davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

On XX/XX/XXXX I entered into forbearance with Shellpoint mortgage. However, I paid {$10000.00} on that date. On XX/XX/XXXX shellpoint advised although I was in a continued forbearance I should make payments if possible. From XX/XX/XXXX to XX/XX/XXXX I made approximately {$32000.00} in payments. During which I constantly asked for my total balance due and owing to become current. I was always given a repayment fee that includes foreclosure fees. This fee made in impossible for me to become current. On XX/XX/XXXX I paid {$13000.00} and was enrolled in 6 month repayment period for rears. My request for what total fees went unanswered. In XX/XX/XXXX I was offered and accepted a lump sum repayment offer of {$5700.00} to be paid on of before XX/XX/XXXX. I again, as in my other 11 requests, for an itemized break down of what the {$5700.00} included. I was told audibly the fees were as follows {$3800.00} XXXX & XXXX {$370.00} late fees {$40.00} insufficient funds {$2300.00} foreclosure fees Be advised my account is not in foreclosure. On XX/XX/XXXX I received legal documents filled in my county court titled DISMISSAL from Shellpoints attorneys. The documents reports no injury or cost to any of the parties evolved. 

I reported this information to Shellpoint mortgage and again requesting an written itemized list of what the fees are. Shellpoint response was the the {$2300.00} foreclosure fee can be paid at the end of the loan. Shellpoint mortgage representative reports they would forward the aforementioned itemized document of rears. They have not as of this complaint letter. On XX/XX/XXXX I again contacted Shellpoint mortgages XXXX XXXX, and asked for a written itemized documentation of rears, she refused. However, she was able to provide the answers verbally on a taped and recorded line. At this point the original fee of {$2300.00} marked foreclosure fees, she explained they were divided into two fees. Those fee 's are as follows : {$930.00} legal fees {$1300.00} other fees When I asked what " other fee 's '' are defined as she could nit answer. I then reminded here of their attorneys legal documents reporting no cost incurred. 

I am convinced Shellpoint mortgage has willfully charged ambiguous fees to my account. As in foreclosure fee 's, legal fee 's, and other fee 's in an attempt to keep me in the rears. Having me in a vicous cycle of paying late fee 's, foreclosure fee 's and other fee 's that are not applicable. To date I have not been given written itemized accounting of my rears. 

I ask for a complete audit and itemized list of all fee 's explained.
Consumer complaint received 2021-12-27
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital one is violating 15 usc 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. They are reporting late payments and they didnt have any procedures in place.
Consumer complaint received 2021-12-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (VA)

THIS IS URGENT. VIOLATION OF MY RIGHTS. I, XXXX XXXX, am submitting this document myself and there is no third party involved. I have reported an unauthorized account to Equifax. They had then processed an investigation with the creditor XXXX XXXX. The creditor is saying that, what they are reporting is accurate. Equifax continues to report this closed account. Section 603 ( d ) ( 2 ) ( A ) ( i ) of the FCRA states items that are supposed to be excluded from my consumer report. It states that ANY transactions and/or experiences between the consumer and the person making the report is to be excluded from such consumer report, yet Equifax continues to willfully neglect this law bought under the FCRA by continuing to report this experience between I, and XXXX XXXX which is the person making report.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Between the years XXXX and XXXX, I was the victim of identity theft from XXXX  XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX. In addition, mortgages, cell phone and utility bills as well as defaulted credit cards were also illegally obtained. This required me to hire an attorney in order to send multiple letters to all the credit agencies to try and give me the information necessary to fix my credit. This was done and everything was fine for a few years. However, in XXXX I was the victim of multiple degrees of identity theft where someone defaulted on a credit card that was valued at {$35000.00} in the State of Delaware. Multiple utility and electrical accounts from Illinois, Ohio and other regions of the United States were defaulted as well. As a result,! had to hire another attorney named XXXX XXXX XXXX to handle the case. We prepared our case and had to go before the Bankruptcy Judgement Court in XXXX, NJ where I pled XXXX  XXXX bankruptcy, only owing about $ XXXX {$7000.00} in actual personal debt. This was done because! had to shut my credit down so that people using my credit could no longer apply for it. The next stage was filing with the Social Security office in XXXX and pre-supposition that we were going to court to plead the case for the identity theft and have the bankruptcy removed. Unfortunately, by the time we got to the court system it was not until about XXXX. Due to all the backlog at Social Security I was not allowed to stand trial for my XXXX  XXXX Bankruptcy and subsequent identity theft. As a result, I've had to bear the brunt of a financial hardship and predatory loans and high interest credit cards because the XXXX  XXXX Bankruptcy is still appearing on my credit over 7 years after coming out of receivership. In spite of two different Senators Offices being involved and months of trying to get answers from Social Security, 1 would ask why I have not had my Social Security Number remedied and the bankruptcy not removed at this point. I'm free to discuss this whenever necessary. You may reach me by email at XXXX or by cell phone at ( XXXX ) XXXX.
Consumer complaint received 2017-12-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I have been repaying my loan since its deferment ended. It is serviced by AES. My XXXX continues to be a cosigner on the loan and I undertook the process to remove him as a cosigner. I filed out the initial form on their website to do so, mailed it in in XXXX XXXX and in XXXX received a reply letter asking for further documents. I sent further documents in XXXX, in XXXX I received another letter denying again and asking for more documents. I sent these and finally in XXXX XXXX received a final letter denying my request. On the denial it states to call AES if I have questions about this decision. I did so but AES informs me that they are unable to provide any further information as they are only the loan servicer. They however can not allow me to speak with anyone from the actual lender to provide any clarification and simply ask me to submit a request again via letter. They have created a circular process in which the inertia required to accomplish anything is so great that most people will give up at some point. The only service my servicer is providing is to obstruct my access to my own lender in order to receive any sort of satisfactory response. Furthermore the credit score that they note in their reason for denial is inaccurate.
Consumer complaint received 2022-09-24
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. (MD)

Im not sure who furnished incorrect information to these companies I see on my consumer report!! I never willingly entered into a consumer credit transaction with any of these companies!! I Know this is A direct VIOLATION OF MY CONSUMER RIGHTS. These companies are using false, deceptive practices as well as illegal collection activities pursuant to FCRA.

This is in FACT AGGRAVATED IDENTITY THEFT PURSUANT TO 18 USC 1028A. ANY AND ALL INFORMATION FURNISHED TO THE CREDIT REPORTING AGENCIES RESULTING FROM IDENTITY THEFT MUST BE BLOCKED & DELETED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681 C-2.

IDENTITY THEFT REPORT WAS FILED AND ATTACHED AS WELL!!!!
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Has as violated my rights : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is an accurate.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a military veteran, and after recently applying for a home mortgage I learned that someone has aggressively used my personal information as their own to obtain goods and services unbeknownst to myself XXXX XXXX, I have contacted each account holder to no avail. When the accounts listed below was opened I was on XXXX XXXX in the XXXX  XXXX away from the United States, I have never given anyone authorization to use my personal information they aggressively attempted to secure a car loan causing creditors to run my credit numerous of times, I have listed the accounts that were opened fraudulently, and the inquires that were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2017-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

In XX/XX/XXXX, I contacted Portfolio Recovery Associates about a debt I owed to them after they brought a XXXX account that was charged off. 

In XXXX, I called PRA and spoke to a rep about setting up payments every two weeks to handle the account. I asked, if I paid the account would they be willing to do a pay to delete the rep put me on hold and came back and said yes they could do that. I started making payments on XX/XX/XXXX and my final payment was on XX/XX/XXXX. 

I received a letter stating the account was settled and the credit agencies would be updated. Its been a month and the entry is still on reports. I feel like Portfolio Recovery Associates lied to me just to get me to pay. At the end of the day the debt was mine, but the way they went about it was totally wrong. Why say you can do a pay to delete and turn around a renege.
Consumer complaint received 2022-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the collection, charge-off, and late payment accounts. No changes were made. Below are the inaccurate accounts from my credit report : Collection XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Charge-off XXXX CARD # XXXX XXXX CARD # XXXX Late Payment XXXX CARD # XXXX XXXX # XXXX XXXX  # XXXX
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America credit card. It had a balance, so I set up auto pay to pay a maximum of {$500.00} per month. 

I paid the balance in full. Bank of America continues to deduct {$500.00} from my checking account even though there is no balance. 

It required me to wait XXXX minutes with support and they will issue a refund that will take up to XXXX business days. 

This is an unfair practice. This should not be allowed or ok. In 2024, having a software platform and policies that deduct maximum balance payments from people 's accounts when there is no balance should be illegal.
Consumer complaint received 2024-02-29
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: MOHELA (MS)

My student loans were with XXXX, but were transfered to mohella because I applied for public service loan forgiveness. Loans were forgiven in XX/XX/year>. I have statement from both mohella & XXXX showing balance is {$0.00} and a letter saying my loans were forgiven, but my credit report is still showing a balance of over {$40000.00}. I have disputed several times. Called XXXX they said mohella had to cancel so I called mohella and they said they had done so, but credit report still shows balance 8 months later. Just disputed again still didn't fix issue. Balance needs to be updated to {$0.00} by XXXX.
Consumer complaint received 2024-02-29
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: Law Office of Brett M. Borland, P.C. (NY)

Please actually read this message and understand something. I have made complaints and disputes and gotten nowhere. XXXX sided with the debt collection company. I had a debt for {$920.00} for rental arrears. I applied for New York State erap program. I was approved in the end of XXXX this year. The original debt was from XXXX The apartment complex where I was living was bought out by a different company. I called the apartment complex and they said the debt is not owed to them but to the previous company. I have called and called the prior property management company. I have left messages. Emails for months. They dont respond. There is absolutely no way for me to get in touch with them to have the debt eradicated. Yet this debt collector keeps bringing up old papers saying the debt is still valid. The stuff they are showing me is dated. They bought the debt from another debt collector who refuses to give me any information at all. Furthermore through this New York State erap program this debt is illegal. The landlord has 6 months to respond and if they dont then legally they must waive the debt. I will attach evidence.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (LA)

American Express stole {$4100.00} from me on XX/XX/2022. I changed banks and informed American Express of this and to stop debiting money from my XXXX  XXXX account as I had switched to XXXX XXXX XXXX. I gave American Express my new account number and authorized a payment in full on the phone from my new account. Despite receiving the money, they still debited the same amount from the other account ( XXXX XXXX ), and said I needed to be patient to wait after spending 3 hours on the phone with them. They were unable to give me the money back they stole telling me I had to be patient and wait up to three days -- which would push this past XXXX XXXX. 

This is illegal. It is a financial crime and I have reason to believe this is widespread at AMEX. All the representative would tell me is " oops, I see where they forgot to update the ach information ''
Consumer complaint received 2019-11-22
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (FL)

My current statement shows four over charges for the laundry machine in my apartment building. I have been over charged more times than I can count. I have complained before and the card issuer has removed the charges. Barclays disconnected me today three times when I called again to dispute these overcharges.
Consumer complaint received 2017-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IA)

Today 's date : XXXX XXXX 2017 I have used Paypal in the past to buy something because that is what the company I was doing business with said I had to use. Recently I began getting emails from Paypal to set up what they called a " credit account. '' Doing this requires that I pay Paypal some money so they have it in case I want to buy something. I have told them two or three times I have no interest in setting up this kind of an account and will not give them any money and they keep on sending me emails telling me I missed a payment. I just called them and tried to tell them and the guy who I was talking to started trying to tell me what I had recently purchased using Paypal, which was completely paid for. I do not remember when I bought it or what it was since it was not a business expense since I do n't have a business. The email they use to send me this can not be replied to so I have to call them and every time I do that, they argue with me. Today I finally told the guy that I was hanging up and did so without waiting or him to say anything.
Consumer complaint received 2021-12-27
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on 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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone emptied my account online and Bank of America failed to investigate my claim. So I did. After speaking with the merchant, whos words were this is clearly fraud called back to Bank of America. They have been investigating for over 30 days and have still not provided either a resolution or credit in violation of regulation E. My business have effectively been closed due to this as I had no inventory to sell for XXXX. They promised me the credit would be in my account last Wednesday but it has not arrived. Ive filed a police report as well.
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (MA)

I am trying to assure that Mohela has requested I receive an overpayment refund from my student loans as I was told they would. I had pslf forgiveness in XX/XX/XXXX yet was supposed to receive a refund from the Department of Treasury for student loan overpayment from XXXX yet have not received it. My pslf count was at XXXX which is 49 payments over the forgiveness threshold. I have not received my refund nor has Mohela updated me on whether in fact, they submitted this information appropriately and expeditiously to the Department of Treasury.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.