davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX I called into Shell Point Mortgage to ask about an property tax refund that was in the escrow account since XX/XX/XXXX ( {$8500.00} ).  They said that they would take care of it and send me a check right away. 
I hear and see nothing for weeks so go through their chat service on XX/XX/XXXX. They said they had to evaluate the escrow balance and then send the surplus. 
I get a mail response on XX/XX/XXXX saying that they will refund me {$7700.00} and that the check was included in the piece of mail. It was not. They included a sample fake check which I can not cash. I send them another message on XX/XX/XXXX but it's an email since their hours of operation are closed ( no phone, no chat ). 
On XX/XX/XXXX I receive a letter in the mail saying " due to the complex nature of the matter '' that they request more time to fully respond to my inquiry. The letter was dated on XX/XX/XXXX. 
Shell Point Mortgage has repetitively put off giving me my money and has held onto it for 2 months. They had it for a month and didn't mention anything to me or send a refund.They said they sent a check and the account says it's gone, but they didn't send a check and instead send a fake sample check. They are avoiding paying me and paying me interest since there is no check and they are hoping I don't notice and they have to send a new check. They are abusing me and my money. 

NewRez LLC dba Shellpoint Mortgage Servicing XXXX. XXXX XXXXXXXX XXXX, SC XXXX Main Office NMLS ID # XXXX NewRez LLC dba Shellpoint Mortgage Servicing XXXX, TX Branch Office NMLS ID # XXXX
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TN)

On XX/XX/2022 I accepted an agreement to make three consecutive payments in exchange for an account to be removed from my credit reports. All payments have been made but neither company involved have followed through with agreement. I feel this would be considered fraud and a violation of laws.
Consumer complaint received 2021-02-15
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: SYNCHRONY FINANCIAL (TX)

XX/XX/XXXX Opened a Chevron/Texaco affinity Visa card service by SYNCHRONY BANK - credit limit {$2500.00} ( my credit score is between XXXX ) ; XX/XX/XXXX started using the card for my company 's drivers mainly at Chevron Gas stations XX/XX/XXXX balance is {$400.00} - I made the first payment online through company 's Synchrony Bank 's website XX/XX/XXXX email received confirming " payment posted '' - available balance not updated to reflect payment XX/XX/XXXX balance {$720.00} - made another payment of {$720.00} - bank website XX/XX/XXXX email received confirming " payment posted '' - available balance not updated to reflect payment XXXX spoke to company representative who informed that " payments are on hold '' while thy " determine my payments pattern '' due to new account - this is without any " returned payments '' - representative advises that payments are being held for up to 9 days! 
Agent advises that making payments on " debit card '' is quicker and will credit in 24 hours XX/XX/XXXX - Payment of {$1000.00} made on debit card linked to my business account that'd a balance of over {$90000.00} XXXX Received email confirming " payment has posted '' - balance fails to reflect the payments XX/XX/XXXX - None of the payments had been reflected in " available balance '' XXXX spoke to multiple representatives and supervisors who told me that " payments can be held for 9-10 days '' and that I was ERRONEOUSLY told to make a payment on debit card as that payment also would be held for 9-10 days! 
All payments made had cleared my bank account in 1-2 business days Contact made with Social media " executive linked representatives '' XXXX, who pretty much repeated all the above while being unable to answer the question " What does it mean when your email says my payment has posted? '' but the balance is not updated??? 
FYI-My debit card payment made on Friday XX/XX/XXXX cleared my bank account on XX/XX/XXXX the very next business day. 
Why in an age of electronic banking does Synchrony Bank claim that they have not " verified payments '' and can not tell me what that even means? 
How can Synchrony Bank deceptively send confirmation of payments but not make the balance available? 
New account or not, unless they have another reason and experience to " hold payments '' this should not be allowed and is illegal as it it is clear Synchrony was receiving the funds in 1-2 days.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-12
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} XXXX PM XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$640.00}
Consumer complaint received 2023-06-12
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. (MO)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00}.
Consumer complaint received 2018-04-09
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: EQUIFAX, INC. (MD)

There was an unauthorized hard inquiry made by XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX.

There was also an unauthorized soft inquiry made by XXXX XXXX XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (CA)

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. XXXX XXXX XXXX, in amount of {$500.00} 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 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance XXXX {$3700.00} ; XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-04-08
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: Conn's, Inc. (TX)

FRCA Violation credit card XXXX XXXX FRCA Violation loans CONN APPLIANCES INC XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-04-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days
Consumer complaint received 2019-04-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services (CA)

MERCEDES-BENZ FINANCIAL SERVICES Account number XXXX REPORTING A PAST DUE BALANCE AND ACCOUNT IN CHARGE OFF WHICH IS NOT TRUE.. AND VIOLATION OF F.C.R.A. RULES AND REGULATIONS. 
I WAS NEVER LATE ON THIS LEASE AND WAS NEVER PAST DUE. THEY OFFERED TO WAIVE FINAL PAYMENT AND FEES IF I LEASED ANOTHER VEHICLE BEFORE THE LEASE WAS UP. I DID BUT THEY MISREPORTED THIS ACCOUNT TO THE BUREAUS AS A NEGATIVE IT IS NOT TRUE ... PLEASE HELP
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Consumer complaint received 2019-09-30
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: SUNTRUST BANKS, INC. (NY)

I previously disputed a student loan from XXXXSun Trust Bank with the credit bureaus that was unfamiliar to me and they have came back verified. I received a promissory note in the mail which I signed but it was never with XXXXSun Trust Bank. The promissory note that I signed agreeing to the loan is with XXXX not with XXXXSun Trust Bank.
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In XX/XX/2019 I closed my VISA VENTURE credit card account with Capital One. Then On XX/XX/XXXX I made two prescription charges for the amounts of {$480.00} and {$370.00}, which, instead of billing them on my XXXX XXXX account, were auto-billed and subsequently paid by Capital One ( without my permission ). 
On XX/XX/XXXX I received the billing statement from Capital One, which showed the error. I immediately called Capital 1 and asked them to reverse the charges, and in a conference call with XXXX, requested the latter to rebill my XXXX XXXX account. This was done on XX/XX/XXXX and I subsequently paid for those charges to XXXX. 
On XX/XX/XXXX I received a statement from XXXX, which showed that " a chargeback was processed and created debit memo '' of {$480.00}. When I tried to place a new prescription order, I could not do so without first paying this erroneous debt, caused by fraudulent charges created by Capital One. My inability to order new urgent prescriptions ( of XXXX, XXXX  and XXXX XXXX medications ) is placing me into a life threatening situation entirely caused by Capital One, which appears to be playing games with my account, for refusing to honor my request to close the account back over 6 months ago.
Consumer complaint received 2019-09-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I have three ( 3 ) late payment for the months of XX/XX/2019, XX/XX/2019, XX/XX/2019 My mortgage bank notified me of being in breach of contract and I had until XX/XX/XXXX to remedy the breach. 

Mortgage payments are $ XXXX month All late payments were paid on the following dates : XX/XX/2019 in the amount of $ XXXX by check XX/XX/2019 in the amount of $ XXXX over the phone XX/XX/2019 for the amount of $ XXXX over the phone The Bank has notified me that there was no payment posted or made on XX/XX/2019 for the amount of {$700.00}. 

However, my personal bank and checking account statements show a mortgage payment by phone was made and charged by the mortgage bank. 

The mortgage bank requested my bank statements to be faxed to their office to help open an investigation into the missing mortgage payment. 

Upon notifying the bank of my faxes sent and sending the bank statements to two different fax telephone lines, a bank rep mentioned they never received the fax statements, yet the fax machines I used for both lines confirmed the statements were sent successfully. 

I contacted the mortgage bank to discuss another discrepancy that occurred on the same date as the " lost payment '' ( XX/XX/XXXX ). Immediately after making my payment and changing my contact information, I received -- by email and by direct mail -- a confirmation letter addressed to a different person altogether! 

Some man and name I do not recognize. 

It is now XX/XX/XXXX as of writing this complaint, I called the bank to discuss my faxed paperwork and the discrepancy for the unrecognized name. The rep who answered was instructed by management to tell me they were too busy and too understaffed to handle my call and would call me back on my cell phone at a later time.
Consumer complaint received 2019-09-30
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND INQUIRIES AND I DO NOT KNOW HOW AND WHEN SUCH ACCOUNTS WAS PLACED ON MY CREDIT. BECAUSE OF THESE NEGATIVE ACCOUNTS MY CREDIT IS IN A VERY HORRIBLE STATE. IT HAS ALSO BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-06-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2018-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

While reviewing my credit report I noticed an account from XXXX XXXX so A letter dated XX/XX/2018 was sent to XXXX XXXX specifically stating and asking for validation of the debt via Certified mail. XXXX funding did not validate the debt that was asked and only sent a letter with a current balance that's due and an address for the original creditor, but did not validate as was asked in the letter. Attached is the letter that was sent via Certified mail and the agency 's response.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

My company is USAA I am currently going through a identity theft, and scam. I recently applied for a job through XXXX and got hired for a XXXX XXXX position. They sent me a check of {$4800.00} that was deposited in my account savings account. {$300.00} was supposed to be a sign on bonus and the rest of it was supposed to be used to purchase equipment. When the check hit my account half of it was put on hold. So I did as I was asked and they had me send {$1000.00} to them for equipment, and the rest of it went towards a crypto currency. After realizing the other half of the money was on hold they send that amount of money to me again, and then I was supposed to send them the money that is on hold back to them. By this I spent another {$1500.00} on crypto currency again, and this was the time I thought something was weird. I started looking more into the company and after calling the storefront they informed that the job hiring was a scam and that they have been doing this for awhile now. As soon as I found out about this I instantly called my bank and let them what was going on. I also filed a local police report as well. The way the scam works is they would send you a check to spend all this money and then would cancel the check. Then the person that was scam ( Which is me ) would be force to pay that money back. After my bank investigated the situation they told me that there was nothing they could do about this. So I filed for another investigation, and submitted my police report with this one. I also tried to dispute charges for the crypto currency that is on my account and I was denied on that as well.
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (AZ)

XXXX sold my debt to True Accord and I made all of the payments and paid this debt off completely on XX/XX/XXXX! XXXX is still reporting that I owe a balance of {$690.00} and is negatively impacting my credit! I am unable to buy a home because of this! XXXX reported this balance again this XX/XX/XXXX! The debt has been paid in full for over 4 months now and I am now going to rake legal action against XXXX if this balance isnt removed from my credit IMMEDIATELY!
Consumer complaint received 2019-05-07
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: Experian Information Solutions Inc. (LA)

EXPERIAN is still reporting an UNVERIFIED ACCOUNT to my credit report. I contacted the creditor myself and they have responded on XX/XX/XXXX, stating they will be removing this UNVERIFIED ACCOUNT from my credit report. I DEMAND EXPERIAN REMOVE THIS ACCOUNT ASAP. 

UNVERIFIED ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX ORIGINAL CREDITORS RESPONSE : Company responded on XX/XX/XXXX, In your complaint it was indicated you have retained an attorney. We have closed the account in our office and a request was submitted to Experian & XXXX to have the aforementioned account removed from your credit report. In conclusion, we hope that you accept our explanation by considering that upon receipt of your concerns, we immediately escalated the situation and met your desired resolution. If you have any additional questions, please feel free to contact me directly. Sincerely, XXXX XXXX AVP, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (LA)

Hello I was surprised of this company continue to raise my payment every six months to a year, so I inquire about my monthly payment. This company claim because I am a XXXX XXXX that my payments will go by my income. I did what they ask, which was my pay stubs, income tax refund, other information and documents that would help to lower my payment most of all that my payment would stay the same for the next ten years. When I finally spoke with someone about pay off, they claim that I old about six thousand more than original because of interest. I could not understand the total price  was different form what they said. They stated that I had to consolidate in order to get the police discount for ten years, so I did. Now it's a different story, I am not allow to do much of nothing, they denied my every request. I asked if I can pay the original loan off, they stated that I have to pay original price off in full and more, there's noting we can do for you, I went through three people before this one nice person gave me some advise. The first arrangement I made with company is no longer valid, so this company pulled me in with false pretense. All I wanted to do is pay off my original loan.