now under Convergent Outsourcing at XXXX, I contacted them via telephone on XX/XX/XXXX about clearing or removing debit that is paid off and none out of the 6 people I spoke to and was transferred to help until they hung up on me. I also contacted XXXX XXXX back on same day of XX/XX/XXXX concerning same matter and XXXX XXXX informed me that I needed to contact collection company and I asked if I can get an emailed or mailed copy of receipt confirming my payment in full, representative advised me accounting department is closed in which it was XXXXXXXX XXXX central standard time, to try another time and hung up. Neither company is trying to help me or listen to the matter at hand. I need this removed being it is paid out in full or at least provide me with my receipt I requested and an estimated date it will be dropped or removed from my credit report.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

I bank with Chime.com. A couple months ago they put my account under review because of an accidental over transfer. I was trying to move my savings from another bank to chime because they have a better APY. They froze me out of my account and put it under review asking for source of income, ID and address verification. I provided all of those. They would say it will be 4 hours and then it would take days to get back to me. It was a long hard journey to get that access reinstated.

Now mere couple months after that verification, today I wake up to a 1am email notifying that my account is closed with no heads up and no information on which of their policies were violated. I called the support number and reached out to email and I get directed to the links with no in person support on which item caused this situation. On top of that, they somehow always manage to do this days before rent is due. The sheer abrupt behavior of this bank is alarming.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my creditfile. See list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
I am writing to request the verification of information regarding specific accounts listed on my credit report in accordance with the Fair Credit Reporting Act : Section 609.In pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Transunion. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Transunion consumer file.I am disputing and requesting full verification on the following accounts. 

It appears that thereare 10 - 14 installment accounts under XXXX XXXX  XXXX account number XXXX originated from a school that I never attended or enrolled at or agreed to attend. 
XXXX XXXX - account number ending in XXXX originated from a school that I never attended or enrolled at or agreed to attend. 
XXXX - account reporting opened in XX/XX/XXXX. 
XXXX XXXX XXXX - account reporting opened in XX/XX/XXXX XXXX XXXX/ XXXX XXXX account reporting opened in XX/XX/XXXX. 
I would like to verify that these creditors obtained my information legally by requesting that they provide me with the original sources of the information they received. This should include the identity of the individuals who requested my credit reports, all original documents and agreements, and all other relevant documentation. If you are unable to get this information for me, please remove these items immediately since the accuracy of what is being reported to my credit file can not be verified. 

Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 

If any item ( s ) return as verified please provide all records in regard to FCRA section 609.

I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
Thank you for your attention to this matter.
Consumer complaint received 2017-01-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a chase credit card. I was declined and the letter gave reasons for denial. XXXX of the items cited was my Experian credit score which the letter cited as XXXX. My score is not XXXX, Experian cites it as XXXX. I worried that my score had dropped. I called Chase lending and spoke to XXXX different reps in lending who did not know why the score was cited as XXXX. They assured me that the score was not used as a determining factor, even though the decline letter stated that it was part of the reason. I paid to have my Experian credit pulled because no one at Chase lending could tell me why my score was cited at XXXX and there system did not. Turns out Chase rescores an applicant. If I had been told that Chase rescores I would have saved XXXX hours of complaining time with Chase XXXX a fax letter and would not have incurred a fee to pull my Experian score. Who knows XXXX many people are have experienced the same and have also incurred an expense to validate wrong data.
Consumer complaint received 2020-08-06
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: AFNI INC. (TX)

I have been trying to resolve an account with the company AFNI, inc. The account number with AFNI is : XXXX. I have written a letter in XXXX of 2020 to this company regarding rectifying this account and I have not received a response. I have also sent letters in XXXX, 2020 asking for verification and method of verification for this account. THIS COMPANY DOES NOT RESPOND TO MY LETTERS. 

I have also disputed this account with XXXX  and XXXX  both online and written letters. This account was disputed in XXXX of 2020, and nothing has been done to rectify this. The account number for AFNI on my credit report is : XXXX. This account with AFNI has been removed from my XXXX   report. This account is inaccurate and falsely reporting because it is not a validated account according to the FCRA and has already been removed from my XXXX report because of this reason. I am requesting that the item be deleted to correct this information. Please do a full investigation of this item and delete disputed item as soon as possible.
Consumer complaint received 2020-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I had an issue with capital one and their XXXX Partner. I had use Chase before for years to send a Property Manager payments with no problems to the same email same information and now I did with Capital One so when the payment of {$1500.00} was sent for the first time with capital One through XXXX The property manager got an email from XXXX his bank saying that he was going to receive the funds sent by me and I also got a generated email saying my payment was going to his account connected to his email. I use the same email I have always provided turns out he did receive the email that the money was going to his account but the money was deposited into another account in XXXX to a company that has been close for two years and nobody wants to be responsible for it. done that three years with XXXX but with capital one this happens
Consumer complaint received 2020-08-06
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: Specialized Loan Servicing Holdings LLC (CA)

Lender name : Specialized Loan Servicing Repoted 30 days late for my XX/XX/XXXX payment of {$3900.00} I was seeking forgiveness of a late payment that occurred in XX/XX/XXXX. I'm asking for forgiveness because I was XXXX XXXX  in the latter part of XXXX into the first three weeks of XX/XX/XXXX. I had the XXXX XXXX. The fact that the XXXX XXXX  is borne out by this news article on Covid19. 

XXXX XXXX  XXXX " Health officials are working to figure out exactly how long COVID-19 has been in the XXXX XXXX. A new report suggests it could have been long before they started looking for it XXXX XXXX County 's Chief Executive Dr. XXXX XXXX suggests that COVID-19 could have been in the XXXX XXXX and circulating, since late XXXX in XXXX, according to the article in the XXXX  XXXX. '' During this period, I was XXXX XXXX and unable to make payments on my mortgage payment on time I was literally XXXX XXXX XXXX XXXX. It was not a purposeful and could not be avoided as I was XXXX and XXXX. As you will see from my file I was very consistent in the year prior to and months after my XXXX. 

I was asking that my credit file be updated reflect the forgiveness under the Covid 19 relief plans that my lender took advantage of.
Consumer complaint received 2020-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc. (TX)

ARS National Services is attempting to collect a debt that I do not owe. Therefore ARS has no legal right to attempt to collect any money from me. ARS has not validated this debt nor sent me an initial notice of collection. ARS is calling and requesting a settlementpayment for an alleged debt that I do not owe. ARS is acting in a misleading manner and is in violation of the FDCPA..
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (OH)

I am in the process of getting pre approved for an home and while going through my credit report I noticed several accounts that are closed and still reporting. I have a XXXX XXXX account that was settled and paid in total amount of {$350.00} on XX/XX/2023 and was told by XXXX it will stay on my account for 7-10 years. I tried to dispute with all 3 credit agencies with no luck. I have two accounts with XXXX XXXX XXXX that started reporting in XXXX of 2023. The amounts for the two accounts are {$410.00} and {$3100.00}. I called XXXX XXXX where they told me there was no account on file attached to my name. When I disputed the accounts were not removed. According to the 15 USC 1681 law, there should not be any damages on my report. This is a defamation to my character.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

I applied for my own credit and was denied through Citi Bank Application ID XXXX my rights have been violated and I'm excersing my rights as per the equal credit opportunity act. 
I entered into an application of securities and received no valuable exchange. I demand my application to be approved or for my application to be returned. 
denial of this request will result in securities fraud. 
This also falls under discrimination and I have been injured. 
being denied my own credit has brought me much humilation and heartache. 

I also never gave any written consent for you to sell my information to any third parties. 
remove all hard inquiries from any and all reporting cooperations.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

For the past 3 weeks I have been sending Capital One identification and social security cards for authorized users on my accounts to have my Capital One accounts un restricted. I've called capital one multiple times regarding the system not accepting some documents. Also, I told the customer service rep XXXX ID XXXX, that according to the Privacy Act of 1974 some of my authorized users won't be submitting documents. XXXX was no help. A manager by the name of XXXX was also no help and I spoke to her two weeks ago. I am continuously submitting documents on behalf of authorized users and nothing is being done. Capital One is costing me time, stress and also due to the pandemic I am tight on funds and Capital One locked my accounts. The representatives are horrible with customer service and assistance and no supervisor/manager is un restricting my accounts and I have submitted the documents more than once. I will be reaching out to the CEO via private mail as well to resolve this issue. I've been a customer for 3 years now and Capital One is committing deceptive practices assuming I'm some " Fraudster '', when in reality the people behind Cap One are Fraudsters. I will also be taking action if this isn't resolved immediately. 

Thank you.