davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
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. (MS)

To whom it may concern, I recently pulled my reports and noticed you are reporting an charge off each month with a balance of {$770.00} for this account. XXXX XXXX XXXX XXXX XXXX As were both aware a charge off account is a dead account which means that there shouldnt be any interest accruing after the account charged off, there should not be any late payments reporting after this account was charged of along with reporting c/o every single month, Im aware that there is date of last activity ( the date on any account should be when a payment was made, or account status change made on the account ) so if you are reporting charged off every month the date of last activity is being reset every single month that you are reporting an charge off meaning that my reporting time is based on my date of last activity so with the 7 year reporting time for every charged off account from my understanding this account was charged off in XXXX and since then youve continued to report charge off on my credit report, which affect my dola ( date of last activity ) & is continuously been extended Ive attached copy of this account as its being reported from your bureau as well as listed below are the other accounts in question. 

{$230.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX $ XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Avadyne Health Holdings, Inc (NE)

My wages are already being garnished for the debt I own. 

What they did today is call me from XXXX. The call came up with my WIFE 'S NAME AND RINGTONE. The ID came up as my wife 's work number, but my wife doesn't work. The message was recorded. When I heard the recording I shut off the phone.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (MD)

My name is XXXX XXXX and I have a complaint against BJ 's wholesale club. I am receiving a bill for a BJ 's credit card that I never requested or received. I am now receiving a bill for {$290.00} but have never a made any purchases because I didn't requested it and I don't have a card. The banking company Comenity wants to offer me a deal to pay half of the bill but I refuse to pay a bill for something that I never requested or have a card for to make any purchases. 

Please assist me with having this bill erased and the account closed out. 

I can be reached at XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX MD  XXXX XXXX
Consumer complaint received 2022-05-26
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)

Years ago my identity was stolen by someone who used it to get credit cards and loans under my name, and affected my credit so badly that I had to dispute the accounts with the bureaus. They helped me at first and everything was going well, until this past XXXX, when I checked my credit reports after not pulling them for quite a while, only to find some of the previous accounts that I had disputed years before back into my records for some reason. At first I wanted to make things right once again by phone calls with the bureaus, but their answer was that I needed to treat this as a new case of identity theft and needed to follow the usual protocol. So I started disputing the fraudulent accounts once again, but it's been 5 months and the accounts still appear on my reports, and I'm starting to wonder if the bureaus are actually checking my case or just discarding everything I send to them. Currently I'm disputing a charge card account from XXXX XXXX XXXX, some credit card accounts from XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX, and also , some addresses that don't belong to me, but are being reported too. I really feel quite anxious about this and don't know what else to do regarding this situation. I'm having trouble getting the creditors to acknowledge me as a good consumer because of the information that's being reported and I don't know how long I can take it. I ask for your help on this matter, because I don't want any more time passing by and be stuck in this situation forever. Please help me!
Consumer complaint received 2021-10-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (CA)

We were exiting a COVID forbearance in XXXX, and we completed our three trial payments from XXXX, XXXX and XXXX. After that the default was not cured and our modification was not closed. We continued to make payments and have not fallen behind. However my modification is still not complete, 90 days after the trial.
Consumer complaint received 2021-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

National Credit Systems , Inc ( XXXX XXXX XXXX XXXX, XXXX XXXX ) ( NCS ) is causing us intentional harassment, and financial harm due to invalid debt collection/ reporting to credit agencies. 

NCS is intentionally concealing the accurate description of this invalid debt, as they know it is not subject to collections in AL. I have reached out to NCS to dispute the validity of this debt, from our previous Landlord ( XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX ), in XXXX AL. 

NCS is attempting to collect {$490.00} from us for 'carpet damage ', however, 'carpet stains ' are not considered 'damage '. In Alabama Landlord / Tenant Law : 'stains on carpet ' are considered 'normal wear and tear ' in the legal sense, and not subject to collections. NCS must know this. 
( There are additional details omitted from this complaint specific to the carpet / Landlord deficiencies not relevant to the collections company ( NCS ) ) NCS sent photos of the carpet stains, but did not call them stains, NCS listed the 'stains ' as 'damage '. I have included this NCS XX/XX/XXXX letter for reference. Also, in this letter specifically, the XX/XX/XXXX Security Deposit Statement letter included from XXXX, and the XXXX  XXXX  XXXX  were never sent to us by US mail. 

Furthermore, I do not know the stains are even from our carpet. From the beginning, I have requested debt validation documents- like an actual bill, ( none was ever sent to us by XXXX ), and each letter I write to dispute the debt, NCS and XXXX collude to fabricate fake documents I have never received by US mail from XXXX. NCS will send these fake documents, and avoid to accurately describe the actual details of the charge as carpet stains, and instead mislabeling it as carpet 'damage'- which is subject to collections. 

National Credit Systems sent collection letters on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Now NCR has reported this invalid debt to the credit reporting agencies, and our credit scores have fallen. This is intentional harassment, and NCSXXXX XXXX XXXX is causing us financial harm due to this invalid debt, that I have requested re-evaluation, and additional documentation on. NCS knows this is not a valid debt, and is trying to conceal that fact, in order to harass and harm us for the predatory LandLord - XXXX XXXX is the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX ( XXXX, NY ), XXXX XXXX is the XXXX  XXXX at XXXX at XXXX XXXX XXXX XXXXXXXX AL ). 

NCS needs to restore our credit rating, and retract this harmful, false, and derogatory information from the record. I hope you can help, and we look forward to a resolution soon.
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

XXXX : First complaint filed with CFPB Complaint Number XXXX ID FOR COMPLAINT SENT TO THE MONEY SOURCE INC . 
XXXX On XX/XX/XXXX, I refinanced my loan with XXXX with monthly payment as follows : Principal : {$340.00} Interest : {$410.00} Total : {$760.00} Paid {$800.00}. {$36.00} towards principal I was informed that The Money Source Inc. ( TMS ) would be the servicing company. 

The Money Source Inc. ( TMS ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT  XXXX Tel : XXXX Email : XXXX And XXXX  gave me two loan numbers as follows : Second TMS Loan No. : XXXX XXXX XXXX First/Original TMS Loan No. XXXX XXXX XXXX XXXX  Account No : XXXX XXXX XXXX ( new servicing company ) TMS informed me that my first mortgage payment would start from XX/XX/XXXX. Since I could not set up an online payment ( due to technical problem of TMS website ), I sent a check for {$800.00} to TMS which received it. 

TMS was supposed to transfer this amount ( {$800.00} ) to XXXX ( new servicing company ). 

I called TMS a total of three times. At all those occasions, I was told that the {$800.00} which I remitted to it would be transferred to MrCooper.com, but it did not. 

On XX/XX/XXXX, XXXX XXXX of TMS called me back and said that {$800.00} was wire-transferred to XXXX on XX/XX/XXXX. Ref. No : XXXX XXXX XXXX XXXX XXXX XXXX. 

I spoke with the Customer Service of XXXX which said that it did not receive {$800.00} from TMS.

I filed a complaint with CFPB, and TMS responded that it remitted {$800.00} to XXXX 

On XX/XX/XXXX, I called XXXX, my current mortgage servicing company and spoke with one XXXX XXXX. 

She said that on XX/XX/XXXX, XXXX wire transferred {$800.00} to XXXX, but on XX/XX/XXXX, the money was returned due to insufficient fund. 

Please see the attached statement by XXXX, showing the return of {$800.00} to TMS due to insufficient funds.

I would appreciate very much if you could ask TMS to refund me {$800.00}.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Neon Newco Corporation (VA)

I sent the following email to " XXXX '' regarding their card I received. I called their customer service XXXX and could find no way to speak with a person without activating the card, which I did not do. Note the brochure comment about charging me for inactivity, which is exactly what I plan to do, no activity because I do not want their card. 
My name is XXXX. On Friday ( on the email I mistakenly stated Saturday ), XX/XX/2019, I received a Netspend " charge card '' ready for activation, etc. 
I request that you cancel this card immediately. I neither solicited this card, nor do I want this card for any use. 
In your brochure accompanying the card, you state that if I do not register and activate the card, you will begin assessing an inactivity fee. 
I will not activate this unsolicited card nor do I expect any charge for that. 
After I send this email, I will proceed to forward this information to all agencies interested in consumer harassment and abuse.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

I called TD Bank on XXXX to request a closeout of a checking account that was opened in my name. The representative asked for my information and stated that they would close account out. They recommended that I file a police report. police report filed on XXXX. There was a {$0.00} balance and my local police department filed a report telling me that NY State data was stolen and accounts were being opened to collect unemployment benefits under fraud accounts. I received another statement from TD Bank on XXXX stating that the fraud checking account was still open and they could not close the account because I have to visit a branch in person to close the account. The nearest branch is about XXXX miles away from my residence.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ZuntaFi Corp (MI)

My mother receives letters in my dads name, XXXX, and that she is a co-signer. The loan is for my car. I currently have no record of XXXX ever and have been paying my loan via XXXX. I have never consented to signing any other outside loan servicing agency for my vehicle other than XXXX.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Every six months like clockwork Capital One uses a discriminatory " fraud detection '' algorithm to temporarily close my two accounts ( primary Capital One Venture card and Walmart Capital One card ). I have address this issue on at least 3 other occasions with the company and they still shut my account down 1-2 times a year. This never happened before XXXX as far as I can recall and I've had the Venture card at least 6 years and I've had the Walmart card for probably 4 years at this point. 

The process goes like this. I go to use my card at a random time and boom, the card is declined. This is infuriating and embarrassing, especially when you have a XXXX  balance. It makes you look like a delinquent payer and that's not what I am. So I get no notice before I use the card that it's been suspended. Then when I call Capital One, I'm only told ( by a foreign agent with a broken accent ) that there was a " fraud event '' and I have to re-verify myself. EVERY SIX MONTHS. The last time it happened I insisted they tell me, after I " verified '' my same driver 's license that I've had for 5 years+. Haven't changed my name, address, date of birth, nothing. They told me it was my email address. The same one I've had for 25 years, a XXXX address, owned by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, based in PA, a company open since XXXX with hundreds of thousands if not millions of users in both the web hosting and email spheres. Capital One is discriminating against me based on a legitimate email address which has no basis in reality. There systems should never put an undue burden on the customer to prove that they are still the same person with no CREDIBLE evidence of fraud. And to FORCE me to REVERIFY myself every 6 months when every other customer doesn't have to do the same thing is the very definition of discrimination.
Consumer complaint received 2019-12-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

We have been having issues with Ocwen/PHH Mortgage since XX/XX/2019. We have attempted to wire transfer the original agreed upon reinstatement amount in XX/XX/2019, however it was returned. After speaking to someone there who informed me that it went to the wrong account and they would ensure that it would be deposited to the right account and we could continue our regular monthly payment in XX/XX/2019. Unfortunately that wasn't true each month that we've submitted our monthly payment it has been returned. I have attempted to send the reinstatement amount again and it was refused and returned. I have spoken to numerous personnel and each time I continue to get bad information along with wrong names and phone numbers of people to contact. I continuously called the XXXX XXXX XXXX who are the foreclosure attorneys and they keep referring me to Ocwen/PHH Mortgage. I have all of the documents that I've submitted since XX/XX/2019 along with copies of the retuned payments. They provide misleading information in their letters and I try and contact them with very little success. The reinstatement amount has gotten so high that there is no way for me to pay the required amount.
Consumer complaint received 2022-05-26
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. (NC)

To whom this may concern. I sent a letter to TransUnion and XXXX regarding my credit report and stated that the late payments were inaccurate and incomplete, and for them to immediately remove all late payments. They did not investigate, neither did they remove the late payments. They updated my profile. The letter is below is what I sent to each credit bureau. 


To Whom It May Concern : According to the Fair Credit Reporting Act, 15 U.S.C 1681, you are required by federal law to report accurate and complete Information. The highlighted account is not accurate. How can the monthly payment be both {$35.00} a month and {$0.00}? This is inaccurate. You are in direct violation of 15 U.S.C 1681. You are also in direct violation of 15 U.S.C 1681e ( b ) which states whenever a consumer reporting agency that prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, which was not done. I demanded you to remove the late payments, not update. Please remove all late payments IMMEDIATELY of the accounts listed below.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I appeal to your service to have all three reporting services ( XXXX, Experian, XXXX ) remove the middle initial from my name. I continue to receive mail with a middle initial which, in my lifetime, have never used. Despite several requests to said reporting services to correct this mistake, they continue to carry my name with a middle initial.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appeal to your service to have all three reporting services ( XXXX, XXXX, TransUnion ) remove the middle initial from my name. I continue to receive mail with a middle initial which, in my lifetime, have never used. Despite several requests to said reporting services to correct this mistake, they continue to carry my name with a middle initial.
Consumer complaint received 2021-10-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America claims to have transferred servicing rights on my HELOC in XXXX  to another company during the Great Recession of XXXX. The XXXX XXXX Bailout occurred at that time as well. BOA was sued by the Federal government for fraudulent activity at the time, and was one of the largest lawsuits in American History on Real Estate.
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

XX/XX/XXXX got Trial Streamlined Loan Mod from PHH Mortgage Services as Successor in Interest. Successfully completed in XX/XX/XXXX. 

Due to unknown reasons PHH never updated the account to remove special executors name when probate was completed. 

I continued to make payments and in XX/XX/XXXX a payment was returned to my account unbeknownst to me. When I discovered it I called and PHH said the loan mod was now denied because special executor did not sign.

I appealed, filed with California Bureau of Consumers and they reversed their decision and asked for {$7900.00} to be up to date. When I sent payments, they got sent back again! I called Ombudsman and she apologized and said to start sending money. So I did. Attached is XXXX  XXXX XXXX account statement with payments totaling {$7900.00} I sent XX/XX/XXXX payment on time and it got sent back! When I called to ask why, NOW they are saying its because I owe them another {$3100.00} but that nobody communicated that to me and they are sorry! 

I now feel they are discriminating against me based on my race ( XXXX ) XXXXm a senior ( XXXX ) and the fact that the property is in a Redlined area of XXXX XXXX and has some equity FINALLY.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OK)

I have asked several times for the fraud alert to be removed from my Experian, XXXX, and XXXX credit reports. These companies placed fraud alerts and personal statementsnon my credit reports with out my permission. I NEVER ASKED THESE COMPANIES TO PLACE FRAUD ALERTS ON My CREDIT REPORTS. Please remove ALL FRAUD ALERTS from EXPERIAN, XXXX and XXXX. I also need to make sure my address is current. The only address and contact infomration that should be on my credit report are below. I have 2 phone numbers. REMOVE ALL PERSONAL STATEMENTS FROM MY EXPERIAN, XXXX and XXXX reports. THE ONLY ADDRESS AND PHONE NUMBERS I HAVE ARE BELOW. I have asked so many times over and over and over for this to be updated. Its getting really fustrating. 

XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-10-01
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: SYNCHRONY FINANCIAL (TX)

I contacted Synchrony in XXXX of 2021 because my Chevron online account had changed and I could not login.

The Synchrony Customer Agent informed me that they had converted to a new billing system and all customers needed to renew their account login 's.

Shortly afterwards, I received a new bill on my Chevron Gas Card for more than {$850.00}. 
I contacted them and told them that this was a mistake, because I had my monthly payments setup with autopay to pay each month 's balance in full. 
When I asked that they send me the transaction statement for these {$850.00} charges, I was told that they didn't have them, because of the new system they had converted to. 
They have not to this date produced any proof of these charges and I have escalated this with their management and fraud department. 
They continue to bill me for these charges with interest, but are not able to show any transactions to back them up. 
I have called them numerous times about this, but to no avail. 
I continue to pay the minimal amount due each month ; only because I have excellent credit and I don't want this to impact it. 
I am at my wits end on what to do regarding this matter!
Consumer complaint received 2022-05-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Acquisitions Group (MI)

Company is stating amount is {$12000.00}. This debt is over 10 years old.The account has been re-aged and I would like it removed. They re-aged account to 2021 which is false.I ask the company to validate debt and they have not done so.