davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I requested a loan modification which included waiving penalty interest and fees over a 15 month period amounting to more than {$800000.00}. Shellpoint Mortgage servicing sent me a modification agreement which agreed to reduce the principal amount as negotiated in the summary of the modification. However, in the Modification Agreement itself only the amount that the interest was calculated on was reduced. That means after I resume more affordable payments, at some point in the future I would refinance or otherwise pay off the existing loan and they would demand the full amount including penalty interest. In other words, the summary of modification promised one result and the actual modification provided a much worse outcome for me. The way it was done could be considered deceptive because I had to read it twice to understand and I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I notified ShellPoint that they needed to provide another modification and have not heard a response for the last few weeks although I do get random calls from people asking me what I plan to do about my scheduled payoff date. In other words, their internal systems seem to have no record that I'm in the modification process. Every person who calls seems to be clueless and they all promise to look into it and get back to me and no one ever does.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (NY)

My XXXX XXXX, XXXX and XXXX credit files have ( 3 ) accounts reported that do not belong to me. I have requested a reasonable investigation and my request has not been addressed.

These ( 2 ) accounts seem to be the same account and it's being reported twice and furthermore ; I have no recollection of neither these accounts. I am demanding an investigation and a full history of the accounting, any bill of sale or service contract bearing my signature.

1- XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Last Payment Made : XX/XX/2017 2-XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ( Retail ) Past Due : > $ XXXX<
Consumer complaint received 2018-08-01
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: Motolease, LLC (FL)

For the past years someone is using my personal information to put inquiries on my account and countiously try to open accounts every time. I have filed a police report every time. I have tried contacting the companies. Some help and others give me the run around. This all happened when i was XXXX in 2014 and i had lost my backpack at school at the University XXXX XXXX which had my new bank card along with all my personal information including my social secruity number which i had used that day to apply for financial aid. Ever since then i have had identy theft
Consumer complaint received 2022-06-13
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. (FL)

I WAS REVIEWING MY RECENT CREDIT REPORT AND THERE WERE ACCOUNTS WHICH ARE NOT MINE. I HAVE NEVER APPLIED TO THESE CREDITORS, I'M NOT RESPONSIBLE FOR ANY OF THESE DEBTS, I HAVE NEVER SIGN CONTRACTS OR AGREEMENTS WITH THESE COMPANIES.
Consumer complaint received 2019-03-21
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. (MI)

I Have a problem with all 3 credit reporting agencies and how my FICO scores have been updated/handled, which would be XXXX, XXXX   and Trans Union. I have been trying to work on my my credit scores since late XXXX. What has happened with my credit scores recently is after paying off a debt or collection account, my credit report will be updated showing this information but it shows like a new collection account even though i paid my balance down to {$0.00}. This will cause my credit score to drop drastically. The first time this happened was around XX/XX/XXXX and my score dropped about 40-44 points  across all 3 credit bureaus. 

Just recently ( XX/XX/XXXX ) my credit score dropped about 35 points for no reason. The only thing changed with my credit was i dropped my credit card utilization % between XX/XX/XXXX and XX/XX/XXXX. I have no idea why my credit score dropped and this has and will cost me and my family a lot of money. 

Over the last 3-4 months, i have lost about 80 points on my credit score for simply trying to pay my bills and do the right thing. I'm looking into an explanation as to why my credit score has dropped and if it is found that my credit score was dropped incorrectly, i would like for this to issue to be resolved by updating my credit score properly and giving me back my 80 points lost over the last 90-120 days.
Consumer complaint received 2018-12-07
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. (FL)

I wrote to XXXX  and TransUnion Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of XXXX. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of (2) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In my credit report CAPITALONE ACCT # XXXX shows a late payment on XX/XX/2013, the information is incorrect, this account was setup in automatic payment and they made a mistake in processing the payment.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MI)

The accounts reported by Navy Federal Credit Union ( a credit card in the amount of {$7500.00} and a personal loan over {$10000.00} ) were formally requested under FCRA guidelines on XX/XX/2023 to be validated. The debtor refused. The personal loan was a motorcycle loan- the debtor requested the payoff letter from them showing verbatim paid in full be provided, it was. Still they refuse to remove these fraudulently reported accounts. As I have followed federal laws and regulations outlined the the FCRA and the debtor has far surpassed their legally allotted 30 days to provide validation these accounts can not legally stay on my credit report. Please remove them promptly. All attempts to get the debtor to cooperate have had no result.
Consumer complaint received 2020-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX HELVEY & ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious HELVEY & ASSOCIATES IN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2018-12-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HSBC NORTH AMERICA HOLDINGS INC. (RI)

Credit Card application Fraud. HSBC has a help line but I have been on hold every day this week for 3 hours each day and I cant get anyone to answer the phone. XXXX XXXX XXXX. 

They must have 3 people working the phone for thousands of calls and they DONT CARE ABOUT THE CONSUMER. 

The issue is my credit report shows unused lines of credit for {$200000.00} opened by a criminal. 

Please help me. if it helps. I have some old friends that you work with from the FDIC.
Consumer complaint received 2018-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

While working to close on a house, I received an email from an individual I thought was with my closing company along with another email address that appeared to be my realtor 's email address asking about wiring money for closing. After a few emails back and forth, I wired the money per the instructions provided due to email representing my realtor looking legitimate. The wire transfer occurred on XX/XX/18 for {$44000.00}. The wire went between USAA and XXXX  XXXX XXXX.
Consumer complaint received 2021-09-20
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. (FL)

Hello, I tried to follow the law and started to send letters to the XXXX in order for them to eliminate the accounts and the information that is incorrect on my credit report. They are not answering me and they are not doing anything on my credit report either. 

I just want to be able to find a resolution, and they are just ignoring my letters.
Consumer complaint received 2018-12-07
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. (TX)

Payments were posted in XXXX and XX/XX/2018 for my XXXX  account. Still there is 30 d late reported to XXXX/Equifax and XXXX. I asked XXXX/Equifax and XXXX  to investigate. They still keep show 30 day late.
Consumer complaint received 2018-12-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

Equifax is allowing creditors to report false information on people credit reports. XXXX  has done the same investigation and these accounts were removed from my credit report however Equifax is reporting a false delinquency date to continue to report false information. I have two accounts in my report past the legal time frame. One for 10 years the other 7. I also have an account that has been paid that they want remove.
Consumer complaint received 2018-04-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (IN)

Our mortgage is included in Bankruptcy and payments are being made through bankruptcy filings.

A large tree fell on garage causing damage. Homeowners insurance issued a check for repair in amount of {$8400.00}. This check was written out to homeowner, homeowners girlfriend ( insurance in girlfriend and the homeowners names ) and mortgage servicing company ( Fay Servicing LLC ).

Mortgage servicing company states to endorse check from insurance company and send to mortgage servicing 's Loss Drafts Department.

We were assigned an Account Manager who sent out a packet of forms to be filled out and returned and requests for o the her paperwork. All items to be received by Loss Drafts Department prior to issuance of partial release of funds for repair.

Two Account Managers later, multiple requests for duplicate paperwork and endless unreturned emails to Account Manager, we still have not received any of repair funds so garage repair has not been STARTED.

The damaged occurred on XX/XX/XXXX Its now XX/XX/XXXX. This mortgage servicing company has multiple complaints from other customers pointing to issues with getting funds from them for repairs.

They are holding the money hostage from MY insurance company for repairs on MY property.
Consumer complaint received 2017-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

XXXX XXXX XXXX To whom it may concern : " XXXX XXXX XXXX helped me with fund-raising campaign to gather funds for my medical expenses. Upon completion of the fund-raising round, a check for {$4800.00} was sent to me. 
The custodian for the funds raised was supposed to be XXXX XXXX. Given that I am an ultimate beneficiary of the funds raised, by error, the check was written to my name instead of XXXX XXXX. 
On XXXX XXXX, XXXX, I and XXXX XXXX went into the XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, OH, XXXX ) of JP Morgan Chase bank to deposit the check. This branch happens to be the branch, where my account was opened and I conduct banking. Having presented the situation to the branch associates, we got a go ahead to " double endorse '' the check in question and to have it deposited to XXXX XXXX 's account in JP Morgan Chase. We proceeded and deposited the check right there and then. The check got successfully cleared on XXXX XXXX, XXXX. However, afterwards, the Chase Bank put account under the review, subsequently froze the account and eventually closed it about a week later. 
Upon account closure, XXXX XXXX received a " closure correspondence '' from the Chase Bank, refunding him all the money contained in the account short of the amount of " my check '' deposited on XXXX XXXX, XXXX. 
Ever since, multiple attempts have been made by phone to the " back office '' and in person at the local branch to try to receive the funds or at least to find out the whereabouts of it. Over the past 7 weeks, various demands have been made by the bank as necessary conditions for funds release and all have been satisfied. Each time demands were met, we were about to learn that what was done was not so crucial or critical, and there was yet another demand we were not told about, that we were supposed to fulfill. 
I, XXXX XXXX, different officers from the charity " XXXX '' diligently tried and succeeded meeting and exceeding every request and demand placed upon us. Yet, after 7 weeks of efforts and attempts, the Bank still retains the funds, refusing to release it or to reverse original transaction and declines to provide any formal response as to what happened to the funds, its location, the reason for retaining it and timeline for its release. 
It appears to be a plain larceny on the part of the bank and has been causing tremendous waste of time and resources on behalf of multiple parties as well as delay in vital medical care to which end the funds have been raised. 
I implore the Office of Comptroller of the Currency to look into the matter and bring the speedy resolution of the issue, granting us the access to the much needed funds. 

Thank you! 

Sincerely, XXXX
Consumer complaint received 2020-11-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (FL)

XXXX XXXX apparently was given my closed XXXX account to collect a Balance. At the time we switched to a much less expensive service I personally verified that there remained no open balance on the account. We were later sent boxes to return XXXX XXXX 's equipment which was also done. 

I was notified of a drop in my credit score which was abnormal. My score hovered around perfect and had suddenly dropped by over 100 points despite my having no unpaid balance other than my mortgage and no late payments. I found XXXX  XXXX on the credit report as an account in collection for {$750.00} and in small print a notation re XXXX XXXX. I submitted a dispute through XXXX. They closed the dispute saying XXXX  XXXX had certified it was proper. However if looking at the XXXX report today there is no longer anything shown for XXXX XXXX. I also checked XXXX  and did find XXXX XXXX. I've spent a lifetime making every effort to keep a high credit score and to be negatively impacted for a debt I don't owe just seems criminal.
Consumer complaint received 2019-11-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Neon Newco Corporation (OH)

I bought a prepaid card from paypal at XXXX and put XXXX on the card. they said I could use the card as soon as I got home that it was loaded got home.I tried to use it and it was declined. I called the number to activate card no one answer the phone. I keep calling next day. the number on the card is XXXX it say can not take the call at this time. Two weeks later I get a card in the mail and the same thing again. all I want is my money back. the reason I got the card for is over and I lost what I want to buy.
Consumer complaint received 2022-06-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (CA)

I received a call today from Allied collection agency. The person did not identify himself as he was calling from a collection agency. He asked if he was speaking to XXXX XXXX and I said yes then he asked if I could verify my birthdate and when I told him if this was from a collection agency I wasnt going to give any information because I do not owe the debt. XXXX XXXX  is charging me for a treatment my son did not complete at their office, why should I pay if they banned me and terminated treatment. I told them i am not going to pay for a service we did not receive. He wanted to help me but wanted me to verify an address I no longer live at. When I refused he hung up. This account was sent to collection by XXXX XXXX. I have called XXXX XXXX  at least 5 times to straighten the problem but no one has ever helped. Im the last phone call made was on XX/XX/22 at XXXX : XXXX XXXX, I spoke to XXXX and she said she would sent the account for an audit and would send a final bill. Up until this day I have not received anything from XXXX XXXX The only thing I received was a message from XXXX XXXX that the account was in collections and today the phone call from Allied.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I used my Chase credit card ( Cardmember Services ) on XX/XX/2017 to submit initial deposit of {$2500.00} to XXXX XXXX XXXX, sister company of XXXX XXXX XXXX XXXX. The contract says that the company is only allowed to charge the initial deposit of {$2500.00} to the card ( provided over the phone ). The company charged the entire amount of {$5.00}, XXXX to my account and did not finish the job. Chase asked me to provide documentation indicating that the job was not delivered as promised. I submitted email correspondences to Chase in which the company, XXXX XXXX XXXX abandoned the job and did not complete it. When Chase sent the decision letter, ruling in favor of the merchant, they said that I never submitted a second opinion- which was not requested. I did seek a second opinion and hired XXXX XXXX XXXX to redo the framing that was done by XXXX XXXX XXXX ( it was done incorrectly ) and to frame the rest of the house ( what the first company was paid to do but did not complete ). Additionally, in the first contract with XXXX XXXX XXXX, he was paid {$10000.00} to demolish all of the walls in the house.. this was also not completed. This is the second time that the merchant was paid to complete a job and did not do it. Chase is also claiming that because the contract was not signed there is no proof that XXXX XXXX from XXXX XXXX XXXX was only supposed to charge the initial deposit. If the contract is not signed, then he did not have permission to charge any amount to my account.

Conclusion : contract was not signed, merchant did not have permission to charge {$5000.00} to my Chase Visa card Work done by XXXX XXXX XXXX XXXX was incomplete and faulty. I hired another company to correct and to complete his work.

Chase has an unfortunate reputation of not assisting customers in the matters of fraudulent charges ( see article from XXXX XXXX XXXX )