davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
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)

A XXXX account was opened under my name on XX/XX/2021 in the amount of {$1000.00}. This account was not opened by me, it has been affecting the closing of my first home. I have been trying to contact the fraud department of XXXX multiple times and they always tell me that i will get a call back. Nothing has been done. This is a fraud account. They said that they would close this account which they never did and have been reporting late payments and this has been affecting my credit score greatly.
Consumer complaint received 2021-07-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

I have previously made a request for validation on XX/XX/2021 and CREDIT COLLECTION SERVICES lack of response does not comply with the disclosure requirements Pursuant to 15 USC 1692g ( b ). More than enough time has passed to allow CREDIT COLLECTION SERVICES to comply. However, CREDIT COLLECTION SERVICES has chosen not to meet the legal requirements of the law. It is manifest that CREDIT COLLECTION SERVICES has absolutely no claim against me and that they have no records or evidence to support any claims against me and its clear that CREDIT COLLECTION SERVICES havent provided any evidence to establish that I owe them any money. Therefore, CREDIT COLLECTION SERVICES failure to respond is counted as an admission that they are unable to support their claim of debt against me. 

CREDIT COLLECTION SERVICES violated my right to privacy as a consumer by contacting me via letter without my written permission to contact me in reference to any alleged debt obligation. Within this letter CREDIT COLLECTION SERVICES falsely accused me ; the consumer of owing an alleged debt amount. A debt collector can not state that a consumer owes any debt obligation.
Consumer complaint received 2021-07-29
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: I.C. System, Inc. (GA)

Credit reporting company and hospital ( XXXX Hospital ) is reporting medical information without my consent/authorization, in clear violation if HIPPA regulations. 

I am requesting credit reporting agency, debt collector and alleged credit to immediately remove my medical and related information immediately,
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

Since, I filed my complaint near the beginning of XX/XX/2021 today XXXX XXXX shellpoint is continuing to harass me. They know in XXXX of 2021 XXXX XXXX my bankruptcy attorney sent them a letter stating my bankruptcy had been paid off it is called a discharge letter. Shellpoint, continuing to a debt collector not a mortgage company refused to put my address in the system correctly causing me to get behind on payments now sent a inspector out to my house today to take pictures. Proving they are trying to steal my home from me. They are using illegal debt collector practices. I've contacted there attorney Monday telling him the issues he sent them a email expressing for them to fix the issue this makes 4 cfpb complaints against shellpoint in 2 years of service. Shellpoint, is a debt collector not a mortgage company listen to their recording when you call to make a payment. Violation of bankruptcy code for a debt collector to have the loan in the first place
Consumer complaint received 2022-01-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (AZ)

When I applied for my loan, my monthly payment was to be {$68.00}. My payments haven been taken out every two weeks so I have have been paying twice that. 

I didn't realize until a few months of paying that Upstart had been debiting my account twice a month instead of monthly. I pulled up an old email just to ensure I was not mistaken and it clearly says my " monthly payment of {$68.00} is due on the XXXX ''. 

Lastly, my account center now says that my monthly payment is {$130.00}, which is not correct. The only conclusion I can make is that my payment arrangement that I originally agreed to was doubled without my consent.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Checking over my Credit Report & I have noticed that there are quite a few bankruptcy accounts that should not been on my report. I have mailed XXXX Equifax XXXX  & other third parties like XXXX XXXX  regarding reporting this inaccurate information in response they gave me the run around with little to no information to say something is validated. So I contacted the the bankruptcy court itself & here is statement showing that they do not report or share information with creditors or bureaus. So please remove these bankruptcies & the accounts attached to them now! 


Accounts included : XXXX  XXXX XXXX  ( 4 ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records ( 2 ) accounts
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

The credit bureaus, Transunion, XXXX , & XXXX  is reporting an old Bankruptcy on my credit file that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file.
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I requested a pay off quote on XX/XX/20. They told me that I had until XX/XX/20 for {$3900.00}. On XX/XX/20 I completed a online payment of {$2700.00} and sent {$1200.00} in a cashier check. I paid the {$2700.00} online because I knew the cashier check wouldn't get there by XX/XX/20. I thought by paying the {$2700.00} first I can keep the payoff amount as quoted ( the interest would not accrued. ) I called customer service to ask if this would be an acceptable method ; he confirmed that it would be fine. 

They cashed the check XX/XX/20. These payments were not applied to the payoff amount ; the account is still showing unpaid principle amount of {$850.00}. I have been trying to resolve this issue since XXXX. XXXX XXXX, they told me that they can not honor the online payment as a payoff amount to the principal because it was not in the cashier check form. 
For the past 7 months, I have been the only one reaching out to them. I had explained to 10-15 customer service about my issue ; every single time, each one of them said that they would call me back, but none did. I feel that I had paid for amount and even proactively to sent the payment earlier so they could the money earlier. Due to technicality how the payoff payment was made, they lengthening the time of this issue to be resolve to accumulate the interest. 

I would appreciate any advise on how to pursue to resolve this issue.
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dynamic Recovery Solutions, LLC (CA)

A woman named XXXX called and said she represented her client XXXX and XXXX they would sue me if I didn't pay. I said they should have never sold my debt to her office that this debt is old. She said who sold debt and threatened to report it again to the credit bureaus. I hung up because she was raising her voice to me and I told her she called and woke me up it was around 8 this morning.
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Park Hill Holdings (GA)

I have contacted this company 10 times now about the reports they are furnishing. There have information that is not mine. I have sent in a photocopy of a valid drivers license, Social Security Card or A copy of a utility bill with your current and a copy of my Identity theft report. 
mailing address. They have yet to delete my report with them. They are reporting this information which has cause me not to get approved for years for housing.
Consumer complaint received 2021-07-29
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. (VA)

WHAT THE XXXX IS WRONG WITH YOU PEOPLE????? YOU SENT ANOTHER USELESS CHECK RECEIPT ( SEE ATTACHED ) VIA XXXX DELIVERED TO MY FRONT DOOR ( AND LEFT IN THE POURING RAIN ) BUT NO VALID CHECK!!!!! AND IT WASN'T EVEN FOR THE RIGHT AMOUNT!!!! IT'S {$15.00} SHORT!!!! DO I REALLY HAVE TO SUE YOU TO BE MADE WHOLE BECAUSE YOU ALL ARE SO COMPLETELY INCOMPETENT???? TO BE MADE WHOLE YOU ALSO OWE ME THE {$15.00} XXXX XXXX DEDUCTED BECAUSE YOU ILLEGALLY STOPPED PAYMENT ON A CHECK THAT CLEARLY STATED ON IT THAT IT WAS VALID FOR A YEAR ( SEE PREVIOUS ATTACHMENTS PROVING XXXX XXXX TOOK MY {$15.00} )!!!! IF I HAVE TO SUE FOR {$50.00}, I'LL ALSO BE SUING FOR THE COST TO FILE THE LAWSUIT, THE COST TO SERVE CHASE, THE COST OF MY TIME OFF FROM WORK. WHAT DO YOU THINK MY CHANCES ARE IN COURT???? PROBABLY PRETTY GOOD SINCE I'VE GOT ALL THE PROOF THAT YOU STOLE MY MONEY TWICE AND NEVER SAID I HAD TO CALL TO CONFIRM I'D RECEIVED THE ONLY CHECK YOU SENT OR YOU'D STOP PAYMENT ON IT!!!!! THIS IS ILLEGAL AND COMPLETELY UNACCEPTABLE!!!! STOP SENDING USELESS PIECES OF PAPER VIA XXXX AND SEND ME AN ACTUAL XXXX CHECK FOR {$50.00}!!!!! WHAT DID YOU DO WITH OTHER NON-CHECKS YOU DIDN'T SEND ME????? DID YOU STOP PAYMENT ON THOSE TOO WHEN I DIDN'T CALL TO CONFIRM I NEVER GOT A CHECK YOU CLAIM YOU SENT???? COMPLETELY INCOMPETENT!!!!!
Consumer complaint received 2019-12-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCE CORPORATION (PA)

On XX/XX/2019. I received a call from Springleaf financial and was advised that I had a past due payment. I thought they were referring to the payment that was due on XX/XX/2019. The representative that I spoke to advised me that I had a payment shortage from what was due for XXXX of an estimated amount of {$23.00}. I informed the rep. That I was under the impression that the payment I made on XXXX was to take care of my XXXX payment ( 2 payments were made ). The representative advise me that it did go partially to the XXXX payment but the {$23.00} dollars was still outstanding and now the account was over 30 days past due. When I asked why I was not notified at any time about the delinquency I was advised that their primary job is to close docs on loans, not follow up on loan payments. I advise I did not get an email, or a letter either. The rep was unable to explain or give a reason aside from the fact that they did not have time to call people.This 30 day reporting should not be reported. I was not given the proper information about the remaining amount of money due for XXXX. When I authorized the rep to pay an additional payment I was never told another payment would still be due for XXXX.They waited until the account was over 30 days past due to inform me of a delinquency, despite my efforts to avoid such a thing. when I was called in XXXX to ensure XXXX was paid in advance. The contact number for the company is XXXX.
Consumer complaint received 2022-01-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (NY)

I have a recurring issue with my XXXX store card, issued by Synchrony. Frequently, when I attempt to log into Synchrony 's online service portal in order to access my account information, I am prompted to confirm via two-factor authentication. However, I am prompted to receive a text or call via telephone numbers that I have not had access to for well over a decade, and which I never provided to Synchrony or XXXX. ( I am guessing that these are numbers they may have pulled from stale public records searches or other databases. ) When I attempt to manually input my sole current personal cell number, the one I have provided to Synchrony, it simply refuses to continue the verification process. I am therefore effectively blocked from accessing my account information.

I have had this problem recurring on-and-off for years and have called Synchrony 's customer service at least three times to get this fixed. Each time I have been assured that it is fixed, yet it continues to recur, inhibiting my ability to get my own financial information.
Consumer complaint received 2021-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (GA)

On XX/XX/2021, I tried to send a payment for XXXX $ to someone. The payment didnt go through at first. An error popped up and said to try again. I tried again 3 more times. Each time the error message came up and said the payment could not be processed. I then called zelle customer services see what the problem was and they said that it must be the receivers bank. So I decided to send the money another way and decided to delete my Zelle account because this isnt the first time Ive had a problem. After deleting my account I then called my bank ( XX/XX/XXXX and XX/XX/XXXX ) to double check that the attempts wouldnt be completed. Now today, XX/XX/2021, I check my account and the 4 XXXX $ payments have been processed and completed. I order to rectify the situation I then contact zelle to which they claim they cant help me because I deleted my account. I asked them to replay the recording from XX/XX/XXXX where I asked them to make sure they didnt go through and they said theyre non existent. I dont know what else to do at this point.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TX)

I have regions bank - life green checking account - ending in XXXX. As per the terms and conditions document that i got at the time of opening this account it clearly stated that maintain a monthly balance of {$500.00} to avoid any monthly fees. In the month of XX/XX/2021 - the average monthly balance is more than {$500.00} but still on XXXX XXXX XXXX Regions bank charged me {$8.00} as monthly fees. Chatted with XXXX XXXX and told her the same. 
Attaching the terms and conditions document along with the chat.
Consumer complaint received 2021-07-29
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: DISCOVER BANK (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXXXXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-29
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Omni Financial Corp. (FL)

World Omni Financial Corp has reported on my consumer report that they have charged off the amount I allegedly owe them. A charge off means " a lender or creditor has written the account off as a loss, and the account is closed to future charges ''. Which also means the company has wrote it off on their taxes as a loss which means they technically got their money back on a tax break. World Omni Financial Corp also sold part of the debt before placing it on my consumer report as a charge off. Every month they add {$41.00} to the balance on my consumer report.
Consumer complaint received 2021-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (GA)

I had a minor in office procedure in XX/XX/2020. I kept getting bills that my insurance stated I was not covered. My insurance had received no claims from this provider. I called the billing company no less than three times but kept receiving a bill for the entire amount claiming I was not covered by my insurance. Frustrated, I went to the doctors office in person and sat down with the woman in charge to straighten this out once and for all. I sat in her office until the problem was corrected. Before I even got the new bill I was reported to the credit companies which has effected my credit for several months as derogatory. I paid my remaining balance to the practice the day I received the bill. The check was cashed on XX/XX/XXXX. I sent a copy of the paid in full check to Choice Recovery the credit collection agency. The doctors billing office has continued to deny that I am paid in full even though I have provided a copy of the check.
Consumer complaint received 2019-02-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

When I began school I received a student loan from Sallie Mae which is now Navient. 
I was told that my loan could be consolidated and I would not have to pay until I completed school. My loan was consolidated to a lower rate through then Sallie Mae. I was told that if I paid the loan amounts and was not late with any payments and remained in public service for 10 years and was never late my loan would be forgiven. I did this, I was never late and I worked and stayed in XXXX  work for over 10 years and am still working in XXXX work. I delayed retirement so that I could receive forgiveness and my balance would be forgiven, like teachers and other government workers as stated in the paperwork I received. I applied for forgiveness and was told my loan didn't qualify because it was the wrong type of loan, 15 years later. This is not right I was never told that certain types of loans and lenders would disqualify me for forgiveness. I had no knowledge in this. I understand that I am not the only one and that lawsuits have been filed regarding this fraud. I have contacted everyone I know to contact to have this issue corrected. Effective this month ( XX/XX/XXXX ) my monthly payments have tripled. I will not be able to pay this loan off and delayed retirement. The interest accumulated and now I owe 3 times as much as the original loan. There should always be a program or forgiveness when someone risks their life for the community. I am a spouse of a veteran of the XXXX and XXXX XXXX wars and have always done the right thing. Now you need to do the right thing. Retiring should always be given a reduced amount to pay. or forgiveness. I earned my education and used it for the good of the country. Stop this craziness I paid for most of my education but some of it I could not. I don't want to be punished.I don't want to be a used or ignored. I just want what is due because I followed the rules. Now you need to follow the rules.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

Equifax 's supervisor XXXX -XXXX has admitted to me that the company allows any business entity can ask to do a credit inquiry on a consumer and the company allows it and will not remove the false report and will not check out the authenciticity of the inquiry of the consumer. For example. XXXX did a fraudlently false credit check on my report and even after I was told by XXXX that my personal credit would not be checked or pulled several times, the XXXX company did. I brought this up several times with Equifax and they said basically to bad. but to get a police report. I did. i ; m faxing the cover letter and police report over to Equifax tomorrow and XXXX said once he got the report the company would delete all the disputed items .Equifax told me and even gave me dispute numbers to check the so called status only to learn months later that equifax never even investigated my disputes. equifax gave me dispute numbers like XXXX and many others to check the status. This is not ethical and it is deceptive in business practices. please listen to the recorded phone conversations between XXXX  XXXX and the others I spoke with that XXXX had finally admitted to me about the lies i was told and that my disputes were never really disputed in the first place. but they at equifax will tell you that they have disputed and checked into the consumers dispute. ALL LIES. On the recording XXXX even said I was told incorect information. my police report number is case XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. on XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and dergatory remark XXXX XXXX XXXX. the first 4 are false hard inquiries and the fifth is XXXX XXXX  witch is a degratory remark. that are all false and fraudently let on my credit report holding down my score. I want the CFPB to listen to the training tapes from XXXX and Equifax from XXXX XXXX.
Consumer complaint received 2022-01-02
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

ON XX/XX/2021 A INQUIRY WAS MADE ON MY CREDIT REPORT FROM CAPITAL ONE I DID NOT AUTHORIZE THIS TRANSACTION AND IT NEEDS TO BE REMOVED