davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (GA)

I have made 2-3 attempts to obtain information regarding a debt managed by CRME FINANCIAL in the amount of {$790.00}, alleged date of service was in XXXX of XXXX, creditor allegedly listed as GA XXXX XXXX XXXX First call from myself was made in XX/XX/XXXX to CRME XXXX The representative refused to tell me who the ORIGINAL creditor was or how to contact them. A XXXX search was futile with regard to locating LISTED creditor. Representative went on to state that " I don't have to tell you anything other than that you owe the money. '' Not only was I covered by medical insurance at time of stated sI have filed two disputes with XXXX, both of which resulted in the collection being " accurate ''. I called XXXX in XXXX as well to report my experience and ask for the original creditor information. XXXX representative stated " We only have CRME FINANCIAL listed and a phone number for them. '' I told the representative that CRME refused to supply the requested information. I was then offered the chance to file a dispute via phone which I did. The dispute resulted in the collection being found accurate once again. I contacted XXXX  for the second time today, XX/XX/XXXX in an effort to obtain original creditor information again only to be met with the same response and offer as the first time. I took the offer to file another dispute by phone and told the representative that the collection agency is unlawful and has horrible reviews by consumers who claim that this agency files false claims, refuses to assist in resolving debt and is only interested in taking money. Some consumers claim that they still received calls to collect monies for debt that had been paid in full! I have contacted the only hospitals I've been to in my city, neither of which reported an outstanding bill for services rendered in the stated year or any other, for that matter. I have also contacted the insurance company I was covered by that year, and they have no claim filed by for the XXXX OR XXXX of XXXX by a radiology company. This is ridiculous. I am trying to buy a house! This company should be shut down, or investigated at the very least. Why will no one help me? If I owe a debt, I resolve it. Being given the runaround is absurd, especially in this case. This is my life! I am a registered nurse and pay taxes. I'm appalled.
Consumer complaint received 2022-03-01
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 (CA)

I applied for a Capital One XXXX card which required a personal credit check. After being declined, I called to inquire as to what I could do for possible reconsideration. After speaking with the rep they reassured me that I would not get a hard inquiry as a result of my reconsideration inquiry. The next day I received another hard inquiry for the same card... so two inquiries for one card which is now having an unnecessary adverse effect on my credit report. In the end, I never received the card.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (OH)

On XX/XX/XXXX, I attempted to purchase 1 set of tickets from XXXX through my PayPal account and I was charged twice due to a fluke in the system. With my bank, I stopped payment on the duplicate amount. My account balance reflected negatively with PayPal {$430.00} and I disputed the amount with PayPal because of the duplicate charge and never receiving the tickets from the order. The dispute was won in my favor and Papal received the chargeback of {$430.00}. 

I have many transactions coming in and out of PayPal and I am unable to utilize my checking account as they have restricted it. I have been a customer with PayPal for over 11 years, since 2011 and I have used the same checking account that is now been blocked. I do not have repeat patterns of abuse and I can not even pay my upcoming bill with my checking account, which is due XX/XX/XXXX. 

I was advised to borrow money from a friend to put in my PayPal balance or link a new checking account in order to pay my bill. I have over $ XXXX-XXXX  worth of transactions going in and out of my account. This is an inconvenience and I don't appreciate it since I disputed the transaction and won. I don't believe I am treated fairly as I have been a customer for over 11 years and nothing like this has ever happened. I would like PayPal to reinstate my personal checking account so, I can pay my bills and conduct business. 

In addition, I have called a few times and no one at the company is taking a payment for my upcoming bill. This will cause late fees and ultimately a report to the credit bureau. I was not offered alternative methods for payment. Also, I have other bills coming out of my account connected to my checking account, such as XXXX, XXXX, XXXX, which is also connected to PayPal and those payments have been coming out with no returns for years. Please help me CFPB.
Consumer complaint received 2022-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Southern Management Systems Inc. (FL)

Southern Management Systems submitted a collection of {$1700.00} on behalf of the XXXX XXXX XXXX XXXX XXXX. in XXXX, Florida I am not disputing the debt. I am disputing the manner in which Southern Management Systems associates disrespected me when I tried to acquire any information about the account. Any questions I asked about the account was constantly met with a hung up phone call. An associate would tell me if I was on speaker phone or a Bluetooth phone they would not speak to me-call when I could speak alone without anyone around. They asked for my name, address, phone number an last four numbers of my social security number. I gave them this information on XXXX, 2022. It made me suspicious of the validity and proof of the debt because they did not have any information. Southern Management Systems will not communicate with me. I am requesting that Southern Management Systems delete and remove this erroneous collection on my credit report. A reply would greatly be appreciated. 
Southern Management SystemsXXXX # XXXX XXXX XXXX XXXX XXXX Fl/XXXX
Consumer complaint received 2024-03-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Grogan Law Group, LLC (NJ)

I received a court action advising me that I was being sued. After having paid the bill with them, they are continuing to harass me. And now saying that the resolution is through the court, and that I should file a motion to respond to these documents. 
As an aside the group has been calling me and of course only saying they are attempting to collect a debt. I call back and leave messages and not one time did they respond back during a time I was available. Anytime I called I immediately had to leave a message. Ridiculous. I work. And am a XXXX I dont have time to answer calls from people who dont respect my time.
Consumer complaint received 2021-11-09
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX XXXX XXXX claiming that I have a {$7500.00} charge-off. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (FL)

I have been banking with ally bank for about 2 years now. I recently began experiencing issues with identity theft as well as unauthorized usage. I follow the baking rules and file the claim online and submit statements in writing with regards o what I think occurred. This last time I was violated in early XXXX and filed a claim. I was told my new card was ordered and on the at. I started receiving notifications before XXXX XXXX that my card was being declined for charges. I went to check online to see what occurred only to be told that my account is locked and I have no access. I reached out to ally bank and spoke with an agent who asked a series of questions and assured me that by Monday of the following week, I will have access or someone will reach out to me. I didnt hear anything and reached out again and was told it may take an additional week, I called this morning and spoke with an agent named XXXX who advised me that there is no timeframe and I will just need to wait. Meanwhile I have no access to my funds. I asked what is going on and the agent hung up the line. I called back and spoke with investigator XXXX who advised that there is currently a filed dispute with ally bank. She looked at the account overall and the checking account over the past 6 months it had been many disputes. I explained to XXXX that I am a victim of identity theft and went through a similar occurrence with XXXX XXXX XXXX. She continued to ask routine questions and then moved on to advise that with the loss prevention department, they dont have any process or handle with disputes. There was no regard for what I advised and she just explained that this process is not familiar and they are concerned with fraud and security but not me as a customer.
Consumer complaint received 2024-03-27
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

I received a letter from Citibank/Best Buy regarding my account- the letter stated that my account would be closed due to recently updated information on my credit report. I called the creditor and asked what was going on. The lady who I spoke to explained that my account was being closed due to a late payment from a different creditor being updated as 30 days late- I explained to the lady that the late payment from the different creditor was incorrect, it was a system error and it's being updated soon- I also explained I had documentation to prove it. I explained that if she reviewed my credit report holistically that she would see the dispute and the remarks. She became rude and said " Well, okay- the account would have still closed because the credit usage is high '' - I then explained, it's high because my credit limit was dropped by their company and that I haven't paid the balance off because I am on a promotional plan. She became VERY aggressive and short with me saying that NO MATTER WHAT the account was going to be closed because I am a " risk ''. I explained that I have had my account with the company for YEARS, I have never paid LATE, and I have made several purchases with my card and I have NEVER had these issues until the late payment ( Which is NOW removed and updated on my report ) was added. She refused to listen- she did not attempt to assist me with an appeal of anything. PLEASE PULL THIS CALL. - The rep 's name I spoke to was XXXX ID # XXXX.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Since XX/XX/2021, I have notified XXXX that they are reporting inaccurate information regarding an alleged bankruptcy and they still have not provided the information to show that they are reporting complete and accurate information : XXXX XXXX XXXX XXXX FLORIDA | DOCKET # XXXX | Date Filed : XXXX | XXXXr : XXXX | Status : Discharged Your cooperation in this matter will be greatly appreciated.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (NC)

My credit report showed an {$10000.00} home equity line with SunTrust as open when it was closed in XXXX. It was to be on my credit report until XXXX of XXXX. It showed a excellent payment history since the XXXX 's. I was trying to clean up my credit report after dealing with identity theft. And requested they mark it as open. Instead of fullfiling my request as it should have been handled, they deleted it instead. 

After cleaning up my identity theft on XX/XX/XXXX my XXXX was at XXXX after some very hard work cleaning up what had happened. When SunTrust deleted one of my credit histories with them instead of closing it like it should have been, my credit score with XXXX dropped immediately to XXXX overnight! XXXX told us that the fact that they deleted, instead of closing it, has they should have, caused me to suffer the score damage that resulted. They said this looks like we defaulted on the line as it was not to be it before deleted before XXXX of next year. 

I approached SunTrust by mail and by phone about this. In all cases they said now that it was deleted there was nothing they would be willing to do about it. 

I will be happy to provide copies of letters from SunTrust or any other information upon request.
Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

Over The past 2 years we have made countless calls to Shell Point Mortgage regarding assistance with a loan modification but to no avail. Shell Point mortgage service has been completely unfair in there constant request for additional documents. After all documents have been received I wait to hear from them only to be told they hadn't received documents or now need additional documents. I'm told the need exterior and interior appraisals by 2 separate companies causing more of delay. I have had 3 interior appraisals done in the last 6 months. After the appraisal has been completed I'm told that I need to wait 30 days for underwriter in which they ask for further documentation. We continue to send more docs both to their attorneys by fax and email. Even with the help of a housing counselor we are all spinning our wheels. Every 30 days they need more documents and updated documents and ultimately another interior appraisal just a constant circle and they moving faster and faster on a sale when Ive been trying desperately to cooperate but Shell Point has not been helping me and completely given me the run around and I'm being lied to. Please help me with my nightmare mortgage company.
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Management Group, Inc. (GA) (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on RECEIVABLES MANAGEMENT GROUP ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-07-29
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: SYNCHRONY FINANCIAL (FL)

This is a complaint against SYNCB/TJX DUAL CARD, the reason for these complaints is that several requests for credit appear without my authorization and without my permission, I requested via certified mail the elimination of these inquiries and you. You have not made any change in my credit report with XXXX. Because you have not done anything about it I request that the following inquiry be removed immediately from my credit report with XXXX. 1 ) SYNCB/TJX DUAL CARD, DATE : XXXX ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. This is illegal and highly injurious to my credit rating. Unless you immediately contact the credit bureau and remove this inquiry from my report, I will have no choice but to take legal action. Please govern yourself accordingly.
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

During XX/XX/XXXX, requested COVID help and applied to Mr. Cooper for a loan modification. Also, asked Mr. Cooper mortgage rep to remove unauthorized ESQ XXXX XXXX XXXX XXXX name from my mortgage statements. In which XXXX without my consent added his name & address to my mortgage statements from XXXX until PRESENT. 
On many many occasions I have asked XXXX XXXX to update fo my home address MD. After XXXX stop accepting my calls asked Mr. Cooper rep to 3-way in which in the phone call said he no longer represent me. So far, a stall & no modification yet
Consumer complaint received 2021-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$810.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2019-06-04
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. (CA)

I have submitted several disputes to the 3 major credit bureaus ( XXXX, XXXX, and Transunion ), as well as the secondary company XXXX. I know that under the FCRA, they are to properly and thoroughly investigate any and all disputes. I have received a letter from XXXX stating that they DID NOT verify the account that I am disputing, a bankruptcy in California. This account was removed from XXXX records on XX/XX/2019. Yet, Transunion has sent me a letter marked XX/XX/2019 stating that they have verified this same account through XXXX, the same company that has removed this from my consumer record. I currently have a CFPB dispute against XXXX for the same reason. 

Transunion clearly states on their website that they use XXXX to verify public records. So if XXXX did not and could not verify this account, how did Transunion verify it if they use XXXX? 

This is a clear and present violation of my FCRA rights, and this shows that Transunion did not properly and thoroughly investigate and verify the disputed account in question.
Consumer complaint received 2021-02-12
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. (CO)

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NY)

I was wrongly placed under a collection account that I have already paid off approximately XX/XX/2020 and was removed from my credit history. The original charge was under XXXX  XXXX retailer for a charge of approximately {$60.00}. A few weeks later I continued receiving collection emails for a charge I paid off then somehow grew to {$320.00}.