davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TN)

I have received mail from Credit Collection Services saying I owe XXXX to a creditor named XXXX XXXX XXXX. The mail is addressed to my maiden name. I have not used that name in 24 years. I have carried insurance for 30 years and always pay my bills. My credit reports drawn yesterday are spotless. I believe this attempt to collect XXXX is a scam perpetrated by Credit Collection Services.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC (FL)

Hi, I became delinquent on my mortgage loan from XX/XX/XXXX on XX/XX/XXXX. For 7 years I have suffered consequences of this action on my credit reports. 
The new company servicing the mortgage : Shellpoint Mortgage Servicing ( Shellpoint ) started to report that I am being late on my mortgage payments only as of XX/XX/XXXX. This information is incorrect since I stopped making payments on my mortgage in XX/XX/XXXX. It is the same loan. The loan is now in litigation as of XX/XX/XXXX. I received accelarated note long ago. I do not get normal monthly statements based on which Shallpoint could report to the Reporting Agencies that I am being late with my mortgage payments as Shellpoint is reporting. The statements I receive only for example show Reinstatement Amount of {$220000.00} ( as of XX/XX/XXXX ) rather than normal monthly mortgage payments. 

In addition, Shellpoint on my mortgage statements shows implicitly delinquency date on my mortgage of XX/XX/XXXX ( calculated from the statement : " As of XX/XX/XXXX, you are 1,994 days delinquent on your mortgage loan '' ) in order to circumvent the requirement about not reporting on the debt that is delinquent for more than 7 years according to Fair Credit Reporting Act. 

The fact the issue is not settled after more than 10 years of delinquency shows the weakness of the bank 's case and I should not be punished in excess of what is allowed by law ( 7 years ) of reporting delinquent debt information. Shellpoint has recycled the old information in order to put extra pressure in negotiating the settlement. Use of these unethical tactics should be disallowed and the company should be punished.
Consumer complaint received 2023-06-24
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: EQUIFAX, INC. (MI)

Inaccurate information. 

Creditor Information XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$10000.00} Closed Overview You have 100 % left to pay on this collection. 
Balance {$10000.00} Highest Balance {$10000.00} Opened Account status Type Responsibility XXXX. XXXX, XXXX ( XXXX yr ) Closed Derogatory Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX  Closed No Into
Consumer complaint received 2022-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash Curtis & Associates are trying to collect a debt thats is not mines and have been paid off. My credit score dropped because of this non sense. Please I need help resolving this issue. Thank you.
Consumer complaint received 2019-04-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

I have agreed to settle my XXXX XXXX debt for a single payment of {$1000.00}. I have documentation supporting a single-payment transaction. Midland Credit Management debited my account twice for {$1000.00}, leaving my balance at only {$89.00}. I contacted MCM on Sunday,XX/XX/2019 and a supervisor advised me that they were experiencing a glitch in the system. He assured me that the funds would be returned to me in 48-72 business hours. The supervisor stated that I can call the following business day to confirm when the funds would be returned. I called MCM again on XX/XX/2019 to advise them that both transactions officially cleared from my bank account and I still have not received a refund. I then spoke to a new supervisor who advised me that they are trying to fix the issue and it can take up to 30 business days. I informed the new supervisor that this was not the information I was given two days ago. He just apologized and said that there was nothing he can do. I requested to speak to a manager. I waited on hold for 15 minutes to be told that they would look into it. I agreed to a single-payment of {$1000.00} and was ripped off an additional {$1000.00} with no guarantee that the funds would be returned. I am currently XXXX weeks along in a high-risk XXXX on bed rest.
Consumer complaint received 2019-04-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

I was contacted by a rep from XXXX XXXX XXXX regarding a {$100.00} debt. The rep offered to settle the account for {$60.00} and that if I paid that it would never hit my credit report. I agreed under one condition, that he send me a written settlement offer. I told him in the past collection companies had offered to settle only to have me pay the settlement amount and then attempt to collect on the remaining balance. I gave a {$20.00} good faith payment at the time and told him I would make the remaining payment. Some days later I check my report and the debt is showing on it. I called back and ask him why it showed since he told me it would not. He said he would submit a request to have it removed. He also emailed me a copy of the settlement letter. I paid the remaining {$40.00} to close the account. However, I checked my report again and the remaining balance is being reported. I contacted them but they say they have no record of a settlement ever being offered and that the rep that I was dealing with no longer worked there. I have asked them to review the calls since they are always recorded.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and TransUnion both report an " XXXX  XXXX XXXX Score '' ( Code 08 ) that is IMPOSSIBLE TO KNOW IN ADVANCE, and there is NO WAY to " improve it '', when there are ZERO ADVERSE ITEMS in both the " XXXX  '' AND the " TransUnion '' report! 

This score appears to be COMPLETELY DIFFERENT from TransUnion 's " overall '' credit score that gets given to this consumer via his bank on a WEEKLY BASIS!
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am unable to log into my Capital One Online account. After submitting documents verifying my identity, Capital One still can not resolve this technical issue. I have spent over XXXX hours with Capital One representatives and still this issue can not be resolved. 

In the latest attempt, Capital One rep, removed my Venture credit card from my Online Account and tried to re-associate this back and was not able to.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WV)

COMPLAINT on XXXX, XXXX, Experian : My wife and I are senior citizens. We have submitted information to have changes to show combined income but nothing happens. Jointly, we have an income of {$72000.00}. However, the reporting agencies show me at {$32000.00} and my wife separately at approx. {$30000.00}, which first of all is incorrect in amounts. BUT the main concern is that My debts are reflected in her income and her debts reflected in my income level. Therefore, the debts ideally are considered twice lowering both our scores. It seems that if both of us are responsible for the same debts then the total combined income should be used when doing so. What they are causing is an imbalance of our debt to credit percentages which poorly reflects our credit worthiness when these reports are pulled for service to us. Please help us with having this considered and adjusted. Thank you.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NC)

Marcus is not fully reporting balance information and balance history to the credit bureaus. I am unaware what the impact is- if any - positive or negative - to my credit report. However, regardless, I would like my entire balance and payment history- which is 100 % on time - to be reported accurately in full.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My Menards card was declined in the store on XX/XX/XXXX. I called Menards Billing at XXXX, spoke w/XXXX  who said the account has been closed due to " months and months '' of non-payment. I explained my current bill ( XX/XX/XXXX thru XX/XX/XXXX ) showed {$330.00} due on XX/XX/XXXX, which was paid in full on XX/XX/XXXX. Further, there was a {$62.00} payment made on XX/XX/XXXX, so there was no " months and months '' of non-payment. I did miss my XXXX payment, however I also explained that I had called Menards Billing regarding my bill each month to let them know I was experiencing hardship due to an XXXX injury resulting in XXXX to my XXXX XXXX, requiring XXXX in early XX/XX/XXXX, which left me unable to work during all of XXXX and most of XXXX. I also explained at that time that I now have new employment working for the XXXX XXXX system, and my income is increased substantially. XXXX was apologetic, however he said the account has been closed and nothing further can be done. He welcomed me to apply for new credit if I still wanted to do business with Menards. I never received any notification of impending account closure, neither via phone call or email, and my account was paid in full on XX/XX/XXXX. In addition, when I log on to my account billing, it shows a current balance of {$0.00} with available credit of {$3500.00}, giving appearances of the account being active and in good standing. Please assist! I would like for my account to be re-opened in good standing with no reduction in credit. Thank you, I appreciate your expertise!
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

I was stupid enough to place an offer to purchase a " laptop '' computer on line. 
When it did not arrive I told my credit card when the cost was put on my bill. They contacted Pay Pal as they handled the money. Pay Pal used information from the company to try to justify the payment. The document gave no proof of delivery to my office ( which is always open with employees available ). They also gave the name of the delivery company except the name is in " XXXX '' and had NO PROOF of any delivery. Apparently, Pay Pal is willing to take a statement without demanding any proof. They asked me to show proof of no delivery when that is impossible since no one ever set foot in my office.

Unfortunately this scam has help from a company that should care who they are working with ( Pay Pal )!
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act the following company & accounts have violated my rights ; XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account numberXXXX XXXX XXXX XXXX Account number XXXX 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
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i disputed this account with Transunion XX/XX/XXXX for the account being paid in full, settled and too old to be on my account it was settled XX/XX/XXXX. Transunion investigated and did nothing to my account when finalized on XX/XX/XXXX.
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have asked the credit bureaus several times to review and verify the late payments on both accounts of Dept of ED / XXXX account number XXXX. They have came back as verified and accurate. I have researched and found that the late payments are not accurate and need to be deleted. In accordance with Fair Credit Reporting Act Dept of Ed / XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states that I have the right to privacy. 15 USC 1681 Section 604 A states that a consumer reporting agency can not furnish account information without my written instruction. And all information should be reported accurately.
Consumer complaint received 2022-03-31
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)

XXXX, Experian and XXXX is showing Negative accounts that are not listed on my credit report. If not listed they need to be removed. I have a paid account to XXXX XXXX  that is listed on my credit report. Also hard and soft inquires were not apporved by me. 
In accordance with the Fair Credit Reporting and XXXX, XXXX has violated my rights. 
15usc 1681 Section 602A State I have the Right to privacy.

15 usc 1681 Section 604 A Section 2 H also states a consumer reporting agency can not furnish my account information without my written consent.
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX and Transunion is showing Negative accounts that are not listed on my credit report. If not listed they need to be removed. I have a paid account to XXXX XXXX  that is listed on my credit report. Also hard and soft inquires were not apporved by me. 
In accordance with the Fair Credit Reporting and Convergent, Equifax has violated my rights.

15usc 1681 Section 602A State I have the Right to privacy.

15 usc 1681 Section 604 A Section 2 H also states a consumer reporting agency can not furnish my account information without my written consent.
Consumer complaint received 2022-03-31
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. (VA)

In accordance to the fair credit act XXXX XXXX XXXX account number XXXX, XXXX account # XXXX, XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602A : I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : A consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2022-03-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (MO)

Choice Recovery put a fraudulent account on my credit report without prior notice of any kind, that has severely damaged it. I contacted themXX/XX/XXXX & informed XXXX XXXX that the account was fraudulent & to please mark as such. She told me twice that she would not. I requested a supervisor, she said one would contact me by the next business day. I still have not received a callback. I emailed them asking for account to be removed immediately do to fraud.
Consumer complaint received 2019-10-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NJ)

XX/XX/2019, I was contacted by Freedom Mortgage, our current mortgage company. XXXX XXXX, loan officer, offered a refinance opportunity to drop our current rate by half a point, which would get us to 3.5 %. He let me know the benefits of refinancing with freedom mortgage and we agreed. 

My wife and I have signed several e-documents and we also submitted all requested documentation in a timely manner. In the middle of XX/XX/2019 I received a call from Freedom Mortgage collections asking us to pay for month of XX/XX/XXXX. 

My wife also had a follow up call with XXXX and he let her know that all documentation was submitted and we were set to close. Unfortunately, XXXX XXXX, stated that we did not submit our proof of occupancy. I contacted my wife to verify and I found that she did submit all documents requested. 

We never received correspondence from Freedom Mortgage requesting a certificate of occupancy. I do, however, have proof that XXXX XXXX only requested a current utility bill and a current pay stub. No specification was provided on both husband and wife or other. I have the email saved from Freedom Mortgage to prove this. 

Lastly, I spoke to XXXX XXXX, XXXX, on XX/XX/XXXX. She told me that she understood our issue. Her plan to resolve this issue was to waive the interest accrued for the month of XX/XX/XXXX, waive the closing cost for XX/XX/XXXX and to also waive XX/XX/XXXX mortgage payment. She told me that she would follow up with an email verifying what she said to me after our XX/XX/XXXX payment posted. Our payment has posted, I have called her, with zero response nor have I received a confirmation email.
Consumer complaint received 2019-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

I dont know this credit collector XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/2018 {$690.00} Collection. Now my credit is down because of this. I never go somewhere else only my Doctor I always see from XXXX XXXX in XXXX MA. I was XXXX from XX/XX/2018 to XX/XX/2018 I had XXXX as my insurance I dont know why they put my name in credit collection. Please help me I dont know this.
Consumer complaint received 2019-10-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I was orginally sold a loan at XXXX years old for school at {$6200.00}. About a year later i paid {$2000.00} on the loan. Everytime i called Navient they lied and told me forbearance was my best option when i couldn't afford payments. Never making me aware that my interest capitalizing would make my loan extremely higher and therefore making my payments even higher in the end. As of right now, i am trying to pay the loan in full and they refuse to work with me. Today i owe nearly {$8000.00} on the loan bringing the total to {$10000.00} on a 7 year student loan. It is just robbery and should be illegal what they do to new college students just trying to pay for schooling.
Consumer complaint received 2019-04-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

I've had a mortgage loan with Flagstar Bank since XX/XX/XXXX. My taxes have been deferred due to my XXXX XXXX since about XX/XX/XXXX-XX/XX/XXXX. Deferment means the county doesnt collect on my taxes, however they still accrue but Im not required to pay them until I sell my home. In XX/XX/XXXX, I received a new escrow analysis from XXXX with my payment going from {$900.00} to {$1700.00} because XXXX paid my taxes which resulted in a negative escrow balance. I called XXXX and told them that my taxes were deferred which was also reflected in their system. They said it a mistake on their behalf and would be corrected, they would start working on getting a refund from the county in which they paid. On XX/XX/XXXX they informed me that there was nothing that could be done because they couldn't get their money back from XXXX County. I explained to them that this wasnt my fault and it was a mistake on their part. Not only that, I set up an automatic payment for the {$900.00} because I was told my payment would still be the same. On XX/XX/XXXX,  they withdrew the full {$1700.00} from my bank account. This resulted in my bank account going into the negative and all pending payments sent for bills were returned. Please help me. Im on a fixed income and can no longer afford my mortgage because of their mistake which they're unwilling to take accountability for. Additionally I never received correspondence indicating their decision to keep my payment at the higher amount. Even though I was told by the escrow department back in XX/XX/XXXX that my issue would be considered " high priority ''. However I didn't find out until the debited my account for the {$1700.00} instead of the {$900.00}.
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (FL)

Every month Planet Home Lending sends me a mortgage statement that has fees and charges on it of {$1800.00}. When I called Planet Home Lending to ask what those fees and charges represent, they could not tell me anything other than the fees and charges were transferred over to them from the previous servicer. In addition, I made an additional payment of {$1500.00} on XX/XX/2019 which was not applied to my account.