davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (PA)

Several attempts have bin made to contact collection agency below for account validation, NOT verification. I respectfully requested that this agency provide me with competent evidence that I have any legal obligation to pay them, witch they have failed to do so. 
Collection Account : Receivables Management P, in the amount of {$510.00}. 
Address : XXXX XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2019-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

This has been ongoing since the Shellpoint Mortgage has taken over the servicing of our loan. The story is long but consistent. The short is we have a bi-monthly payment set-up with this company. We have always had our loan serviced this way as it works best for our budget. We have never missed a payment. According to Shellpoint,  their system requires an every other Monday payment schedule. I have called Shellpoint at least 20+ times regarding late fees and have been met with confusion but in the end the issue had been resolved for at least a few months until the letters start again about every 3 months. More phone calls made, the same response. This has gone on for 3.5 years. Finally, about a 1.5 ago, I spoke with someone who offered an auto payment plan that could put us on their schedule. I was always under the impression that the mortgage servicer could not change the payment schedule originally set up by the mortgage lender. but after years of frustration I finally caved. After 3 sign-ups with their plan and now a 4th, they still have not set up the plan and we are now getting threatening letters telling us about foreclosure and thousands of dollars of late fees and reports to credit agencies. I'm fed up and have no where else to turn.
Consumer complaint received 2019-04-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLD KEY CREDIT, INC. (FL)

Gold key credit inc- XXXX XXXX XXXX XXXX Amount : XXXX Date XX/XX/2016 but they sent it to the credit XX/XX/2917 I have been trying to solve this problem since my son pass that day. I went to hospital because my baby was in XXXX ended up losing him and having an emergency deliver knowing that he was not alive anymore. So as u can imagine until today this is devastating for me. The XXXX XXXX from the hospital I dont know why did not charge the right insurance, by that time my primary was XXXX XXXX XXXX XXXX XXXX and the second one was through my employer XXXX XXXX. Instead of the XXXX XXXX charged my primary they charged my secondary, so for that reason they did not pay. They are supposed to cover what the first one do not cover. The hospital charged my right insurance so I dont understand why if is the same visit the same day same reason why the emergency did such a big mistake. Please help me, they told me that is too late to fix this and that the primary insurance which is was XXXX XXXX is not going to cover. Its not my fault, please help me solve this problem to at least have a little peace for my son that pass away and for me. 
Thanks, XXXX
Consumer complaint received 2021-11-22
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. (FL)

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 accounts that are reporting on my Credit Reports : XXXX {$470.00} XXXX {$0.00} CXXXX XXXXXXXX {$470.00} XXXX XXXX {$57.00} XXXX XXXXXXXX {$3900.00} XXXX XXXX {$1300.00}
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (TX)

I re-consolidated a few credit cards in order to reduce my monthly payment into one. After have all the accounts transferred into one account for XXXX XXXX, apparently some credit card companies still reported my status incorrectly. Now I have delinquent accounts showing in my credit, and it does not allow me to purchase anything on credit, even though I am still making payments on all those expenses. I just want to remove the delinquent accounts under my credit. The Current Payment Status under Lending Club Corporation shows in collections, but the amount was transfer into XXXX XXXX and I am still paying on the amount. 

It also shows in their " remark '' notes that another lender purchased the debt, and Lending Club Corporation was paid.
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Recently requested a credit line increase on one card. Was denied and when I called in for more information was not given any information or help. I proceeded to explain to the customer service representative that I might consider closing the account if there was no possibility for a credit line increase. At this point the phone conversation was immediately disconnected. I logged onto my account soon after to find my account had been closed without any of my proper consent and the customer service representative now says that I authorized the closure of the account when I never did. In short, expressed an interest in closing an account, was immediately disconnected and my account was closed without my consent.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX and XXXXXXXX XXXX XXXX XXXX XXXX Defaulted on the Lawful Administrative Process and did not Respond to my last Notice sent XX/XX/2024. There was a total of 3 letters sent which is required in the Administrative process and they had a total of 45 days to produce proof and they failed to produce the documentation of my ORIGINAL WET INK SIGNATURE Promissory Note. XXXX avoided my request by making it seem like in both of their letters they sent to call the California office for information which that was not my preferred method of communication in the letters I sent them it was communication by MAIL ONLY to protect myself from CORPORATION Bullying and Harassment. My letter sent to XXXX, in XXXX was NOT a part of the administrative process. Consumer Financial Protection Bureau closed my complaint unfairly because a CORPORATION is Protecting another CORPORATION when they should be protecting the Consumers under the Consumer protection laws. I reject and Dishonor the final outcome of my lawful, truthful honest, legitimate complaint. Redress this issue because XXXX lost by them failing to respond to the final letter and not producing a Affidavit or the Original Promissory Note. 
Redress under the 18 USC 894 which protect Consumers. 

From : XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-04-17
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (AK)

Hello, I late payments for XXXX, XXXX, XXXX and XXXX of XXXX. At that time frame we were having serious issues with our Mortage company over a unacknowledged tax credit we have, we were getting false information about how this issue was going to be resolved, at first we were being told that the back pay would be applied to our next due payment, we would receive our next statement and see that it was not then we would have to back pay it to be caught up at which point Freedom Mortage representatives were telling us that again it would be applied to our next payment this cycle continued until we contacted our loan origination company to get involved due to our constant miss information and run around we were receiving, residential mortgage got In contact with a representative from Freedom Mortage who worked with us to resolve the issue. We ended up receiving a back payment check as we learned that the it could not be applied to a payment and that it was incorrect information that was being given to us! Our late payments were not our fault and are due entirely to faulty information given to us by Feedom Mortages call center. These late payment reports are drastically and negatively affecting our credit. 

Our point of contact has been XXXX in customer relations at Greedom Mortage. 
The customer care office who is the department that would resolve this will not return my calls or emails. 

I sent Freedom Mortages customer care center a email on XX/XX/XXXX and again on XX/XX/XXXX the second time I also CCed there customer relations office yet still with no response! 

Any help would be greatly appreciated Thank you.
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (FL)

The company name listed on my credit report is : The Bureaus Inc. the amount of the debt is {$2500.00}. I have no knowledge of this account nor have I received any notifications from The Bureaus Inc. regarding this alleged debt. My credit score is being negatively impacted due to this as I was denied credit today. I would like this matter investigated and resolved immediately.
Consumer complaint received 2019-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Restoration Account Privileges Customer was advised by BoA to close her account when she reported fraudulent activity reported above. All BoA accounts were affected since they were ( and are ) all linked. At the financial center located on XXXX XXXX XXXX, XXXX, VA XXXX, customer was advised to close and re-open account for security purposes. Customer enquired about the implications of closing and re-opening the accounts, to ensure that the old account privileges were/are transferable to the new account. BoA responded in the affirmative and assured customer that account privileges would be preserved and transferred to the new account after a couple of days. Customer was advised to return to the financial center or call the customer service number and the privileges would be restored. BoA has not honored this assurance, and customer still awaits in dismay. Please review details on account notes, from XX/XX/19 when account was closed and re-opened, and the phone conversations with multiple BoA representatives on XX/XX/19 from XXXX XXXX -XXXX XXXX, including XXXX of Texas, who again on the call noted that the privileges could be restored, but later changed her mind after putting me on a brief hold, for a consultation off line.
Consumer complaint received 2019-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

XX/XX/XXXX After checking my credit reports, I noticed that PlusFour Inc a debt collector had posted eleven medical accounts with credit bureaus as negative. I was never contacted by PlusFour Inc. 
I wrote to them the same day to request a debts validation for all eleven accounts by certified mail # XXXX XXXX XXXX XXXX XXXX and by regular mail. I had full medical coverage since XX/XX/XXXX except for the {$10.00} co-payment that're always get collected upfront and I only visit providers covered by my insurances company. 
XX/XX/XXXX PlusFour Inc refused my certified letter and was return back to me, except the regular mail.

XX/XX/XXXX Second request by regular mail to PlusFour Inc for accounts validations since I didn't get a response. 
XX/XX/XXXX Third request by regular mail for accounts validations - No responses. 
XX/XX/XXXX Received a collection bill from PlusFour Inc for XXXX XXXX XXXX for the amount {$110.00}, bill date XX/XX/XXXX. The same date I wrote back to them by regular mail requesting validation. 
XX/XX/XXXX received a bill again with a XXXX XXXX XXXX account statement showing zero balance, insurance company had settled with XXXX XXXX XXXX on XX/XX/XXXX. This  statement was provided to me by PlusFour , Inc how is that they refused to read this statement and were quick to bill me for something that was already settled. 
XX/XX/XXXX I responded again to them and took the opportunity to request validation for all eleven accounts reported on my credit reports by certified letter # XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX PlusFour Inc refused my certified mail again and continue to report inaccurate information to the credit bureaus. 
It's not fair to the consumers that collection agency chooses what mail to receive and which one to refuse, we the consumers spend a lot of money sending certified mail but, the collection agency due it thru regular mail when is convenience to them. 
I'll be attaching copies of the letters, certified mail receipts, USPS trackings and other documents as necessary.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX is inaccurately reporting incorrect and updated increasing balances on a account that is closed and dated over XXXX XXXX XXXX. This is negatively affecting my credit rating and i demand the accounts be removed with urgency as my rights state in FCRA.
Consumer complaint received 2019-04-16
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. (NY)

XXXX XXXX is inaccurately reporting incorrect and updated increasing balances on a account that is closed and dated over 18 years old. This is negatively affecting my credit rating and i demand the accounts be removed with urgency as my rights state in FCRA.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. Isn't it true legislation passed during the pandemic requires XXXX to remove all late payments from my credit report?
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

XXXX XXXX shows a late payment in XX/XX/2018 on my credit reports with all 3 credit reporting agencies. XXXX XXXX has provided a letter stating that this payment was not late and that they reported as paid on time XX/XX/2018. Because they reported it correctly they aren't able to submit a change and said I need to dispute with XXXX, XXXX   and Experian. I have tried with no luck getting the information corrected. This late is causing me to not be able to refinance.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Reference to case file # XXXX I Previously submitted a complaint regarding Transunion inaccuracy on my credit report. In checking the status I noticed I stated the account was sold and settled with another company. However, that is how Transunion report shows. 
The account was settled and paid as agreed. 
I have submitted a request to correct several times with no success. Transunion indicates it was verified and correct. The receipt I uploaded obviously shows their report incorrect and/or impossible to have actually reached out to the company for verification. 
I have uploaded the receipt ( attached to this complaint as well ) As of XX/XX/2023 the report is still showing the same thing. They did not even send me an update of verification this time around. I had to go in and check that is was completed.
Consumer complaint received 2019-10-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (CA)

It has come to my attention that payday lenders must be licensed by the state of California in order to offer loans to its residents. Since the company has no license in my state, the loan contract I have with them is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. However, to date, I received several loans through Big Picture Loans that dates back to year 2017 and have had several bi-weekly withdrawal payments from my bank account. I was charged excessive fees that were not legal in the state of California and have made several over payments on each loan acquired.
Consumer complaint received 2019-04-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Clearview Resolution Services (FL)

This company has made calls to myself, my wife, my daughter, and coworkers about alleged debt. The company representative told coworker that a summons was being issued to my place of employment and I or a manager needed to be there. I called the number given to ask about the debt and to request that my employer nor anyone but myself be contacted regarding the debt and representative said their office doesnt make the calls and he had no way of stopping calls. I wish to request for them not to contact me but they will not give me a way to do so. They threaten serving me but will not honor request to stop contacting.
Consumer complaint received 2023-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

A company called XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ph. # ( XXXX ) XXXX has flagged my credit report on XXXX, 2023. They are asking me to pay {$2300.00} for a debt on an account that I never had. I contacted them to dispute the charges and asked them to send me the original account holders info. After contacting the original account and verifying with them I have never had relations to them I then contacted XXXX again to inform them this is not my account.They told me they would send me an affidavit to sign, but instead reported a collection to my credit report the next day.
Consumer complaint received 2019-04-16
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 — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Nissan Motor Acceptance Corp is corrupt. Not only was a lied to at the dealership when i purchased the vehicle was sold a warranty that ran concurrent with factory warranty didnt realize until month later call to fix issue got the run around so i just chalked it up as me being conned. Which is horrible for business to even attempt let alone to make a regular part of business XXXX XXXX  please be careful people. Now next issue i had a couple of late payment they put a thrid that i gave them info that was incorrect i have been given horrible customer service since i first called to attempt to fix. This company is just the worst to do business with and i want other people to be careful before they enter into a agreement with these heartless corrupt liars.And the worst part the XXXX XXXX is a horrible car stay clear of it
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have several late payments reporting on my credit reports that are incorrect. I have late payments reporting sporadically from years XXXX and XXXX. I tried fixing the problem but XXXX XXXX is no longer my loan services. I also was informed that the company has filed bankruptcy and I do not know how to contact XXXX XXXX financial to have my credit reports updated and corrected
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-16
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. (CA)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6, 7, and 8 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.